UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 10-K

(Mark one)

/X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2005

/ / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

Commission File Number: 333-123741-11

Ace Securities Corp. Home Equity Loan Trust
Asset Backed Pass-Through Certificates
Series 2005-HE7

(Exact name of registrant as specified in its charter)

New York 54-2186766
(State or other jurisdiction of 54-2186767
incorporation or organization) 54-2186768
(I.R.S. Employer
Identification No.)

c/o Wells Fargo Bank, N.A.
9062 Old Annapolis Road
Columbia, MD 21045
(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code: (410) 884-2000

Securities registered pursuant to Section 12(b) of the Act:

NONE.

Securities registered pursuant to Section 12(g) of the Act:

NONE.

Indicate by check mark if the registrant is a well-known seasoned issuer,
as defined in Rule 405 of the Securities Act.

Yes ___ No X

Indicate by check mark if the registrant is not required to file reports
pursuant to Section 13 or Section 15(d) of the Act.

Yes ___ No X

Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period
that the registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days.

Yes ___ No X
The registrant has not been subject to filing requirements for the past 90
days as the closing date for the transaction was November 28, 2005

Indicate by check mark if disclosure of delinquent filers pursuant to
Item 405 of Regulation S-K ( 229.405 of this chapter) is not contained
herein, and will not be contained, to the best of registrant's knowledge,
in definitive proxy or information statements incorporated by reference
in Part III of this Form 10-K or any amendment to this Form 10-K.

Not applicable.

Indicate by check mark whether the registrant is a large accelerated filer,
an accelerated filer, or a non-accelerated filer. See Definition of
"accelerated filer and large accelerated filer" in Rule 12b-2 of the
Exchange Act. (Check One):

Large Accelerated Filer ___ Accelerated Filer ___ Non-Accelerated Filer X

Indicate by check mark whether the registrant is a shell company (as
defined in Rule 12b-2 of the Act).

Yes ___ No X

State the aggregate market value of the voting and non-voting common
equity held by non-affiliates computed by reference to the price at which
the common equity was last sold, or the average bid and asked price of
such common equity, as of the last business day of the registrant's most
recently completed second fiscal quarter.

Not applicable.

Documents Incorporated by Reference

List hereunder the following documents if incorporated by reference and
the Part of the Form 10-K (e.g. Part I, Part II, etc.) into which the
document is incorporated: (1)Any annual report to security holders; (2)
Any proxy or information statement; and (3)Any prospectus filed pursuant
to Rule 424(b) or (c) under the Securities Act of 1933. The listed
documents should be clearly described for identification purposes (e.g.
annual report to security holders for fiscal year ended December 24, 1980).

Not applicable.

PART I
Item 1. Business.

Not applicable.

Item 1A. Risk Factors.

Not applicable.

Item 1B. Unresolved Staff Comments.

Not applicable.

Item 2. Properties.

Not applicable.

Item 3. Legal Proceedings.

The registrant knows of no material pending legal proceedings
involving the trust created under the Pooling and Servicing
Agreement (the Trust), the Trustee, the Servicer or the
registrant with respect to the Trust other than routine
litigation incidental to the duties of the respective parties.

Item 4. Submission of Matters to a Vote of Security Holders.

None.

PART II

Item 5. Market for Registrant's Common Equity, Related Stockholder
Matters and Issuer Purchases of Equity Securities.

No established public trading market for the Certificates exists.

Records provided to the Trust by the DTC and the Trustee
indicate that as of December 31, 2005, the total number of holders
of record for the Series of Certificates is 35.

Item 6. Selected Financial Data.

Not applicable.

Item 7. Management's Discussion and Analysis of Financial Condition and
Results of Operation.

Not applicable.

Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

Not applicable.

Item 8. Financial Statements and Supplementary Data.

Not applicable.

Item 9. Changes in and Disagreements with Accountants on Accounting and
Financial Disclosure.

None.

Item 9A. Controls and Procedures.
Not applicable.

Item 9B. Other Information.

None.

PART III

Item 10. Directors and Executive Officers of the Registrant.

Not applicable.

Item 11. Executive Compensation.

Not applicable.

Item 12. Security Ownership of Certain Beneficial Owners and Management
and Related Stockholder Matters.

Not applicable.

Item 13. Certain Relationships and Related Transactions.

Not applicable.

Item 14. Principal Accounting Fees and Services.

Not applicable.

PART IV

Item 15. Exhibits, Financial Statement Schedules.

(a) Exhibits

(31.1) Rule 13a-14(a)/15d-14(a) Certification

(99.1) Annual Independent Accountants' Servicing Reports concerning
servicing activities.

<s> <c>
a) Countrywide Home Loans Inc., as Servicer <F1>
b) Wells Fargo Bank, N.A., as Servicer <F1>

(99.2) Report of Management as to Compliance with Minimum Servicing
Standards.

<s> <c>
a) Countrywide Home Loans Inc., as Servicer <F1>
b) Wells Fargo Bank, N.A., as Servicer <F1>

(99.3) Annual Statements of Compliance under the Pooling and Servicing
Agreements.

<s> <c>
a) Countrywide Home Loans Inc., as Servicer <F1>
b) Wells Fargo Bank, N.A., as Servicer <F1>

(99.4) Aggregate Statement of Principal and Interest Distributions to
Certificate Holders.

(b) Not applicable.

(99.5) Reliance Certifications Mandated under the Pooling and Servicing
Agreement for the year ended December 31, 2005

<s> <c>
a) Countrywide Home Loans Inc., as Servicer <F2>
b) Wells Fargo Bank, N.A., as Servicer <F2>

<F1> Filed herewith.

<F2> Certification has been received.

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be
signed on its behalf by the undersigned, thereunto duly authorized:

Ace Securities Corp. Home Equity Loan Trust
Asset Backed Pass-Through Certificates
Series 2005-HE7
(Registrant)

Signed: Wells Fargo Bank, N.A. as Master Servicer

By: Kristen Ann Cronin, Vice President

By: /s/ Kristen Ann Cronin, Vice President

Dated: March 27, 2006

Exhibit Index

Exhibit No.

Ex-31.1 Rule 13a-14(a)/15d-14(a) Certification

I, Kristen Ann Cronin, certify that:

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 Ace Securities Corp. Home Equity Loan Trust Asset Backed
Pass-Through Certificates, Series 2005-HE7 Trust;

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. I am responsible for reviewing the activities performed by the master
servicer under the pooling and servicing, or similar, agreement, and
based on upon my knowledge and the annual compliance review required
under that agreement, and except as disclosed in the reports, the
master servicer has fulfilled its obligations under that 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:
Countrywide Home Loans Inc. as Servicer.

Date: March 27, 2006

/s/ Kristen Ann Cronin
Signature

Vice President
Title

EX-99.1 (a)
(logo)KPMG

KPMG LLP
Suite 2000
355 South Grand Avenue
Los Angeles, CA 90071-1568

Telephone 213 972 4000
Fax 213 622 1217
Internet www.us.kpmg.com

Independent Accountants' Report

The Board of Directors
Countrywide Financial Corporation:

We have examined management's assertion, included in the accompanying Management
Assertion, that Countrywide Financial Corporation and subsidiaries, including
its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and
Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL,
(collectively, the "Company") complied with the minimum servicing standards set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2005. Management is responsible for the Company's compliance with
those minimum servicing standards. Our responsibility is to express an opinion
on management's assertion about the Company's compliance based on our
examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures as we considered necessary in the circumstances. We
believe that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the Company's compliance
with the minimum servicing standards.

In our opinion, management's assertion that Countrywide Financial Corporation
and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans,
Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned
subsidiary of CHL, complied with the aforementioned minimum servicing standards
as of and for the year ended December 31, 2005 is fairly stated, in all material
respects.

/s/ KPMG LLP

March 3, 2006

KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.

EX-99.1 (b)
(logo) KPMG

KPMG LLP
2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309

Independent Accountants' Report

The Board of Directors
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.:

We have examined management's assertion, included in the accompanying Assertion
of Management of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.
(the Company), that the Company complied with the minimum servicing standards
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2005. Management is responsible for the Company's compliance with
those minimum servicing standards. Our responsibility is to express an opinion
on management's assertion about the Company's compliance based on our
examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures, as we considered necessary in the circumstances. We
believe that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the Company's compliance
with the minimum servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2005 is fairly stated, in all material respects.

/s/ KPMG LLP

February 21, 2006

KPMG LLP a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative

EX-99.2 (a)
(logo) Countrywide
HOME LOANS

2900 MADERA ROAD
SIMI VALLEY, CALIFORNIA 93065-6298
(805) 955-1000

Management Assertion

March 3, 2005

As of and for the year ended December 31, 2005, Countrywide Financial
Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide
Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a
wholly-owned subsidiary of CHL, (collectively, the "Company") have complied in
all material respects with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation for
Mortgage Bankers. As of and for this same period, the Company had in effect a
mortgage bankers' (fidelity) bond in the amount of $200 million and an errors
and omissions policy in the amount of $100 million and $130 million for the
period January 1, 2005 to August 1, 2005 and for the period from August 1, 2005
to December 31, 2005, respectively.

/s/ Steve Bailey
Steve Bailey
Senior Managing Director and
Chief Executive Officer, Loan Administration

/s/ Kevin Meyers
Kevin Meyers
Managing Director and Chief Financial Officer,
Loan Administration

EX-99.2 (b)
(logo) WELLS HOME
FARGO MORTGAGE

1 Home Campus
Des Moines, IA 50328

Assertion of Management of Wells Fargo Home Mortgage, a division of Wells Fargo
Bank, N.A.

As of and for the year ended December 31, 2005, Wells Fargo Home Mortgage, a
division of Wells Fargo Bank, N.A. (the Company) has complied in all material
respects with the minimum servicing standards set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage
Bankers.

As of and for this same period, the Company had in effect a fidelity bond along
with an errors and omissions policy in the amounts of $100 million and $20
million, respectively.

/s/ Michael J. Heid February 21, 2006
Michael J. Heid, Division President, Capital Markets, Finance, & Administration
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.

/s/ Franklin R. Codel February 21, 2006
Franklin R. Codel, Executive Vice President, Finance and Corporate Real Estate
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.

/s/ Mary Coffin February 21, 2006
Mary Coffin, Executive Vice President, Servicing & Post Closing
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.

/s/ Cara K. Heiden
Cara K. Heiden, division President, Nat'l Consumer & Institutional Lending
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.

Wells Fargo Home Mortgage
is a division of Wells Fargo Bank, N.A.

EX-99.3 (a)
(logo) Countrywide

Exhibit "A"

PORTFOLIO SERVICES
450 AMERICAN STREET, MS SV3-A
SIMI VALLEY, CALIFORNIA 93065
(800) 293-0780 TOLL FREE

Wells Fargo Bank, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2005 fiscal year:

(A) I have reviewed the activities and performance of the Servicer during the
preceding fiscal year under the terms of the Servicing Agreement, Trust
Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and
to the best of these Officers' 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 to Wells Fargo Bank, N.A.;

(B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC
servicer in good standing;

(C) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
Policy and any other bonds required under the terms of the Servicing
Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
Seller/Servicer Guide are in full force and effect;

(D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Primary Mortgage Insurance Policy (if applicable), with
respect to each Mortgaged Property, have been paid and that all such
insurance policies are in full force and effect;

(E) All real estate taxes, govermnental assessments and any other expenses
accrued and due, that if not paid could result in a lien or encumbrance on
any Mortgaged Property, have been paid, or if any such costs or expenses
have not been paid with respect to any Mortgaged Property, the reason for
the non-payment has been reported to Wells Fargo Bank, N.A.;

(F) All Custodial Accounts have been reconciled and are properly funded; and

(G) All annual reports of Foreclosure and Abandonment of Mortgage Property
required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
respectively, have been prepared and filed.

Certified By:

/s/ Joseph M. Candelario
Officer

First Vice President
Title

March 15, 2006
Date

[PAGE]

fin_inst_ty
issr_cde dl_id fin_inst_nme p_desc
ABFC 2005-HE1 Countrywide Home Loans Inc. Servicer
ABSC 2005-HE3 Countrywide Home Loans Inc. Servicer
ABSC 2005-HE5 Countrywide Home Loans Inc. Servicer
ACE 2005-HE4 Countrywide Home Loans Inc. Servicer
ACE 2005-HE7 Countrywide Home Loans Inc. Servicer
ARMT 2005-10 Countrywide Home Loans Inc. Servicer
ARMT 2005-11 Countrywide Home Loans Inc. Servicer
ARMT 2005-12 Countrywide Home Loans Inc. Servicer
ARMT 2005-4 Countrywide Home Loans Inc. Servicer
ARMT 2005-5 Countrywide Home Loans Inc. Servicer
ARMT 2005-6A Countrywide Home Loans Inc. Servicer
ARMT 2005-7 Countrywide Home Loans Inc. Servicer
ARMT 2005-8 Countrywide Home Loans Inc. Servicer
BAF 2005-1 Countrywide Home Loans Inc. Servicer
BAF 2005-A Countrywide Home Loans Inc. Servicer
BAF 2005-E Countrywide Home Loans Inc. Servicer
BAF 2005-F Countrywide Home Loans Inc. Servicer
BAF 2005-H Countrywide Home Loans Inc. Servicer
BSL 2005-10 Countrywide Home Loans Inc. Servicer
BSL 2005-2 Countrywide Home Loans Inc. Servicer
BSL 2005-4 Countrywide Home Loans Inc. Servicer
BSL 2005-5 Countrywide Home Loans Inc. Servicer
BSL 2005-7 Countrywide Home Loans Inc. Servicer
BSL 2005-9 Countrywide Home Loans Inc. Servicer
BST 2005-1 Countrywide Home Loans Inc. Servicer
BST 2005-12 Countrywide Home Loans Inc. Servicer
BST 2005-3 Countrywide Home Loans Inc. Servicer
BST 2005-4 Countrywide Home Loans Inc. Servicer
BST 2005-6 Countrywide Home Loans Inc. Servicer
BST 2005-7 Countrywide Home Loans Inc. Servicer
CSF 2005-1 Countrywide Home Loans Inc. Servicer
CSF 2005-10 Countrywide Home Loans Inc. Servicer
CSF 2005-11 Countrywide Home Loans Inc. Servicer
CSF 2005-12 Countrywide Home Loans Inc. Servicer
CSF 2005-2 Countrywide Home Loans Inc. Servicer
CSF 2005-3 Countrywide Home Loans Inc. Servicer
CSF 2005-4 Countrywide Home Loans Inc. Servicer
CSF 2005-5 Countrywide Home Loans Inc. Servicer
CSF 2005-6 Countrywide Home Loans Inc. Servicer
CSF 2005-7 Countrywide Home Loans Inc. Servicer
CSF 2005-8 Countrywide Home Loans Inc. Servicer
CSF 2005-9 Countrywide Home Loans Inc. Servicer
DAL 2005-AR2 Countrywide Home Loans Inc. Servicer
GSA 2005-12 Countrywide Home Loans Inc. Servicer
GSA 2005-15 Countrywide Home Loans Inc. Servicer
GSA 2005-6 Countrywide Home Loans Inc. Servicer
GSA 2005-7 Countrywide Home Loans Inc. Servicer

[PAGE]

GSA 2005-9 Countrywide Home Loans Inc. Servicer
GSP 2005-9F Countrywide Home Loans Inc. Servicer
GSP 2005-AR1 Countrywide Home Loans Inc. Servicer
GSP 2005-AR2 Countrywide Home Loans Inc. Servicer
GSP 2005-AR3 Countrywide Home Loans Inc. Servicer
GSP 2005-AR4 Countrywide Home Loans Inc. Servicer
GSP 2005-AR5 Countrywide Home Loans Inc. Servicer
GSP 2005-AR7 Countrywide Home Loans Inc. Servicer
HBV 2005-14 Countrywide Home Loans Inc. Servicer
HBV 2005-4 Countrywide Home Loans Inc. Servicer
HBV 2005-7 Countrywide Home Loans Inc. Servicer
JPMMT 2005-A2 Countrywide Home Loans Inc. Servicer
JPMMT 2005-A3 Countrywide Home Loans Inc. Servicer
JPMMT 2005-A6 Countrywide Home Loans Inc. Servicer
JPMMT 2005-S2 Countrywide Home Loans Inc. Servicer
JPMMT 2005-S3 Countrywide Home Loans Inc. Servicer
LMC 2005-1 Countrywide Home Loans Inc. Servicer
MABS 2005-AB1 Countrywide Home Loans Inc. Servicer
MAL 2005-1 Countrywide Home Loans Inc. Servicer
MAL 2005-2 Countrywide Home Loans Inc. Servicer
MAL 2005-3 Countrywide Home Loans Inc. Servicer
MAL 2005-5 Countrywide Home Loans Inc. Servicer
MAL 2005-6 Countrywide Home Loans Inc. Servicer
MARM 2005-2 Countrywide Home Loans Inc. Servicer
MARM 2005-6 Countrywide Home Loans Inc. Servicer
MARM 2005-7 Countrywide Home Loans Inc. Servicer
MARM 2005-8 Countrywide Home Loans Inc. Servicer
MLM 2005-A01 Countrywide Home Loans Inc. Servicer
MLM 2005-A04 Countrywide Home Loans Inc. Servicer
MLM 2005-A07 Countrywide Home Loans Inc. Servicer
MLM 2005-A09 Countrywide Home Loans Inc. Servicer
MLM 2005-Al0 Countrywide Home Loans Inc. Servicer
MSI 2005-HE3 Countrywide Home Loans Inc. Servicer
MSI 2005-HE4 Countrywide Home Loans Inc. Servicer
MSI 2005-HE5 Countrywide Home Loans Inc. Servicer
MSI 2005-WM2 Countrywide Home Loans Inc. Servicer
MSI 2005-WM3 Countrywide Home Loans Inc. Servicer
MSI 2005-WM4 Countrywide Home Loans Inc. Servicer
MSI 2005-WM5 Countrywide Home Loans Inc. Servicer
MSI 2005-WM6 Countrywide Home Loans Inc. Servicer
MSML 2005-5AR Countrywide Home Loans Inc. Servicer
MSML 2005-6AR Countrywide Home Loans Inc. Servicer
MSSTR 2005-1 Countrywide Home Loans Inc. Servicer
MSSTR 2005-2 Countrywide Home Loans Inc. Servicer
NHEL 2005-FM1 Countrywide Home Loans Inc. Servicer
NHEL 2005-HE1 Countrywide Home Loans Inc. Servicer
PPS 2005-WC2 Countrywide Home Loans Inc. Servicer
PPS 2005-WC3 Countrywide Home Loans Inc. Servicer
PPS 2005-WW1 Countrywide Home Loans Inc. Servicer

[PAGE]

PRM 2005-4 Countrywide Home Loans Inc. Servicer
SABR 2005-FR3 Countrywide Home Loans Inc. Servicer
SABR 2005-FR4 Countrywide Home Loans Inc. Servicer
SABR 2005-FR5 Countrywide Home Loans Inc. Servicer
SABR 2005-HEl Countrywide Home Loans Inc. Servicer
SAIL 2005-1 Countrywide Home Loans Inc. Servicer
SAM 2005-AR2 Countrywide Home Loans Inc. Servicer
SAM 2005-AR4 Countrywide Home Loans Inc. Servicer
SAM 2005-AR6 Countrywide Home Loans Inc. Servicer
SAM 2005-AR8 Countrywide Home Loans Inc. Servicer
SARM 2005-1 Countrywide Home Loans Inc. Servicer
SARM 2005-12 Countrywide Home Loans Inc. Servicer
SARM 2005-14 Countrywide Home Loans Inc. Servicer
SARM 2005-15 Countrywide Home Loans Inc. Servicer
SARM 2005-17 Countrywide Home Loans Inc. Servicer
SARM 2005-18 Countrywide Home Loans Inc. Servicer
SARM 2005-20 Countrywide Home Loans Inc. Servicer
SARM 2005-21 Countrywide Home Loans Inc. Servicer
SARM 2005-22 Countrywide Home Loans Inc. Servicer
SARM 2005-23 Countrywide Home Loans Inc. Servicer
SARM 2005-4 Countrywide Home Loans Inc. Servicer
SARM 2005-7 Countrywide Home Loans Inc. Servicer
THB 2005-3 Countrywide Home Loans Inc. Servicer
THB 2005-4 Countrywide Home Loans Inc. Servicer

EX-99.3 (b)
(logo) WELLS HOME
FARGO MORTGAGE

Wells Fargo Home Mortgage
One Home Campus
Des Moines, IA 50328-0001

February 24, 2006

Re: 2005 Annual Certification

We hereby certify to the best of our knowledge and belief that for the calendar
year of 2005:

1. All real estate taxes, bonds assessments and other lienable items have been
paid.

2. All FHA mortgage insurance, private mortgage insurance premiums, and flood
insurance have been paid (if applicable).

3. Hazard insurance policies held by us meet the requirements as specified in
the servicing agreement, or those of a normal prudent lender if not specified,
and those premiums due have been paid.

4. We have made all property inspections as required.

5. Fidelity bond and Errors and Omissions insurance coverage currently exists.

6. That the Officer signing this certificate has reviewed the activities and
performance of the Servicer during the preceding fiscal year under the terms
of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
and/or Seller/Servicer Guide or similar agreements and to the best of this
officer's knowledge, the Servicer has fulfilled all of its duties,
responsibilities or obligations of such agreement throughout the 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.

Sincerely,

/s/ John B. Brown
John B. Brown
Senior Vice President
Wells Fargo Home Mortgage

Wells Fargo Home Mortgage
is a division of Wells Fargo Bank, N.A.

Ex-99.4

Schedule of Year-To-Date Principal and Interest Distributions to
Certificateholders

Class Interest Principal Losses Ending Balance
<s> <c> <c> <c> <c>
A-1A 2,046,221.73 8,996,510.80 0.00 563,106,489.20
A-1B1 445,107.79 1,142,214.57 0.00 123,025,785.43
A-1B2 112,527.25 285,553.64 0.00 30,756,446.36
A-2A 1,087,983.25 11,205,571.94 0.00 302,887,428.06
A-2B 514,085.22 0.00 0.00 145,702,000.00
A-2C 347,735.98 0.00 0.00 97,005,000.00
A-2D 289,656.25 0.00 0.00 79,376,000.00
CE 3,132,091.15 0.00 0.00 1,775,981,233.26
M-1 258,684.12 0.00 0.00 69,208,000.00
M-10 101,872.57 0.00 0.00 18,875,000.00
M-11 97,020.47 0.00 0.00 17,976,000.00
M-2 236,179.67 0.00 0.00 62,916,000.00
M-3 169,423.80 0.00 0.00 44,940,000.00
M-4 125,635.04 0.00 0.00 32,357,000.00
M-5 120,623.16 0.00 0.00 30,559,000.00
M-6 108,605.00 0.00 0.00 26,964,000.00
M-7 134,382.46 0.00 0.00 28,762,000.00
M-8 102,522.17 0.00 0.00 21,571,000.00
M-9 106,724.67 0.00 0.00 19,774,000.00
P 134,694.20 0.00 0.00 100.00
R-1 0.00 0.00 0.00 0.00