Exhibit 10.1



                          SUBSEQUENT TRANSFER AGREEMENT

         First Alliance Mortgage Company in its capacities as seller (in such
capacity, the "Seller") and as servicer (in such capacity, the "Servicer") and
First Alliance Mortgage Loan Trust 1998-4, as the "Purchaser", pursuant to the
Pooling and Servicing Agreement dated as of December 1, 1998, (the "Pooling and
Servicing Agreement") among the Seller, the Servicer and Norwest Bank Minnesota,
National Association, a national banking association, in its capacities as
Trustee (in such capacity, the "Trustee") and as master servicer (in such
capacity, the "Master Servicer"), hereby confirm their understanding with
respect to the sale by the Seller and the purchase by the Purchaser of those
Mortgage Loans (the "Subsequent Mortgage Loans") listed on the attached
Schedules of Mortgage Loans.

         Conveyance of Subsequent Mortgage Loans. As of December 29, 1998 (the
"Subsequent Transfer Date"), the Seller does hereby irrevocably transfer,
assign, set over and otherwise convey to the Purchaser, without recourse (except
as otherwise explicitly provided for herein) all of its right, title and
interest in and to any and all benefits accruing from the Subsequent Mortgage
Loans which are delivered to the Trustee herewith (and all substitutions
therefor as provided by Sections 3.3, 3.4 and 3.6 of the Pooling and Servicing
Agreement), together with the related Subsequent Mortgage Loan documents and the
interest in any Property which secured a Subsequent Mortgage Loan but which has
been acquired by foreclosure or deed in lieu of foreclosure, and all payments
thereon and proceeds of the conversion, voluntary or involuntary, of the
foregoing; and proceeds of all the foregoing (including, but not by way of
limitation, all proceeds of any mortgage insurance, hazard insurance and title
insurance policy relating to the Subsequent Mortgage Loans, cash proceeds,
accounts, accounts receivable, notes, drafts, acceptances, chattel paper,
checks, deposit accounts, rights to payment of any and every kind, and other
forms of obligations and receivables which at any time constitute all or part of
or are included in the proceeds of any of the foregoing). The Seller shall
deliver the original Mortgage or mortgage assignment with evidence of recording
thereon (except as otherwise provided by the Pooling and Servicing Agreement)
and other required documentation in accordance with the terms set forth in
Sections 3.5 and 3.8 of the Pooling and Servicing Agreement.

         The costs relating to the delivery of the documents specified in this
Subsequent Transfer Agreement and the Pooling and Servicing Agreement shall be
borne by the Seller.

         The Seller hereby affirms the representations and warranties set forth
in the Pooling and Servicing Agreement that relate to the Seller and the
Subsequent Mortgage Loans as of the date hereof. The Seller hereby delivers
notice and confirms that each of the conditions set forth in Section 3.8(b),
3.8(c) and 3.8(d) to the Pooling and Servicing Agreement are satisfied as of the
date hereof.

         Pursuant to Section 3.8(a) of the Pooling and Servicing Agreement, the
Seller instructs the Trustee to release one-hundred percent of the aggregate
principal balances of the Subsequent Mortgage Loans so transferred from the
Pre-Funding Account, $24,857,538.67 pursuant to this Subsequent Transfer
Agreement and to include $21,322,828.69 of the Subsequent Mortgage Loans listed
in Exhibit A hereto in Group I and $3,534,709.98 of the Subsequent Mortgage
Loans listed in Exhibit B hereto in Group II.

         All terms and conditions of the Pooling and Servicing Agreement are
hereby ratified, confirmed and incorporated herein, provided that in the event
of any conflict the provisions of this Subsequent Transfer Agreement shall
control over the conflicting provisions of the Pooling and Servicing Agreement.







         Terms capitalized herein and not defined herein shall have their
respective meanings as set forth in the Pooling and Servicing Agreement.



                       FIRST ALLIANCE MORTGAGE COMPANY,
                       as Seller and Servicer




                       By:    /s/ Francisco Nebot
                              -------------------------------------
                              Name:    Francisco Nebot
                              Title:   Executive Vice President and
                                       Chief Financial Officer


                       FIRST ALLIANCE MORTGAGE LOAN TRUST 1998-4,
                       by Norwest Bank Minnesota, National Association,
                       as Trustee


                       By:    /s/ Peter J. Masterman
                              -------------------------------------
                              Name:    Peter J. Masterman
                              Title:   Vice President


                       NORWEST BANK MINNESOTA, NATIONAL ASSOCIATION,
                       as Trustee and Master Servicer


                       By:    /s/ Peter J. Masterman
                              -------------------------------------
                              Name:    Peter J. Masterman
                              Title:   Vice President



Dated:  December 29, 1998




                                   EXHIBIT A
                         LOAN SCHEDULE - 1998-4 (FIXED)



  Loan                                                                                             Lien     Cut-Off   
  Number       Property Address                              City                      ST    Zip   Pos      Balance
- ---------------------------------------------------------------------------------------------------------------------
                                                                                         
  106329    8692 BEL AIR CIRCLE                         WESTMINSTER                    CA   92683   1      235,558.00
  106340    640 N. DEXTER STREET                        LA HABRA                       CA   90631   1       71,412.00
  106343    10562 LEXINGTON ST                          STANTON                        CA   90680   1       14,686.00
  205119    6030 AMAYA DRIVE                            LA MESA                        CA   91942   1       74,508.00
  304719    2461 GRANADA  AVENUE                        LONG BEACH                     CA   90815   1       97,980.00
  304731    1441 WEST 58TH STREET                       LOS ANGELES                    CA   90062   1       44,463.00
  304733    11438 ROSECRANS AVENUE                      NORWALK                        CA   90650   2       20,254.00
  304749    2042 East Knopf Street                      Compton area                   CA   90222   1       68,990.00
  304755    1905 EAST STOCKTON AVENUE                   COMPTON                        CA   90221   1       96,724.00
  304757    1142 EAST 107TH STREET                      LOS ANGELES                    CA   90002   1       23,933.00
  304768    1211-1217 EAST WASHINGTON STREET            LONG BEACH                     CA   90805   1       83,119.00
  304769    6901-6905-6907 EMIL AVENUE                  BELL GARDENS                   CA   90201   1       73,983.00
  304773    3030 OREGON AVENUE                          LONG BEACH                     CA   90806   1      107,435.00
  304774    2721 WEST 84TH STREET                       INGLEWOOD                      CA   90305   1      106,574.00
  404605    30 MIRAMAR AVE                              SAN FRANCISCO                  CA   94112   1       75,641.54
  404948    105 FRANCISCO DRIVE                         SOUTH SAN FRANCISCO            CA   94080   1       95,406.50
  405877    702 CAROLINA STREET                         NAPA                           CA   94558   1      103,932.00
  405888    10841 CAMERON AVENUE                        OAKLAND                        CA   94605   1       91,031.00
  405891    1344 VIRGINIA STREET                        BERKELEY                       CA   94702   1      211,108.75
  405939    1358 GILMAN AVENUE                          SAN FRANCISCO                  CA   94124   1       81,375.00
  405947    11201 LOCHARD STREET                        OAKLAND                        CA   94605   1      125,563.00
  405948    101 BANION COURT                            SAN PABLO                      CA   94806   1       32,807.00
  405950    1419 COTTAGE STREET                         ALAMEDA                        CA   94501   1      106,500.00
  405955    3801 3RD AVENUE                             SACRAMENTO                     CA   95817   1       66,290.00
  405957    643 WALLER STREET                           SAN FRANCISCO                  CA   94117   1      154,620.00
  405958    41550 PATTON TERRACE                        FREMONT                        CA   94538   1      149,190.00
  504881    6645 BECK AVENUE                            NORTH HOLLYWOOD                CA   91606   1       76,119.33
  505506    10429 FERNGLEN AVE                          LOS ANGELES                    CA   91042   1       63,443.98
  505802    21140 WINTERSET DR, Saugus Area             LOS ANGELES                    CA   91350   1       66,414.00
  505804    23861 VICTORY BL., West Hills Area          LOS ANGELES                    CA   91307   1      114,617.00
  505806    6546 AQUEDUCT AVE, Van Nuys Area            LOS ANGELES                    CA   91406   1       85,487.00
  505809    9005 CYNTHIA ST. #218                       WEST HOLLYWOOD                 CA   90069   1       83,770.00
  505810    359 LOMA DRIVE                              CAMARILLO                      CA   93010   1      164,271.00
  505812    155 SOUTH WILSON AVE.                       OXNARD                         CA   93030   1       26,283.00
  505813    12957 CORCORAN ST                           SAN FERNANDO                   CA   91340   1       75,117.00
  706263    43 EAST TERRACE STREET                      ALTADENA                       CA   91001   2       20,236.20
  707457    13161 18TH ST                               CHINO                          CA   91710   1       83,930.31
  707504    13626 VALLE VISTA AVENUE                    BALDWIN  PARK                  CA   91706   1       94,454.00
  707523    11452 HADLEY ST,                            WHITTIER                       CA   90606   1      121,550.00
  707524    18023 LA PUENTE ROAD                        LA PUENTE                      CA   91744   1       67,989.00
  707528    1342 NORTH HEATHDALE AVENUE                 COVINA                         CA   91722   1       86,665.00
  707529    2609 S MOORLAND PL,                         WEST  COVINA                   CA   91792   1       78,025.00
  707530    4423 COGSWELL RD,                           EL MONTE                       CA   91732   1       63,116.00
  707533    12442 KAYREID DRIVE                         WHITTIER AREA                  CA   90605   1       74,671.00
  707535    9246 OLYMPIC BL,                            PICO  RIVERA                   CA   90660   1       60,851.00
  707537    14230 E DONALDALE ST,                       LA PUENTE                      CA   91746   1       62,589.00
  707538    18753 AGUIRO ST                             ROWLAND HEIGHTS AREA           CA   91748   2       36,203.00
  707540    9565 DATE STREET                            FONTANA                        CA   92335   1       83,627.00
  806675    805 AMESTI RD                               WATSONVILLE                    CA   95076   1       94,013.52
  806774    1085 S. 8TH ST                              SAN JOSE                       CA   95112   1      108,389.87
  806786    1596 KOCH LN                                SAN JOSE                       CA   95125   1      191,382.00
  806788    767 N REDWOOD AVE.                          SAN JOSE                       CA   95128   1      111,823.00
  806791    54 BIRCH LN                                 SAN JOSE                       CA   95127   1       95,805.52
  806816    939 HELLYER AVENUE                          SAN JOSE                       CA   95111   1      160,670.00
  806822    10330 MURTHA DR                             SAN JOSE                       CA   95127   2       43,375.00
  806841    15 GERTRUDE COURT                           E PALO ALTO                    CA   94303   1       80,347.00
  806846    1639 LONGVIEW ST                            SAN JOSE                       CA   95122   1       92,881.00
  806849    2544 HAZELWOOD WAY                          E PALO ALTO                    CA   94303   1       98,706.00
  806850    170 DUNBARTON RD                            AROMAS                         CA   95004   1      155,916.00
  806854    269 RIDGE VISTA AVE                         SAN JOSE                       CA   95127   1      151,450.00
 1301759    265 ZELKOVA DR.                             FAYETTEVILLE                   GA   30215   1      131,600.00
 1301762    2759 SKYLAND DR N.E.                        ATLANTA                        GA   30319   1       49,395.00
 1602831    4201 220TH ST E                             SPANAWAY                       WA   98387   1       59,299.78
 1603032    7533 14TH AVE NW                            SEATTLE                        WA   98117   1       44,837.00
 1603042    8238 CORLISS AVE N                          SEATTLE                        WA   98103   1       69,178.00
 1603045    6023 215TH AVE N E                          REDMOND                        WA   98053   1       88,959.00
 1703054    3276 MAGNOLIA STREET                        DENVER                         CO   80207   1       51,708.54
 1703232    3120 S. HUMBOLDT ST                         ENGLEWOOD                      CO   80110   1      112,790.00
 1703236    2303 FAIRFAX ST                             DENVER                         CO   80207   1       34,187.00
 1703239    2631 S FIELD CT                             LAKEWOOD                       CO   80227   1       74,019.00
 1703240    10677 NORTHGLENN DRIVE                      NORTHGLENN                     CO   80233   1       68,760.00
 1803886    832 NORTH CENTRAL PARK AVE.                 CHICAGO                        IL   60651   1       52,011.00
 1803932    9849 S. WINSTON                             CHICAGO                        IL   60643   1       75,990.00
 1803933    4936 W. KINZIE STREET                       CHICAGO                        IL   60651   1       33,176.00
 1803941    2723 W. HADDON AVENUE                       CHICAGO                        IL   60622   1      111,990.00
 1803960    424 S. RIVER ST.                            MONTGOMERY                     IL   60538   1       72,790.00
 1803963    645 S. HUMPHREY AVENUE                      OAK PARK                       IL   60304   1      102,561.00
 1803978    349 MINERVA AVENUE                          GLENWOOD                       IL   60425   1       88,970.00
 1803985    8645 S. UNIVERSITY AVENUE                   CHICAGO                        IL   60619   1       35,340.00
 1803986    4325 W MAYPOLE AVE                          CHICAGO                        IL   60624   1       45,301.00
 1803987    14919 S. 88TH AVENUE                        ORLAND PARK                    IL   60462   1      148,747.00
 1803988    449 S CLARENDON AVE                         ADDISON                        IL   60101   1       60,750.00
 1803993    7743 S. EAST END AVENUE                     CHICAGO                        IL   60649   1       76,189.00
 1803994    21849 GAILINE AVENUE                        SAUK VILLAGE                   IL   60411   1       44,280.00










  Loan                                                    Current     Current        Mat     Pmt   Prop   Occup   Appraised  Orig
  Number       Property Address                             Rate        Pmt          Date    Type  Type   Type      Value    Type
- ---------------------------------------------------------------------------------------------------------------------------------
                                                                                                  
  106329    8692 BEL AIR CIRCLE                             9.500     1,980.70      1/1/29    A     S      P        286,000   F 
  106340    640 N. DEXTER STREET                            8.490       548.59      2/1/29    A     S      P        174,000   F 
  106343    10562 LEXINGTON ST                             10.250       160.07      2/1/14    A     S      I         90,000   F 
  205119    6030 AMAYA DRIVE                               10.740       694.96      2/1/29    A     S      P        169,000   F 
  304719    2461 GRANADA  AVENUE                            9.240       805.35      1/1/29    A     S      I        140,000   F 
  304731    1441 WEST 58TH STREET                           8.750       349.79      1/1/29    A     S      P        118,000   F 
  304733    11438 ROSECRANS AVENUE                          8.750       159.34      2/1/29    A     S      P        150,000   F 
  304749    2042 East Knopf Street                         10.000       605.44      2/1/29    A     S      P        112,000   F 
  304755    1905 EAST STOCKTON AVENUE                       9.500       813.31      2/1/29    A     S      P        124,000   F 
  304757    1142 EAST 107TH STREET                          8.750       188.28      2/1/29    A     S      P        106,000   F 
  304768    1211-1217 EAST WASHINGTON STREET                9.990       728.81      2/1/29    A     F      I        160,000   F 
  304769    6901-6905-6907 EMIL AVENUE                      8.490       568.34      2/1/29    A     F      P        185,000   F 
  304773    3030 OREGON AVENUE                              9.740       922.24      3/1/29    A     S      P        153,500   F 
  304774    2721 WEST 84TH STREET                           9.240       875.99      3/1/29    A     S      P        164,000   F 
  404605    30 MIRAMAR AVE                                  9.054       627.43      8/1/25    A     S      P        214,000   F 
  404948    105 FRANCISCO DRIVE                             8.770       766.59      6/1/26    A     S      P        165,000   F 
  405877    702 CAROLINA STREET                             8.900       829.26     11/1/28    A     S      P        169,000   F 
  405888    10841 CAMERON AVENUE                            8.490       699.30     12/1/28    A     S      P        265,000   F 
  405891    1344 VIRGINIA STREET                            8.990     1,698.99     11/1/28    A     S      P        282,000   F 
  405939    1358 GILMAN AVENUE                             12.990       899.53      2/1/29    A     S      P        136,000   F 
  405947    11201 LOCHARD STREET                           10.490     1,147.64      2/1/29    A     S      P        257,000   F 
  405948    101 BANION COURT                                8.490       406.58      2/1/09    A     S      P        194,000   F 
  405950    1419 COTTAGE STREET                             9.240       875.38      2/1/29    A     S      P        200,000   F 
  405955    3801 3RD AVENUE                                 8.750       521.50      3/1/29    A     S      P        102,000   F 
  405957    643 WALLER STREET                               8.490     1,187.80      2/1/29    A     S      P        450,000   F 
  405958    41550 PATTON TERRACE                            8.990     1,199.34      2/1/29    A     C      P        226,000   F 
  504881    6645 BECK AVENUE                                9.450       657.70      9/1/24    A     S      I        130,000   F 
  505506    10429 FERNGLEN AVE                              8.750       504.80      8/1/27    A     S      P        150,000   F 
  505802    21140 WINTERSET DR, Saugus Area                 9.490       557.96      1/1/29    A     S      P        190,000   F 
  505804    23861 VICTORY BL., West Hills Area              9.490       962.93      1/1/29    A     S      P        165,000   F 
  505806    6546 AQUEDUCT AVE, Van Nuys Area                8.490       841.32      2/1/14    A     S      P        160,000   F 
  505809    9005 CYNTHIA ST. #218                           8.490       643.53      2/1/29    A     C      P        158,000   F 
  505810    359 LOMA DRIVE                                  9.740     1,410.14      2/1/29    A     S      P        250,000   F 
  505812    155 SOUTH WILSON AVE.                           8.750       262.69      2/1/14    A     S      P        110,000   F 
  505813    12957 CORCORAN ST                               8.990       603.87      2/1/29    A     S      P        111,000   F 
  706263    43 EAST TERRACE STREET                         10.550       254.68      5/1/10    A     S      P        170,000   F 
  707457    13161 18TH ST                                   9.350       696.94     11/1/28    A     S      P        105,000   F 
  707504    13626 VALLE VISTA AVENUE                        9.490       793.53      2/1/29    A     S      P        135,000   F 
  707523    11452 HADLEY ST,                                9.240       999.08      2/1/29    A     S      P        190,000   F 
  707524    18023 LA PUENTE ROAD                            9.990       596.15      2/1/29    A     S      P        130,000   F 
  707528    1342 NORTH HEATHDALE AVENUE                     9.990       759.91      2/1/29    A     S      I        145,000   F 
  707529    2609 S MOORLAND PL,                             8.490       767.89      2/1/14    A     S      P        153,000   F 
  707530    4423 COGSWELL RD,                               8.750       496.53      2/1/29    A     S      P        125,000   F 
  707533    12442 KAYREID DRIVE                             9.240       613.76      2/1/29    A     S      P        139,000   F 
  707535    9246 OLYMPIC BL,                                8.490       467.46      2/1/29    A     S      P        120,000   F 
  707537    14230 E DONALDALE ST,                           9.990       548.80      2/1/29    A     S      P        140,000   F 
  707538    18753 AGUIRO ST                                11.990       434.26      2/1/14    A     S      P        165,000   F 
  707540    9565 DATE STREET                               11.750       844.14      2/1/29    A     S      P        105,000   F 
  806675    805 AMESTI RD                                   8.900       751.83      7/1/28    A     S      P        157,000   F 
  806774    1085 S. 8TH ST                                  8.490       833.76     11/1/28    A     S      P        167,000   F 
  806786    1596 KOCH LN                                    8.490     1,470.21     12/1/28    A     S      P        426,000   F 
  806788    767 N REDWOOD AVE.                              8.490       859.03     12/1/28    A     S      P        335,000   F 
  806791    54 BIRCH LN                                     7.990       702.79     12/1/28    A     S      P        244,000   F 
  806816    939 HELLYER AVENUE                              8.990     1,291.63      1/1/29    A     S      P        227,000   F 
  806822    10330 MURTHA DR                                13.950       576.19      1/1/14    A     S      P        230,000   F 
  806841    15 GERTRUDE COURT                               8.490       790.74      2/1/14    A     S      P        227,000   F 
  806846    1639 LONGVIEW ST                                9.240       763.44      2/1/29    A     S      P        196,000   F 
  806849    2544 HAZELWOOD WAY                              8.750       776.52      2/1/29    A     S      P        186,000   F 
  806850    170 DUNBARTON RD                                8.490     1,197.75      2/1/29    A     S      P        390,000   F 
  806854    269 RIDGE VISTA AVE                             9.240     1,244.84      3/1/29    A     S      P        225,000   F 
 1301759    265 ZELKOVA DR.                                 9.500     1,106.56      2/1/29    A     S      P        175,500   F 
 1301762    2759 SKYLAND DR N.E.                            8.750       493.68      2/1/14    A     S      P         95,000   F 
 1602831    4201 220TH ST E                                 9.490       499.71      6/1/28    A     S      P         85,000   F 
 1603032    7533 14TH AVE NW                                8.750       352.73      1/1/29    A     S      P        235,000   F 
 1603042    8238 CORLISS AVE N                              8.750       544.22      2/1/29    A     S      P        169,000   F 
 1603045    6023 215TH AVE N E                              8.750       699.84      2/1/29    A     S      P        165,000   F 
 1703054    3276 MAGNOLIA STREET                            7.490       488.04      6/1/13    A     S      I         77,000   F 
 1703232    3120 S. HUMBOLDT ST                             9.990       988.98      2/1/29    A     S      P        141,000   F 
 1703236    2303 FAIRFAX ST                                 9.990       299.76      2/1/29    A     S      P        110,000   F 
 1703239    2631 S FIELD CT                                 8.490       568.62      2/1/29    A     S      P        153,000   F 
 1703240    10677 NORTHGLENN DRIVE                          8.490       676.70      2/1/14    A     S      P        106,000   F 
 1803886    832 NORTH CENTRAL PARK AVE.                     8.490       399.55     12/1/28    A     F      P        118,000   F 
 1803932    9849 S. WINSTON                                 9.970       665.18      1/1/29    A     S      P         95,000   F 
 1803933    4936 W. KINZIE STREET                           9.250       341.44      1/1/14    A     S      I         52,000   F 
 1803941    2723 W. HADDON AVENUE                           9.940       977.83      1/1/29    A     F      P        140,000   F 
 1803960    424 S. RIVER ST.                               11.120       699.80      1/1/29    A     S      I        104,000   F 
 1803963    645 S. HUMPHREY AVENUE                         11.280       998.47      1/1/29    A     S      P        139,000   F 
 1803978    349 MINERVA AVENUE                              8.990     1,126.55      2/1/09    A     S      P        125,000   F 
 1803985    8645 S. UNIVERSITY AVENUE                       8.490       271.48      2/1/29    A     S      P         95,000   F 
 1803986    4325 W MAYPOLE AVE                              8.490       561.43      2/1/09    A     F      P         76,000   F 
 1803987    14919 S. 88TH AVENUE                            8.990     1,195.78      2/1/29    A     S      P        210,000   F 
 1803988    449 S CLARENDON AVE                             8.490       597.87      2/1/14    A     S      P        117,000   F 
 1803993    7743 S. EAST END AVENUE                         8.750       599.38      2/1/29    A     F      P        152,000   F 
 1803994    21849 GAILINE AVENUE                            8.750       348.35      2/1/29    A     S      P         85,000   F 
  


                                     Page 1


                                   EXHIBIT A
                         LOAN SCHEDULE - 1998-4 (FIXED)



  Loan                                                                                Lien      Cut-Off 
  Number       Property Address               City                        ST    Zip   Pos       Balance 
- --------------------------------------------------------------------------------------------------------
                                                                           
 1803996      6723 S. EUCLID AVENUE        CHICAGO                        IL   60649   1      199,950.00 
 1803997      11406 S. VINCENNES AVENUE    CHICAGO                        IL   60643   1       65,790.00 
 1804002      11542 S. LAFLIN ST.          CHICAGO                        IL   60643   1       55,290.00 
 1804004      2315 S. RIDGEWAY AVENUE      CHICAGO                        IL   60623   1       73,440.00 
 2102105      9810 SW 34TH PL #8           PORTLAND                       OR   97219   1       78,141.94 
 2102127      5315 NE 23RD AVE             PORTLAND                       OR   97211   1       67,872.89 
 2102176      5330 NE 23RD AVE             PORTLAND                       OR   97211   1       61,172.00 
 2102178      11941 S.E. MARKET ST.        PORTLAND                       OR   97216   1       47,638.00 
 2102180      9031 N GILBERT AVE           PORTLAND                       OR   97203   1       75,994.00 
 2102183      19830 NE DAVIS ST            PORTLAND                       OR   97230   1       45,481.00 
 2102185      9816 N IVANHOE ST            PORTLAND                       OR   97203   1       65,419.00 
 2102188      411 SE 83RD AVE              PORTLAND                       OR   97216   1       82,411.00 
 2102192      3947 NE 13TH AVE             PORTLAND                       OR   97212   1       63,216.00 
 2202023      5110 HILLTOP DRIVE           WONDERLAKE                     IL   60097   1       89,092.00 
 2202044      2915 ELDER LANE              FRANKLIN PARK                  IL   60131   1       89,040.00 
 2202049      848 MASON LANE               DES PLAINES                    IL   60016   1       76,990.00 
 2202051      23356 W. CHERRY LANE         LAKE ZURICH                    IL   60047   1       63,037.00 
 2202053      1538 AMARILLO DRIVE          CARPENTERSVILLE                IL   60110   1       76,790.00 
 2202054      5329 W. CUYLER AVE           CHICAGO                        IL   60641   1       37,651.00 
 2202056      4233 N. ALBANY AVE.          CHICAGO                        IL   60618   1       83,990.00 
 2202062      2246 W. WINNEMAC AVE.        CHICAGO                        IL   60625   1       41,959.00 
 2401695      4740 WINDMILL POINT LN       LOXAHATCHEE                    FL   33470   1       82,490.00 
 2401714      22479 SEA BASS DRIVE         BOCA RATON                     FL   33428   1       99,390.00 
 2401727      14960 SW 112TH TERR          MIAMI                          FL   33196   1       82,540.00 
 2401749      7450 S.W. 124 STREET         MIAMI                          FL   33156   1      175,690.00 
 2500356      9468 LINDBERG DRIVE          NORTH ROYALTON                 OH   44133   1       79,572.27 
 2500468      3575 ANTHONY LANE            TWINSBURG                      OH   44087   1      127,778.00 
 2500479      794 MERRIMAK DRIVE           BEREA                          OH   44017   1       41,791.00 
 2500482      2895 POLLY ROAD              RAVENNA                        OH   44266   1       46,570.00 
 2500487      12670 BUCKEYE DRIVE          CHESTERLAND                    OH   44026   1      103,329.00 
 2600649      4041 W GRANADA RD            PHOENIX                        AZ   85009   1       36,558.00 
 2600653      631 N 192ND AVE              BUCKEYE                        AZ   85326   1       20,020.00 
 2600663      18351 N 88TH DR              PEORIA                         AZ   85382   2       34,747.00 
 2600664      332 E ALVARADO RD            PHOENIX                        AZ   85004   1       22,349.00 
 2600666      1243 E VICTOR HUGO AVE       PHOENIX                        AZ   85022   2       26,802.00 
 2700686      770 24TH ST.                 OGDEN                          UT   84401   1       55,160.00 
 2700694      5172 SOUTH CAPEHART ST.      SALT LAKE CITY                 UT   84118   1       35,244.00 
 2700708      3078 S. MOCKORANGE DR.       SALT LAKE CITY                 UT   84119   1       80,990.00 
 2700720      812 NORTH ONYX STREET        LAYTON                         UT   84041   1       72,268.00 
 2900830      228 BIDDLE DRIVE             EXTON                          PA   19341   1      135,504.33 
 2900956      7815 DEER RUN ROAD           LAVEROCK                       PA   19038   1      115,690.00 
 2900970      330 STAGHORN WAY             WEST CHESTER                   PA   19380   1      146,051.00 
 2900974      220 CATHILL RD.              SELLERSVILLE                   PA   18960   1       91,756.00 
 2900975      4383 GARFIELD  LANE          TREVOSE                        PA   19053   1       83,990.00 
 2900982      421 MERION PLACE             MERION                         PA   19066   1       82,934.00 
 2900984      664 BUSH ST.                 BRIDGEPORT                     PA   19405   1       56,401.00 
 2900986      733 S. PARK AVE              AUDUBON                        PA   19403   1       86,877.00 
 2900988      1503 BERKLEY WAY             LANSDALE                       PA   19446   1       91,138.00 
 3100070      105 FORD ROAD                LANDING                        NJ   07850   1      113,666.81 
 3100796      89 JOHNSON AVENUE            HACKENSACK                     NJ   07601   1       91,074.96 
 3101009      110 LEXINGTON AVE            BLOOMFIELD                     NJ   07003   1       41,944.03 
 3101070      221 PROSPECT AVE             NORTH ARLINGTON                NJ   07031   1      142,217.00 
 3101071      15 PRINCETON STREET          CLIFTON                        NJ   07014   1       84,882.00 
 3101079      65 RICHARDS AVE              DOVER                          NJ   07801   1       98,216.00 
 3101094      210 ELM AVENUE               HACKENSACK                     NJ   07601   1       64,093.00 
 3101100      34 LEONARD STREET            JERSEY CITY                    NJ   07307   1       39,061.00 
 3101101      32 MCNABB RD                 LAKE HOPATCONG                 NJ   07849   1       80,264.00 
 3101104      15 OLIVER PL                 RINGWOOD                       NJ   07456   1       83,122.00 
 3101105      73 BESSIDA ST                BLOOMFIELD                     NJ   07003   1       54,881.00 
 3101108      69 LEGION PL                 CLOSTER                        NJ   07624   1       59,059.00 
 3101109      184 OAKWOOD AVE              CLIFFSIDE PARK                 NJ   07010   1      112,407.00 
 3101110      6 IRON FORGE LANE            RANDOLPH                       NJ   07869   1      198,863.00 
 3101114      120 ANDERSON PKWY            CEDAR GROVE                    NJ   07009   1       94,854.00 
 3101115      440 ELMWOOD AVE              MAPLEWOOD                      NJ   07040   1      125,687.00 
 3101117      403 LENOX AVE                SOUTH ORANGE                   NJ   07079   1       41,053.00 
 3200383      2729 UNION BLVD              ISLIP                          NY   11751   1       72,915.42 
 3200746      188 RIDGE ROAD               WHEATLEY HEIGHTS               NY   11798   1      119,339.78 
 3200751      3 BREWSTER AVE               FORT SALONGA                   NY   11768   1      141,229.73 
 3201231      1159 HICKS PL                BALDWIN                        NY   11510   1      129,000.00 
 3201232      587 ISLAND AVE               WOODMERE                       NY   11598   1      168,531.00 
 3201237      541 QUEEN STREET             WESTBURY                       NY   11590   1      125,828.00 
 3201241      937 WOODFIELD ROAD           W HEMPSTEAD                    NY   11552   1      108,700.00 
 3201245      135 SOUTH DR                 NEW HYDE PARK                  NY   11040   1      215,288.00 
 3201247      3611 MANHASSET ST            SEAFORD                        NY   11783   1       48,073.00 
 3201249      26 TERRY ST                  HICKSVILLE                     NY   11801   1       69,092.00 
 3201253      29 10TH STREET               CARLE PLACE                    NY   11514   1      158,315.00 
 3201257      41 HALE PLACE                ROOSEVELT                      NY   11575   1      118,990.00 
 3201263      224 MORRIS AVE               MALVERNE                       NY   11565   1      119,890.00 
 3300002      1086 BARBEY STREET           BROOKLYN                       NY   11207   1       91,175.81 
 3300381      104-49 209TH STREET          QUEENS VILLAGE                 NY   11429   1      102,892.52 
 3300637      13 DOUGLASS STREET           BROOKLYN                       NY   11231   1       94,269.49 
 3300803      113-36 208TH STREET          QUEENS VILLAGE                 NY   11429   1      125,058.53 
 3300868      104-39 199TH STREET          HOLLIS                         NY   11412   1       74,434.00 
 3300872      861 EASTERN PARKWAY          BROOKLYN                       NY   11213   1      124,606.00 
 3300873      219-10 121ST AVENUE          CAMBRIA HEIGHTS                NY   11411   1       60,924.00 

        


                                                                         
                                                                       
                                                                                
  Loan                                        Current     Current        Mat    Pmt   Prop   Occup   Appraised  Orig 
  Number        Property Address               Rate         Pmt          Date   Type  Type   Type      Value    Type 
- -------------------------------------------------------------------------------------------------------------------- 
                                                                                        
 1803996       6723 S. EUCLID AVENUE          9.500       2,087.93      2/1/14    A     S      P        267,000   F 
 1803997       11406 S. VINCENNES AVENUE      8.990         528.89      2/1/29    A     S      P         87,000   F 
 1804002       11542 S. LAFLIN ST.            8.990         560.46      3/1/14    A     S      P         79,000   F 
 1804004       2315 S. RIDGEWAY AVENUE        8.750         577.75      3/1/29    A     F      P        113,000   F 
 2102105       9810 SW 34TH PL #8             9.990         685.60     11/1/28    A     C      P         92,000   F 
 2102127       5315 NE 23RD AVE               9.990         595.40     11/1/28    A     S      P         85,000   F 
 2102176       5330 NE 23RD AVE               9.740         525.11     12/1/28    A     S      I         90,000   F 
 2102178       11941 S.E. MARKET ST.         10.740         444.33      2/1/29    A     S      P        124,000   F 
 2102180       9031 N GILBERT AVE             8.490         583.79      1/1/29    A     S      P        117,000   F 
 2102183       19830 NE DAVIS ST              8.490         349.39      2/1/29    A     S      P        125,000   F 
 2102185       9816 N IVANHOE ST              8.490         643.82      2/1/14    A     S      P        115,000   F 
 2102188       411 SE 83RD AVE                8.490         633.09      2/1/29    A     S      P        130,000   F 
 2102192       3947 NE 13TH AVE               8.490         485.63      2/1/29    A     S      P        111,000   F 
 2202023       5110 HILLTOP DRIVE             8.925         899.66     12/1/13    A     S      P        115,000   F 
 2202044       2915 ELDER LANE                8.490         684.01      2/1/29    A     S      P        137,000   F 
 2202049       848 MASON LANE                10.740         718.11      2/1/29    A     S      P        140,000   F 
 2202051       23356 W. CHERRY LANE           8.750         790.02      2/1/09    A     S      P        165,000   F 
 2202053       1538 AMARILLO DRIVE            9.990         824.72      1/1/14    A     S      P         96,000   F 
 2202054       5329 W. CUYLER AVE            10.740         351.18      2/1/29    A     S      P        164,000   F 
 2202056       4233 N. ALBANY AVE.            8.990         675.20      2/1/29    A     F      P        129,500   F 
 2202062       2246 W. WINNEMAC AVE.          8.750         330.09      2/1/29    A     F      P        155,000   F 
 2401695       4740 WINDMILL POINT LN        10.950         934.99     12/1/13    A     S      P        127,000   F 
 2401714       22479 SEA BASS DRIVE           9.000         799.71     12/1/28    A     S      P        142,000   F 
 2401727       14960 SW 112TH TERR            8.490         634.08      1/1/29    A     S      P        127,000   F 
 2401749       7450 S.W. 124 STREET           9.990       1,540.51      2/1/29    A     S      P        251,000   F 
 2500356       9468 LINDBERG DRIVE            9.490         670.53      6/1/28    A     S      P        125,000   F 
 2500468       3575 ANTHONY LANE              8.490         981.60      1/1/29    A     S      P        197,000   F 
 2500479       794 MERRIMAK DRIVE             8.750         328.77      2/1/29    A     S      P        126,000   F 
 2500482       2895 POLLY ROAD                8.750         465.44      2/1/14    A     S      P         81,000   F 
 2500487       12670 BUCKEYE DRIVE            8.490         793.78      2/1/29    A     S      P        165,000   F 
 2600649       4041 W GRANADA RD              7.990         267.99      1/1/29    A     S      P         50,000   F 
 2600653       631 N 192ND AVE               10.150         177.91      1/1/29    A     S      P         74,000   F 
 2600663       18351 N 88TH DR               14.250         468.59      2/1/14    A     S      P         99,000   F 
 2600664       332 E ALVARADO RD              8.490         219.95      2/1/14    A     S      P         96,000   F 
 2600666       1243 E VICTOR HUGO AVE        12.250         325.99      2/1/14    A     S      P        273,000   F 
 2700686       770 24TH ST.                  10.990         524.88      1/1/29    A     S      P         80,000   F 
 2700694       5172 SOUTH CAPEHART ST.        8.490         346.86      2/1/14    A     S      P        104,000   F 
 2700708       3078 S. MOCKORANGE DR.         9.500         845.72      2/1/14    A     S      P        108,000   F 
 2700720       812 NORTH ONYX STREET          8.750         568.53      3/1/29    A     S      P        112,000   F 
 2900830       228 BIDDLE DRIVE               8.750       1,069.77      6/1/28    A     S      P        173,000   F 
 2900956       7815 DEER RUN ROAD             9.000         930.87      1/1/29    A     S      P        178,000   F 
 2900970       330 STAGHORN WAY               8.750       1,290.67      1/1/19    A     S      P        211,000   F 
 2900974       220 CATHILL RD.                8.500         796.28      1/1/19    A     S      P        125,000   F 
 2900975       4383 GARFIELD  LANE            9.650         715.44      1/1/29    A     S      P        105,000   F 
 2900982       421 MERION PLACE               9.450         694.33      1/1/29    A     S      P        193,000   F 
 2900984       664 BUSH ST.                   8.740         498.06      1/1/19    A     S      P         88,000   F 
 2900986       733 S. PARK AVE                8.750         683.46      2/1/29    A     S      P        155,000   F 
 2900988       1503 BERKLEY WAY               8.750         716.98      1/1/29    A     S      P        154,000   F 
 3100070       105 FORD ROAD                  9.375         958.73     11/1/26    A     S      P        155,000   F 
 3100796       89 JOHNSON AVENUE              9.125         744.67      5/1/28    A     S      P        152,000   F 
 3101009       110 LEXINGTON AVE              9.900         365.16     11/1/28    A     S      P        139,000   F 
 3101070       221 PROSPECT AVE              10.990       1,353.29      1/1/29    A     S      P        190,000   F 
 3101071       15 PRINCETON STREET           10.550         779.62      1/1/29    A     S      P        115,000   F 
 3101079       65 RICHARDS AVE                8.990         789.56      1/1/29    A     S      P        143,000   F 
 3101094       210 ELM AVENUE                 9.240         526.81      1/1/29    A     S      P        160,000   F 
 3101100       34 LEONARD STREET              9.990         342.50      1/1/29    A     F      P        120,000   F 
 3101101       32 MCNABB RD                  10.450         731.21      1/1/29    A     S      P        120,000   F 
 3101104       15 OLIVER PL                   9.240         683.22      2/1/29    A     S      P        145,000   F 
 3101105       73 BESSIDA ST                  9.240         451.09      2/1/29    A     S      P        149,000   F 
 3101108       69 LEGION PL                   8.490         453.69      2/1/29    A     S      P        195,000   F 
 3101109       184 OAKWOOD AVE                8.490         863.52      2/1/29    A     S      P        236,000   F 
 3101110       6 IRON FORGE LANE              8.990       1,598.67      2/1/29    A     S      P        280,000   F 
 3101114       120 ANDERSON PKWY              8.490         728.67      2/1/29    A     S      P        208,000   F 
 3101115       440 ELMWOOD AVE                8.490         965.53      2/1/29    A     S      P        202,000   F 
 3101117       403 LENOX AVE                  9.500         345.20      2/1/29    A     S      P        290,000   F 
 3200383       2729 UNION BLVD                7.950         738.95      5/1/12    A     S      P        148,000   F 
 3200746       188 RIDGE ROAD                 9.250         988.19     12/1/27    A     S      P        166,000   F 
 3200751       3 BREWSTER AVE                 9.250       1,169.64     12/1/27    A     S      P        272,000   F 
 3201231       1159 HICKS PL                 10.900       1,218.76      1/1/29    A     S      P        172,000   F 
 3201232       587 ISLAND AVE                10.890       1,590.97      1/1/29    A     S      P        347,000   F 
 3201237       541 QUEEN STREET               8.750       1,257.59      2/1/14    A     S      P        206,000   F 
 3201241       937 WOODFIELD ROAD             9.250       1,118.73      2/1/14    A     S      P        155,000   F 
 3201245       135 SOUTH DR                   8.750       2,151.69      2/1/14    A     S      P        433,000   F 
 3201247       3611 MANHASSET ST              9.240         395.14      3/1/29    A     S      P        115,000   F 
 3201249       26 TERRY ST                    8.490         530.77      2/1/29    A     S      P        161,000   F 
 3201253       29 10TH STREET                 9.500       1,331.20      2/1/29    A     S      P        215,000   F 
 3201257       41 HALE PLACE                 10.490       1,087.56      3/1/29    A     S      P        140,000   F 
 3201263       224 MORRIS AVE                 8.490         921.00      3/1/29    A     S      P        190,000   F 
 3300002       1086 BARBEY STREET             9.750         792.65      1/1/27    A     S      P        191,000   F 
 3300381       104-49 209TH STREET            9.250         851.52      1/1/28    A     F      P        161,000   F 
 3300637       13 DOUGLASS STREET             9.240         777.32      6/1/28    A     S      P        215,000   F 
 3300803       113-36 208TH STREET            9.990       1,097.04     11/1/28    A     F      P        172,000   F 
 3300868       104-39 199TH STREET            9.990         652.66      1/1/29    A     S      P        165,000   F 
 3300872       861 EASTERN PARKWAY            8.500         958.11      1/1/29    A     F      P        190,000   F 
 3300873       219-10 121ST AVENUE            9.740         522.98      2/1/29    A     S      P        175,000   F 
     

                                     Page 2



                                   EXHIBIT A
                         LOAN SCHEDULE - 1998-4 (FIXED)



  Loan                                                                                 Lien       Cut-Off
  Number       Property Address                  City                      ST    Zip   Pos        Balance
- -----------------------------------------------------------------------------------------------------------
                                                                              

 3300877      23-55 98TH STREET               EAST ELMHURST                  NY   11369   1       95,102.00
 3300878      8813 AVENUE B                   BROOKLYN                       NY   11236   1      132,990.00
 3300879      157-23 90TH STREET              HOWARD BEACH                   NY   11414   1       51,519.00
 3300881      70 JACKSON STREET               BROOKLYN                       NY   11211   1       39,971.00
 3300883      107-04 PINEGROVE STREET         JAMAICA                        NY   11435   1      115,982.00
 3300886      48 FULLER PLACE                 BROOKLYN                       NY   11215   1      189,256.00
 3300887      34-68 111TH STREET              CORONA                         NY   11368   1       92,329.00
 3300893      106 CANTON COURT                BROOKLYN                       NY   11229   1      126,924.00
 3300896      130-39 INWOOD STREET            JAMAICA                        NY   11436   1       81,040.00
 3300905      134-07 135TH STREET             SO OZONE PARK                  NY   11420   1      107,974.00
 3400520      22 LUM AVE                      CHATHAM                        NJ   07928   1       95,663.71
 3400792      1 GROWNEY STREET                EDISON                         NJ   08817   1      138,886.01
 3400827      140-42 DE HART PL               ELIZABETH                      NJ   07202   1       94,487.00
 3400835      2292 MOUNTAIN AVE               SCOTCH PLAINS                  NJ   07076   1       82,485.00
 3400836      681-683 MAPLE AVE               ELIZABETH                      NJ   07202   1       87,087.00
 3400839      55 EVERGREEN TERRACE            SPOTSWOOD (MONROE TWP)         NJ   08884   1      153,730.00
 3400840      6 NEVIUS ST                     RARITAN                        NJ   08869   1       92,985.00
 3400858      1757 LINVALE HARBOUTON ROAD     LAMBERTVILLE                   NJ   08530   1      123,750.00
 3400861      977-79 CARNEGIE AVE             PLAINFIELD                     NJ   07060   1       99,988.00
 3400866      145 SOMERSET AVE                SOUTH PLAINFIELD               NJ   07080   1      108,786.00
 3500554      27 THETFORD AVE.                DORCHESTER                     MA   02124   1       52,033.00
 3500555      47 STANLEY ST.                  DORCHESTER                     MA   02125   1       67,130.00
 3600370      614 HIGHLAND AVE NW             WASHINGTON                     DC   20012   1      102,599.00
 3600371      4407 UNAKA CT                   CLINTON                        MD   20735   1       43,634.00
 3600372      1011 NOVA AVE                   CAPITOL HEIGHTS                MD   20743   1       27,528.00
 3600376      701 GRANDIN AVE                 ROCKVILLE                      MD   20850   1       27,464.00
 3700190      309 MARCHMONT DR.               FAIRBORN                       OH   45234   1       31,989.00
 3700193      9184 MILLCLIFF DRIVE            CINCINNATI                     OH   45231   1       49,974.00
 3700198      692 CEDARHILL DR.               CINCINNATI                     OH   45246   1       98,590.00
 3700203      8885 CINCINNATI DAYTON RD.      WEST CHESTER                   OH   45069   1       47,791.00
 3800341      6523 OLD DOMINION DR            MCLEAN                         VA   22101   1      225,484.00
 3800347      314 W. DERBY AVE                STERLING                       VA   20164   1      123,670.76
 3800358      313 R ST NW                     WASHINGTON                     DC   20001   1       25,996.00
 3800365      2608 MONROE ST NE               WASHINGTON                     DC   20018   1       74,490.00
 3800369      5352 CHILLUM PL NE              WASHINGTON                     DC   20011   1       84,524.00
 3800372      1505 VAN BUREN ST NW            WASHINGTON                     DC   20012   1       82,503.00
 3800374      4261 MARNE PL NE                WASHINGTON                     DC   20019   1       23,055.00
 3900381      3209 SAINT LUKES LN             BALTIMORE                      MD   75630   1       49,256.00
 3900382      7 HOPKINS ST                    GLEN BURNIE                    MD   21061   1       21,000.00
 3900384      886 WILLYS DR                   ARNOLD                         MD   21012   1       98,690.00
 3900388      2051 CITRUS AVE                 JESSUP                         MD   20794   1       69,290.00
 4300012      10 PINE CREST ROAD              VALLEY COTTAGE                 NY   10989   1       59,340.00
 4400302      1260 SELBY AVE                  ST PAUL                        MN   55104   1       22,899.00
 4600189      32 GARRISON CIRCLE              WILLINGBORO                    NJ   08046   1       72,518.00
 4600201      105 CALIFORNIA TRAIL            BROWNS MILL (PEMBERTON TWP)    NJ   08015   1       70,670.00
 4600203      212 WALTER AVE                  DELANCO                        NJ   08075   1       81,190.00
 4600205      47 SUSSEX DR                    WILLINGBORO                    NJ   08046   1       73,474.00
 4600211      3 GEORGIAN BLVD                 JACKSON                        NJ   08527   1       69,431.00
 4600212      85 EMBER LANE                   WILLINGBORO                    NJ   08046   1       61,554.00
 4600215      10 WHITTIER DR                  MANALAPAN                      NJ   07726   1       34,560.00
 4600217      16 8TH AVE                      ROEBLING (FLORENCE TWP)        NJ   08554   1       47,973.00
 4600220      427 GORDONS CORNER RD           MANALAPAN                      NJ   07726   1       51,453.00
 4800115      10 HELENE DRIVE                 SHIRLEY                        NY   11967   1       47,221.00
 4800146      80 SHINNECOCK AVE               MASTIC                         NY   11950   1       61,590.00
 4800157      551 MIDDLE STREET               NORTH BABYLON                  NY   11703   1       71,983.00
 4800158      462 48TH STREET                 LINDENHURST                    NY   11757   1      111,990.00
 4800160      99 EMPRESS PINES DRIVE          NESCONSET                      NY   11767   1      139,564.00
 4800161      10 SUFFOLK AVENUE               PATCHOGUE                      NY   11772   1       27,754.00
 4800164      128 RULAND ROAD                 SELDEN                         NY   11784   1       86,790.00
 4800168      60 CONNECTICUT AVENUE           BAY SHORE                      NY   11706   1       69,179.00
 4800172      3 PAMELA LANE                   SELDEN                         NY   11784   1       70,548.00
 4800174      324 AMITYVILLE STREET           ISLIP TERRACE                  NY   11752   1       87,740.00
 4800177      56 BEDELL PLACE                 AMITYVILLE                     NY   11701   1       97,490.00
 8300080      9805 MINNICK                    OAK LAWN                       IL   60453   1       90,100.37
 8301740      5475 SOUTH SILVER SPUR STREET   BOISE                          ID   83709   1       83,110.15
 8303014      7227 NW EVERS ROAD              FOREST GROVE                   OR   97116   1      133,173.85
 8303074      2901 KING STREET                BERKELEY                       CA   94703   1      175,316.98
 8303204      2210 OAK CREEK PL               HAYWARD                        CA   94541   1      119,429.79
 8303271      814 EAST OLYMPIC AVENUE         SPOKANE                        WA   99207   1       40,983.70
 8303305      7911 REVERE STREET              PHILADELPHIA                   PA   19152   1       73,091.29
 8303842      1155 S. ZENOBIA ST              DENVER                         CO   80219   1       95,000.00
 8303850      802 NAPLES ST.                  AURORA                         CO   80011   1       88,900.00
 8303879      1720 STARLITE DR.               MILPITAS                       CA   95035   1      150,000.00
 8303884      6374 RED BANK CT.               GROVE CITY                     OH   43123   1      140,000.00
 8303885      112 MCABE DRIVE                 STREAMWOOD                     IL   60107   1       76,000.00
 8303893      3660 HAZELWOOD CT.              COLORADO SPRINGS               CO   80918   1       86,250.00
 8410338      2344 NE 44TH AVENUE             PORTLAND                       OR   97213   1       99,781.97
 8900687      21 IROQUIOS STREET              PEEKSKILL                      NY   10566   1       71,387.96
14001004      247 WEST HOWARD STREET          PASADENA                       CA   91103   1       77,774.80
- -----------------------------------------------------------------------------------------------------------
TOTAL FIXED RATE LOANS:                       248                                             21,322,828.69




                                                                         
                                                                       
                                                                                
  Loan                                         Current     Current        Mat     Pmt   Prop   Occup  Appraised   Orig 
  Number        Property Address                Rate         Pmt          Date    Type  Type   Type     Value     Type 
- ---------------------------------------------------------------------------------------------------------------------- 
                                                                                         
                                               
 3300877       23-55 98TH STREET                  9.990       833.89      1/1/29    A     S      P    160,000     F 
 3300878       8813 AVENUE B                     10.990     1,265.49      1/1/29    A     F      P    190,000     F 
 3300879       157-23 90TH STREET                 8.750       405.30      1/1/29    A     F      P    280,000     F 
 3300881       70 JACKSON STREET                  8.490       393.38      2/1/14    A     F      P    200,000     F 
 3300883       107-04 PINEGROVE STREET            9.990     1,016.97      2/1/29    A     S      P    145,000     F 
 3300886       48 FULLER PLACE                    8.490     1,453.87      2/1/29    A     F      P    320,000     F 
 3300887       34-68 111TH STREET                11.990       949.00      2/1/29    A     F      P    185,000     F 
 3300893       106 CANTON COURT                  11.240     1,231.80      2/1/29    A     S      P    182,000     F 
 3300896       130-39 INWOOD STREET               8.490       622.55      2/1/29    A     S      P    130,000     F 
 3300905       134-07 135TH STREET                9.250       888.28      2/1/29    A     S      P    155,000     F 
 3400520       22 LUM AVE                        10.650       887.92      6/1/28    A     S      P    137,000     F 
 3400792       1 GROWNEY STREET                   8.990     1,125.33      1/1/29    A     S      P    175,000     F 
 3400827       140-42 DE HART PL                  8.990       759.58      2/1/29    A     F      P    135,000     F 
 3400835       2292 MOUNTAIN AVE                  8.490       633.65      2/1/29    A     S      P    150,000     F 
 3400836       681-683 MAPLE AVE                  9.250       716.44      2/1/29    A     S      P    134,000     F 
 3400839       55 EVERGREEN TERRACE               8.990     1,235.84      1/1/29    A     S      P    205,000     F 
 3400840       6 NEVIUS ST                        9.240       764.29      2/1/29    A     S      P    158,000     F 
 3400858       1757 LINVALE HARBOUTON ROAD        9.500     1,040.56      2/1/29    A     S      P    160,000     F 
 3400861       977-79 CARNEGIE AVE                9.990       876.73      2/1/29    A     S      P    125,000     F 
 3400866       145 SOMERSET AVE                   9.990       953.87      2/1/29    A     S      P    136,000     F 
 3500554       27 THETFORD AVE.                   9.490       437.14     12/1/28    A     F      P    165,000     F 
 3500555       47 STANLEY ST.                     9.990       588.62     12/1/28    A     F      I    127,000     F 
 3600370       614 HIGHLAND AVE NW                9.500       862.71      2/1/29    A     S      P    200,000     F 
 3600371       4407 UNAKA CT                      8.490       335.20      2/1/29    A     S      P    103,000     F 
 3600372       1011 NOVA AVE                      8.490       211.47      2/1/29    A     S      P    105,000     F 
 3600376       701 GRANDIN AVE                    8.750       274.49      2/1/14    A     S      P    140,000     F 
 3700190       309 MARCHMONT DR.                  8.490       245.74      2/1/29    A     S      P     65,000     F 
 3700193       9184 MILLCLIFF DRIVE               9.240       410.76      2/1/29    A     S      P    121,000     F 
 3700198       692 CEDARHILL DR.                 10.450       898.16      2/1/29    A     S      P    126,000     F 
 3700203       8885 CINCINNATI DAYTON RD.         8.490       367.13      2/1/29    A     S      P    106,000     F 
 3800341       6523 OLD DOMINION DR               9.990     2,421.68     12/1/13    A     S      P    305,000     F 
 3800347       314 W. DERBY AVE                   9.400     1,033.50     12/1/28    A     S      P    155,000     F 
 3800358       313 R ST NW                       10.240       232.76      1/1/29    A     S      P     74,000     F 
 3800365       2608 MONROE ST NE                  9.500       626.35      2/1/29    A     S      P    132,000     F 
 3800369       5352 CHILLUM PL NE                 9.250       695.36      2/1/29    A     S      P    121,000     F 
 3800372       1505 VAN BUREN ST NW               8.750       824.58      2/1/14    A     S      P    201,000     F 
 3800374       4261 MARNE PL NE                   9.990       247.61      2/1/14    A     S      P    143,000     F 
 3900381       3209 SAINT LUKES LN                8.490       484.75      2/1/14    A     S      P     94,000     F 
 3900382       7 HOPKINS ST                       8.490       161.32      2/1/29    A     S      P    112,000     F 
 3900384       886 WILLYS DR                      9.250       811.90      2/1/29    A     S      P    134,000     F 
 3900388       2051 CITRUS AVE                    9.990       607.56      2/1/29    A     S      P    126,000     F 
 4300012       10 PINE CREST ROAD                 8.750       466.83      2/1/29    A     S      P    124,000     F 
 4400302       1260 SELBY AVE                     8.750       228.86      2/1/14    A     S      P     78,000     F 
 4600189       32 GARRISON CIRCLE                 9.850       628.37      1/1/29    A     S      P     91,000     F 
 4600201       105 CALIFORNIA TRAIL               8.990       568.12      2/1/29    A     S      P    101,000     F 
 4600203       212 WALTER AVE                     8.990       652.69      2/1/29    A     S      P    116,000     F 
 4600205       47 SUSSEX DR                       9.900       639.36      2/1/29    A     S      P     92,000     F 
 4600211       3 GEORGIAN BLVD                    8.490       683.31      2/1/14    A     S      P    118,000     F 
 4600212       85 EMBER LANE                      8.990       494.83      2/1/29    A     S      P     88,000     F 
 4600215       10 WHITTIER DR                     8.750       345.41      2/1/14    A     S      P    183,000     F 
 4600217       16 8TH AVE                         8.750       377.40      2/1/29    A     S      P     81,000     F 
 4600220       427 GORDONS CORNER RD              9.500       432.64      2/1/29    A     S      P    131,000     F 
 4800115       10 HELENE DRIVE                   13.990       559.13      1/1/29    A     S      P    105,000     F 
 4800146       80 SHINNECOCK AVE                  9.990       540.04      1/1/29    A     S      P     77,000     F 
 4800157       551 MIDDLE STREET                  8.490       552.98      2/1/29    A     S      P    150,000     F 
 4800158       462 48TH STREET                    8.990     1,135.21      2/1/14    A     S      P    155,000     F 
 4800160       99 EMPRESS PINES DRIVE             8.490     1,072.14      2/1/29    A     S      P    215,000     F 
 4800161       10 SUFFOLK AVENUE                  8.490       273.14      2/1/14    A     S      P    126,000     F 
 4800164       128 RULAND ROAD                    9.250       714.00      2/1/29    A     S      P    124,000     F 
 4800168       60 CONNECTICUT AVENUE              8.490       531.44      2/1/29    A     S      P    108,000     F 
 4800172       3 PAMELA LANE                      8.490       541.95      2/1/29    A     S      P    120,000     F 
 4800174       324 AMITYVILLE STREET              9.500       737.77      3/1/29    A     S      P    117,000     F 
 4800177       56 BEDELL PLACE                    8.490       748.92      3/1/29    A     S      P    150,000     F 
 8300080       9805 MINNICK                       9.875       797.99     11/1/25    A     S      P    139,000     C 
 8301740       5475 SOUTH SILVER SPUR STREET      9.990       735.04      6/1/27    A     S      P    119,000     C 
 8303014       7227 NW EVERS ROAD                 7.500     1,261.80      5/1/13    A     S      P    235,000     C 
 8303074       2901 KING STREET                   7.500     1,232.37      5/1/28    A     S      P    235,000     C 
 8303204       2210 OAK CREEK PL                  7.950       875.80      6/1/28    A     C      P    167,000     C 
 8303271       814 EAST OLYMPIC AVENUE            7.990       307.89      6/1/28    A     S      P     68,000     C 
 8303305       7911 REVERE STREET                 7.250       501.40      6/1/28    A     S      P    105,000     C 
 8303842       1155 S. ZENOBIA ST                 8.750       747.37     12/1/28    A     S      P    130,000     C 
 8303850       802 NAPLES ST.                     7.500       621.60     12/1/28    A     S      P    127,000     C 
 8303879       1720 STARLITE DR.                  7.990     1,099.60     12/1/28    A     S      P    288,500     C 
 8303884       6374 RED BANK CT.                  7.990     1,026.29     12/1/28    A     S      P    175,000     C 
 8303885       112 MCABE DRIVE                    8.250       570.96     12/1/28    A     S      P    112,000     C 
 8303893       3660 HAZELWOOD CT.                 7.500       603.07     12/1/28    A     S      P    115,000     C 
 8410338       2344 NE 44TH AVENUE                7.500       711.96     10/1/27    A     S      P    175,000     C 
 8900687       21 IROQUIOS STREET                 9.742       619.84      2/1/12    A     S      P     93,000     C 
14001004       247 WEST HOWARD STREET             8.950       643.93     11/1/24    A     S      S    124,000     C 
- ----------------------------------------------------------------------------------------------------------------------
                                                                              

                                     Page 3



                                   EXHIBIT A
                       LOAN SCHEDULE - 1998-4 (ADJUSTABLE)


             
   Loan                                                                                Lien    Cut-Off  
  Number     Property Address                     City                     ST    Zip    Pos    Balance  
- --------------------------------------------------------------------------------------------------------
                                                                                   
 304729      4810 KENISTON AV                  LOS ANGELES AREA            CA   90043   1      52,082.00
 304739      2433 DEL AMO BLVD                 TORRANCE                    CA   90501   1      96,559.00
 806853      1154 MADERA AVE                   MENLO PARK                  CA   94025   1     114,759.00
 806858      3291 ARQUEADO DRIVE               SAN JOSE                    CA   95148   1     185,222.00
1301760      2631 OAK HILL DR.                 MARIETTA                    GA   30062   1      75,715.00
1602972      9833 21ST AVE SW                  SEATTLE                     WA   98106   1      95,032.83
1803927      2330 W. 170TH ST.                 HAZELCREST                  IL   60429   1      47,189.92
2102063      12628 NW BARNES RD #9             PORTLAND                    OR   97229   1      50,264.35
2202055      5501 W. WILSON                    CHICAGO                     IL   60630   1      39,115.00
2401743      15840 SEDGEWYCK CIRCLE N.         DAVIE                       FL   33331   1     130,834.00
2401746      4320 N.W. 15 AVE                  FT. LAUDERDALE              FL   33309   1      61,600.00
2600650      2317 W PARADISE LN                PHOENIX                     AZ   85023   1      85,490.00
2600667      14241 N 56TH PL                   SCOTTSDALE                  AZ   85254   1     118,932.00
2700707      982 EAST 325 SOUTH                KAYSVILLE                   UT   84037   1      59,535.00
2700717      3878 SOUTH HALLMARK DRIVE         WEST VALLEY CITY            UT   84119   1      93,260.00
3101107      64 DELAWANNA AVE                  CLIFTON                     NJ   07014   1      82,606.00
3101120      36 LIBERTY PLACE                  WEEHAWKEN                   NJ   07087   1      59,382.00
3201235      21 PARK AVE                       MALVERNE                    NY   11565   1      88,722.00
3300885      101-05 160TH AVENUE               HOWARD BEACH                NY   11414   1     108,709.00
3300895      132-36 220 STREET                 LAURELTON                   NY   11413   1      68,988.00
3400855      116 DUNHAMS CORNER ROAD           EAST BRUNSWICK              NJ   08816   1      46,685.00
3400857      124 S MAPLE AVE                   SPRINGFIELD                 NJ   07081   1     116,319.00
3400859      243 PARK ST                       SOMERSET (FRANKLIN TWP)     NJ   08873   1      76,185.00
3700175      305 LINCOLN PK. BLVD.             KETTERING                   OH   45429   1     103,690.00
3900368      1423 SCHOOL LN                    LUTHERVILLE TIMONIUM        MD   35036   1      21,421.00
3900378      1250 PLEASANT VALLEY DR           BALTIMORE                   MD   21228   1      66,351.99
4300023      11 CARWALL AVENUE                 MOUNT VERNON                NY   10552   1     140,621.00
4400257      7871-7875 FIRWOOD WAY NE          FRIDLEY                     MN   55432   1      37,851.53
4400277      12564 HANSON BOULEVARD            COON RAPIDS                 MN   55448   1      81,459.56
4600218      5 BRANCH CT                       MARLBORO                    NJ   07746   1      84,846.00
8303518      18912 NW VISTA LANE               PORTLAND                    OR   97231   1     116,282.80
8303854      924 DWIGHT ST.                    SAN FRANCISCO               CA   94134   1     160,000.00
8303855      4600 JOHNSON AVE.                 WESTERN SPRINGS             IL   60558   1     115,000.00
8303867      1226 W. 400 NORTH                 WEST BOUNTIFUL              UT   84087   1      97,000.00
8303923      55 NW GLENEAGLE                   SHERWOOD                    OR   97140   1      89,000.00
8303950      218 N. SPRING GARDEN STREET       AMBLER                      PA   19002   1      40,000.00
8303962      1146 COUNTRY LANE                 DEERFIELD                   IL   60015   1     187,000.00
8303975      4360 VICTORIA AVE.                UNION CITY                  CA   94587   1     105,000.00
8303976      222 E. 2ND ST.                    MEDIA                       PA   19063   1      40,000.00
8303981      604 BLAINE WAY                    HAYWARD                     CA   94544   1      96,000.00
- --------------------------------------------------------------------------------------------------------
TOTAL VARIABLE RATE LOANS:                     40                                           3,534,709.98








   Loan                                        Current  Current     Mat    Pmt    Prop  Occup   Appraised  Orig
  Number        Property Address                Rate      Pmt      Date    Type   Type   Type     Value    Type
- ---------------------------------------------------------------------------------------------------------------
                                                                                 
 304729         4810 KENISTON AV               11.000    495.99    1/1/29    A     S      P      280,000     F 
 304739         2433 DEL AMO BLVD               7.740    691.09    2/1/29    A     S      I      161,000     F 
 806853         1154 MADERA AVE                 6.990    762.72    2/1/29    A     S      P      211,000     F 
 806858         3291 ARQUEADO DRIVE             6.990  1,231.04    2/1/29    A     S      P      285,000     F 
1301760         2631 OAK HILL DR.               7.750    542.43    2/1/29    A     S      P      116,500     F 
1602972         9833 21ST AVE SW                7.490    664.57    11/1/28   A     S      P      128,000     F 
1803927         2330 W. 170TH ST.               9.890    410.30    1/1/29    A     S      P       59,000     F 
2102063         12628 NW BARNES RD #9           7.490    480.36    9/1/13    A     C      P       61,000     F 
2202055         5501 W. WILSON                  8.000    373.80    2/1/14    A     F      P      215,000     F 
2401743         15840 SEDGEWYCK CIRCLE N.       6.990    869.56    2/1/29    A     S      P      208,000     F 
2401746         4320 N.W. 15 AVE                8.000    452.00    2/1/29    A     F      P      117,000     F 
2600650         2317 W PARADISE LN              9.750    734.49    12/1/28   A     S      P      114,000     F 
2600667         14241 N 56TH PL                 7.990    871.85    1/1/29    A     S      P      183,000     F 
2700707         982 EAST 325 SOUTH              6.990    395.69    2/1/29    A     S      P      133,000     F 
2700717         3878 SOUTH HALLMARK DRIVE       8.100    690.82    2/1/29    A     S      P      118,000     F 
3101107         64 DELAWANNA AVE                7.740    990.93    2/1/09    A     S      P      137,000     F 
3101120         36 LIBERTY PLACE                8.490    456.18    2/1/29    A     F      P      246,000     F 
3201235         21 PARK AVE                     8.000    651.01    2/1/29    A     S      P      153,000     F 
3300885         101-05 160TH AVENUE            10.250    974.14    2/1/29    A     S      P      180,000     F 
3300895         132-36 220 STREET               6.990    619.70    2/1/14    A     F      P      160,000     F 
3400855         116 DUNHAMS CORNER ROAD         7.250    318.47    2/1/29    A     S      P      132,000     F 
3400857         124 S MAPLE AVE                 6.990    773.09    2/1/29    A     S      P      180,000     F 
3400859         243 PARK ST                     8.500    585.80    2/1/29    A     S      P      109,000     F 
3700175         305 LINCOLN PK. BLVD.           8.890    826.12    1/1/29    A     S      P      122,000     F 
3900368         1423 SCHOOL LN                 11.490    211.97    1/1/29    A     S      I      107,000     F 
3900378         1250 PLEASANT VALLEY DR         8.990    533.41    2/1/29    A     S      P      145,000     F 
4300023         11 CARWALL AVENUE               8.990  1,130.46    2/1/29    A     S      P      282,000     F 
4400257         7871-7875 FIRWOOD WAY NE        8.390    288.28    11/1/28   A     F      I      104,000     F 
4400277         12564 HANSON BOULEVARD          8.690    638.37    12/1/28   A     S      P      102,000     F 
4600218         5 BRANCH CT                     7.740    607.26    2/1/29    A     S      P      303,000     F 
8303518         18912 NW VISTA LANE             7.250  1,074.90    8/1/13    A     S      P      157,000     C 
8303854         924 DWIGHT ST.                  7.750  1,146.26    12/1/28   A     S      P      235,000     C 
8303855         4600 JOHNSON AVE.               8.990    924.49    12/1/28   A     S      P      350,000     C 
8303867         1226 W. 400 NORTH              10.500    887.30    12/1/28   A     S      P      240,000     C 
8303923         55 NW GLENEAGLE                 8.500    684.33    1/1/29    A     S      P      150,000     C 
8303950         218 N. SPRING GARDEN STREET    11.250    388.50    1/1/29    A     S      P      115,000     C 
8303962         1146 COUNTRY LANE               8.750  1,471.13    1/1/29    A     S      P      255,000     C 
8303975         4360 VICTORIA AVE.              8.250    788.83    1/1/29    A     S      P      211,000     C 
8303976         222 E. 2ND ST.                  8.750    314.68    1/1/29    A     S      P      126,000     C 
8303981         604 BLAINE WAY                  8.750    755.23    1/1/29    A     S      P      177,000     C 
- ---------------------------------------------------------------------------------------------------------------

                                                                          
                                     Page 4