EX-33.4
(logo) GMAC Mortgage
Certification Regarding Compliance with Applicable Servicing Criteria
1. GMAC Mortgage, LLC ("GMACM"), for itself and its affiliated servicing
participant Homecomings Financial, LLC ("Homecomings"), is responsible for
assessing compliance with the servicing criteria applicable to it under
paragraph (d) of Item 1122 of Regulation AB, as of and for the 12-month
period ending December 31, 2007 (the "Reporting Period"), as set forth in
Appendix A hereto. The transactions covered by this report include (i) all
SEC-registered transactions closed on or after January 1, 2006 and (ii)
unregistered transactions where GMACM has agreed to prepare an assessment of
compliance in conformity with Item 1122 of Regulation AB, for which GMACM
acted as a primary servicer and involving first and second lien mortgage
loans and home equity loans (the "GMACM Primary Servicing Platform"), as set
forth in Appendix B hereto.
2. GMACM has engaged certain vendors, which are not servicers as defined in
Item 1101(j) of Regulation AB (the "Vendors"), to perform specific, limited
or scripted activities, and GMACM elects to take responsibility for
assessing compliance with the servicing criteria or portion of the servicing
criteria applicable to such Vendors' activities as set forth in Appendix A
hereto. GMACM has policies and procedures in place designed to provide
reasonable assurance that such Vendors' activities comply in all material
respects with the servicing criteria applicable to such Vendors;
3. Except as set forth in paragraph 4 below, GMACM used the criteria set forth
in paragraph (d) of Item 1122 of Regulation AB to assess the compliance with
the applicable servicing criteria;
4. The criteria listed in the column titled "Inapplicable Servicing Criteria" in
Appendix A hereto are inapplicable to GMACM based on the activities it
performs, directly or through its Vendors, with respect to the GMACM Primary
Servicing Platform;
5. GMACM has complied, in all material respects, with the applicable servicing
criteria as of December 31, 2007 and for the Reporting Period with respect
to the GMACM Primary Servicing Platform taken as a whole, except as
described in Appendix C hereto.
6. GMACM has not identified and is not aware of any material instance of
noncompliance by the Vendors with the applicable servicing criteria as of
December 31, 2007 and for the Reporting Period with respect to the GMACM
Primary Servicing Platform taken as a whole;
7. GMACM has not identified any material deficiency in its policies and
procedures to monitor the compliance by the Vendors with the applicable
servicing criteria as of December 31, 2007 and for the Reporting Period with
respect to the GMACM Primary Servicing Platform taken as a whole; and
(page)
8. PricewaterhouseCoopers LLP, a registered independent public accounting firm,
has issued an attestation report on GMACM's compliance with the applicable
servicing criteria for the Reporting Period.
March 17, 2008
GMAC Mortgage, LLC
By: /s/ Anthony N. Renzi
Name: Anthony N. Renzi
Title: Executive Vice President
(page)
APPENDIX A
INAPPLICABLE
APPLICABLE SERVICING
SERVICING CRITERIA SERVICING CRITERIA CRITERIA
Performed
by NOT
Vendor(s) performed by
for which GMACM or by
Performed GMACM is subservicer(s)
Directly the or vendor(s)
by Responsible retained by
Reference Criteria GMACM Party GMACM
General Servicing Considerations
1122(d)(1)(i) Policies and procedures are instituted X
to monitor any performance or other
triggers and events of default in
accordance with the transaction
agreements.
1122(d)(1)(ii) If any material servicing activities X
are outsourced to third parties, policies
and procedures are instituted to monitor
the third party's performance and
compliance with such servicing
activities.
1122(d)(1)(iii) Any requirements in the transaction X
agreements to maintain a back-up servicer
for the pool assets are maintained.
1122(d)(1)(iv) A fidelity bond and errors and X
omissions policy is in effect on the
party participating in the servicing
function throughout the reporting period
in the amount of coverage required by and
otherwise in accordance with the terms of
the transaction agreements.
Cash Collection and Administration
1122(d)(2)(i) Payments on pool assets are deposited X X(1)
into the appropriate custodial bank
accounts and related bank clearing
accounts no more than two business days
following receipt, or such other number
of days specified in the transaction
agreements.
1122(d)(2)(ii) Disbursements made via wire transfer on X
behalf of an obligor or to an investor are
made only by authorized personnel.
1122(d)(2)(iii) Advances of funds or guarantees X
regarding collections, cash flows or
distributions, and any interest or other
fees charged for such advances, are made,
reviewed and approved as specified in
the transaction agreements.
1122(d)(2)(iv) The related accounts for the X
transaction, such as cash reserve
accounts or accounts established as a
form of overcollateralization, are
separately maintained (e.g., with respect
to commingling of cash) as set forth in
the transaction agreements.
1122(d)(2)(v) Each custodial account is maintained at X
a federally insured depository
institution as set forth in the
transaction agreements. For purposes of
this criterion, "federally insured
depository institution" with respect to a
foreign financial institution means a
foreign financial institution that meets
the requirements of Rule 13k-1(b)(1) of the
Securities Exchange Act.
1122(d)(2)(vi) Unissued checks are safeguarded so as X
to prevent unauthorized access.
INAPPLICABLE
APPLICABLE SERVICING
SERVICING CRITERIA SERVICING CRITERIA CRITERIA
Performed
by NOT
Vendor(s) performed by
for which GMACM or by
Performed GMACM is subservicer(s)
Directly the or vendor(s)
by Responsible retained by
Reference Criteria GMACM Party GMACM
1122(d)(2)(vii) Reconciliations are prepared on a X
monthly basis for all asset-backed
securities related bank accounts,
including custodial accounts and related
bank clearing accounts. These
reconciliations are (A) mathematically
accurate; (B) prepared within 30
calendar days after the bank statement
cutoff date, or such other number of days
specified in the transaction agreements;
(C) reviewed and approved by someone
other than the person who prepared the
reconciliation; and (D) contain
explanations for reconciling items.
These reconciling items are resolved
within 90 calendar days of their original
identification, or such other number of
days specified in the transaction
agreements.
Investor Remittances and Reporting
1122(d)(3)(i) Reports to investors, including those X
to be filed with the Commission, are
maintained in accordance with the
transaction agreements and applicable
Commission requirements. Specifically,
such reports (A) are prepared in
accordance with timeframes and other
terms set forth in the transaction
agreements; (B) provide information
calculated in accordance with the terms
specified in the transaction agreements;
(C) are filed with the Commission as
required by its rules and regulations;
and (D) agree with the investors' or
trustee's records as to the total unpaid
principal balance and number of pool
assets serviced by the Servicer.
1122(d)(3)(ii) Amounts due to investors are allocated X
and remitted in accordance with
timeframes, distribution priority and
other terms set forth in the transaction
agreements.
1122(d)(3)(iii) Disbursements made to an investor are X
posted within two business days to the
servicer's investor records, or such other
number of days specified in the transaction
agreements.
1122(d)(3)(iv) Amounts remitted to investors per the X
investor reports agree with cancelled
checks, or other form of payment, or
custodial bank statements.
Pool Asset Administration
1122(d)(4)(i) Collateral or security on pool assets X
is maintained as required by the
transaction agreements or related mortgage
loan documents.
1122(d)(4)(ii) pool asset and related documents are X
safeguarded as required by the
transaction agreements.
1122(d)(4)(iii) Any additions, removals or X
substitutions to the asset pool are made,
reviewed and approved in accordance with
any conditions or requirements in the
transaction agreements.
1122(d)(4)(iv) Payments on pool assets, including any X X(1)
payoffs, made in accordance with the related
pool asset documents are posted to the
Servicer's obligor records maintained no
more than two business days after
receipt, or such other number of days
specified in the transaction agreements,
and allocated to principal, interest or
other items (e.g., escrow) in accordance
with the related pool asset documents.
1122(d)(4)(v) The Servicer's records regarding the X
pool assets agree with the Servicer's
records with respect to an obligor's
unpaid principal balance.
INAPPLICABLE
APPLICABLE SERVICING
SERVICING CRITERIA SERVICING CRITERIA CRITERIA
Performed
by NOT
Vendor(s) performed by
for which GMACM or by
Performed GMACM is subservicer(s)
Directly the or vendor(s)
by Responsible retained by
Reference Criteria GMACM Party GMACM
1122(d)(4)(vi) Changes with respect to the terms or X
status of an obligor's pool asset (e.g.,
loan modifications or re-agings) are
made, reviewed and approved by authorized
personnel in accordance with the
transaction agreements and related pool
asset documents.
1122(d)(4)(vii) Loss mitigation or recovery actions X
(e.g., forbearance plans, modifications
and deeds in lieu of foreclosure,
foreclosures and repossessions, as
applicable) are initiated, conducted and
concluded in accordance with
the timeframes or other requirements
established by the transaction
agreements.
1122(d)(4)(viii)Records documenting collection efforts X
are maintained during the period a pool
asset is delinquent in accordance with
the transaction agreements. Such records
are maintained on at least a monthly
basis, or such other period specified in
the transaction agreements, and describe
the entity's activities in monitoring
delinquent pool assets including, for
example, phone calls, letters and
payment rescheduling plans in cases where
delinquency is deemed temporary (e.g.,
illness or unemployment).
1122(d)(4)(ix) Adjustments to interest rates or rates X
of return for pool assets with variable
rates are computed based on the related
pool asset documents.
1122(d)(4)(x) Regarding any funds held in trust for X
an obligor (such as escrow accounts): (A)
such funds are analyzed, in accordance
with the obligor's pool asset documents,
on at least an annual basis, or such
other period specified in the transaction
agreements; (B) interest on such funds is
paid, or credited, to obligors in
accordance with applicable pool asset
documents and state laws; and (C) such
funds are returned to the obligor within
30 calendar days of full repayment of the
related pool asset, or such other number
of days specified in the transaction
agreements.
1122(d)(4)(xi) Payments made on behalf of an obligor X X(2)
(such as tax or insurance payments) are
made on or before the related penalty or
expiration dates, as indicated on the
appropriate bills or notices for such
payments, provided that such support has
been received by the Servicer at least 30
calendar days prior to these dates, or
such other number of days specified in
the transaction agreements.
1122(d)(4)(xii) Any late payment penalties in X
connection with any payment to be made on
behalf of an obligor are paid from the
Servicer's funds and not charged to the
obligor, unless the late payment was due
to the obligor's error or omission.
1122(d)(4)(xiii)Disbursements made on behalf of an X X(2)
obligor are posted within two business
days to the obligor's records maintained
by the Servicer, or such other number of
days specified in the transaction
agreements.
1122(d)(4)(xiv) Delinquencies, charge-offs and X
uncollectible accounts are recognized and
recorded in accordance with the
transaction agreements.
1122(d)(4)(xv) Any external enhancement or other X
support, identified in Item
1114(a)(1) through (3) or Item 1115 of
Regulation AB, is maintained as set
forth in the transaction agreements.
<FN>
(1) A vendor posts cash receipts received via lockbox submission to GMACM's lockbox clearing account.
(2) A vendor provides certain information to GMACM to assist GMACM in making tax and insurance payments on behalf of certain
obligors.
</FN>
(page)
APPENDIX B
2007-EMX1 2007-RS1 2006-KS9 2006-QS5
2007-HI1 2007-RS2 2006-NCl 2006-QS6
2007-HSA1 2007-RZ1 2006-NC2 2006-QS7
2007-HSA2 2007-S1 2006-NC3 2006-QS8
2007-HSA3 2007-S2 2006-QA1 2006-QS9
2007-KS1 2007-S3 2006-QA10 2006-RS1
2007-KS2 2007-S4 2006-QA11 2006-RS2
2007-KS3 2007-S5 2006-QA2 2006-RS3
2007-KS4 2007-S6 2006-QA3 2006-RS4
2007-QA1 2007-S7 2006-QA4 2006-RS5
2007-QA2 2007-S8 2006-QA5 2006-RS6
2007-QA3 2007-S9 2006-QA6 2006-RZ1
2007-QA4 2007-SA1 2006-QA7 2006-RZ2
2007-QA5 2007-SA2 2006-QA8 2006-RZ3
2007-QH1 2007-SA3 2006-QA9 2006-RZ4
2007-QH2 2007-SA4 2006-QH1 2006-RZ5
2007-QH3 2007-SP1 2006-QO1 2006-S1
2007-QH4 2007-SP2 2006-QO10 2006-S10
2007-QH5 2007-SP3 2006-QO2 2006-S11
2007-QH6 2006-EFC1 2006-QO3 2006-S12
2007-QH7 2006-EFC2 2006-QO4 2006-S2
2007-QH8 2006-HI1 2006-QO5 2006-S3
2007-QH9 2006-HI2 2006-QO6 2006-S4
2007-QO1 2006-HI3 2006-QO7 2006-S5
2007-QO2 2006-HI4 2006-QO8 2006-S6
2007-QO3 2006-HI5 2006-QO9 2006-S7
2007-QO4 2006-HSA1 2006-QS1 2006-S8
2007-QO5 2006-HSA2 2006-QS10 2006-S9
2007-QS1 2006-HSA3 2006-QS11 2006-SA1
2007-QS10 2006-HSA4 2006-QS12 2006-SA2
2007-QS11 2006-HSA5 2006-QS13 2006-SA3
2007-QS2 2006-KS1 2006-QS14 2006-SA4
2007-QS3 2006-KS2 2006-QS15 2006-SP1
2007-QS4 2006-KS3 2006-QS16 2006-SP2
2007-QS5 2006-KS4 2006-QS17 2006-SP3
2007-QS6 2006-KS5 2006-QS18 2006-SP4
2007-QS7 2006-KS6 2006-QS2
2007-QS8 2006-KS7 2006-QS3
2007-QS9 2006-KS8 2006-QS4
2007-KS3 2006-HSA2 2006-QO7 2006-S12
2007-KS4 2006-HSA3 2006-QO8 2006-S2
2007-QA1 2006-HSA4 2006-QO9 2006-S3
2007-QA2 2006-HSA5 2006-QS1 2006-S4
2007-QA3 2006-KS1 2006-QS10 2006-S5
2007-QH1 2006-KS2 2006-QS11 2006-S6
2007-QH2 2006-KS3 2006-QS12 2006-S7
2007-QH3 2006-KS4 2006-QS13 2006-S8
2007-QH4 2006-KS5 2006-QS14 2006-S9
2007-QO1 2006-KS6 2006-QS15 2006-SA1
2007-QO2 2006-KS7 2006-QS16 2006-SA2
2007-QO3 2006-KS8 2006-QS17 2006-SP1
(page)
2007-QS1 2006-KS9 2006-QS18 2006-SP2
2007-QS2 2006-NC1 2006-QS2 2006-SP3
2007-QS3 2006-NC2 2006-QS3 2006-SP4
2007-QS4 2006-NC3 2006-QS4 2006-WH1
2007-QS5 2006-QA1 2006-QS5 2006-WH11
2007-QS6 2006-QA10 2006-QS6 2006-QWH8
2007-RS1 2006-QA11 2006-QS7 2006-QWH20
2007-RZ1 2006-QA2 2006-QS8
2007-S1 2006-QA3 2006-QS9
2007-S2 2006-QA4 2006-RS1
2007-S3 2006-QA5 2006-RS2
2007-S4 2006-QA6 2006-RS3
2007-SA1 2006-QA7 2006-RS4
2007-SA2 2006-QA8 2006-RS5
2007-SP1 2006-QA9 2006-RS6
2006-EFC1 2006-QH1 2006-RZ1
2006-EFC2 2006-QO1 2006-RZ2
2007-2N
2007-DBALT-OA1
2007-GSR-AR1
2007-GSR-OA1
2007-HALO-AR2
2007-HV2
2007-HV7
2007-LUM-2
2007-LXS-12N
2007-LXS-15N
2007-LXS-4N LEHMAN
2007-MANA-A2
2007-MANA-AF1
2007-MANA-OAR3
2007-MANA-OAR4
2007-MARM-3
2007-POWH3
2007-SARM-06
2006-BAFC-1
2006-LUM-5
2006-LUM-6
2006-MARM-OA1
2006-MARM-OA2
2006-POWH13
2006-POWH13B
2006-POWH16
2006-POWH16B
2006-POWH17
2006-POWH17B
2006-POWH18
2006-POWH18B
2006-POWH20
2006-POWH21
2006-POWH22
2006-QWH20
2006-QWH8
2006-WH1
2006-WH11
(page)
2006-WH12
2006-WH21
2005-QWH7
SACO 06-1
2006-5
SACO 06-8
SACO 06-6
SACO 06-7
SACO 06-9
SACO 06-9
SACO 06-10
SACO 06-12
SACO 2007-2
BSSLT07-1
BSSLT07-1
BSSLT 2007-2
2006-S1
2006-RF2
SAIL2006-2
2006-3H
LMT 2006-2
2006-GP2
2006-4N
2006-GP1
LXS 2006-7
LXS 2006-8
2006-GP3
LXS 06-10N
2006-ARS1
LXS 06-10N
LXS2006-11
LXS2006-GP4
LXS 06-12N
2006-GEL3
LXS2006-12N
GPMF2006AR4
LXS2006-13
GPMF2006AR5
GPMF2006AR6
LMT 2006-7
2006-GEL4
GPMF2006AR7
GPMF2006AR8
(page)
2007-GEL1
2007-GEL1
GPMF2007AR1
SASCO07-RF1
GPMF2007AR2
2007-GEL2
2007-GEL2
SAS2007-TC1
SASCO07-RF2
SASCO07-RNP1
LXS 06-18N
LXS 2007-4N
LXS 07-15N
BOA-PNC
BOA-PNC
LEHMAN 0705
BV 2007-18
SECURITIES
2007-AR1
BAFC 06-5
SNDVW2006-A
SNDV2007-1
HBVW 06-SB1
BAYVIEW
BAYVIEW
MASD 2007-1
MASD 2007-1
MASTR 07-2
MASTR 07-2
ISAC 2006-5
SAC 2006-3
ISAC 2006-4
CMB 2007-A
MSM 06-10SL
MSM 06-14SL
MSM2007-4SL
BV 2007-1
MSM 06-4SL
NAAC2006AP1
ACE2007HE5
Macquarie 2007-1
GSMPS06RP1
GSR 2006-4F
(page)
2006-1
TCMLT 07-1
DLJMC-WACHO
DLJMC-HUDSO
2006-HE1
MSM 06-2
MSM 06-3AR
MSM 06-5AR
MSM 06-6AR
MSM 06-7
MSM 06-8AR
MSM 06-11
MSM06-12XS
LUM 2006-6
CMLTI07AMC2
MARM 2007-2
DBALT06AB1
DBALT06AR1
GSR 2006-2F
MALT 2006-1
MSM 06-1AR
NAAC2006AR1
BAFC 06-1
BSALTA 06-1
MASD 2006-1
MARP 06-1
ACE2006-SL1
CSMC 2006-1
GSR2006-AR1
NAAC2006S1
MIT 2006-1
BAFC 06-2
GSR 2006-3F
NAAC2006AR2
DBALT06AF1
MASTR 06-1
2006-B
GSR2006-AR2
BSALTA 06-3
PRIME06-CL1
ARMT 2006-2
LUM 2006-4
NAAC2006S2
(page)
DBALTO6AB2
DBALTO6AR2
SAIL 2006-3
BSABSO6SD2
BSARM2006-2
NAAC 06-AF1
NAAC 06-AF1
MASD 2006-2
DBALT06AB3
MALT 2006-3
LUM 2006-5
MASD 2006-2
BSALTA 06-4
BAFC 06-4
2006-S3
MSM 06-9AR
DBALT06AR3
GSMPS2004-4
HBRVW 06-8
NAAC 06-AF2
NAAC 06-AF2
NAAC 06-AF2
MSM07-3XS
GSMPS 06-2
ACE2006-SL4
SASCO 06BC2
MARP 06-2
MSM06-13ARX
MARM 060A2
DBALT06AB4
DBALT06AR4
HBRVW 06-8
2006-AR3
CSMC 2006-8
MSM2007-5AX
DBALT06AR5
MSM06-16AX
MASD 2006-3
MSM06-15XS
HBRVW 06-10
CSMC 2006-9
MASTR 06-3
MASD 2006-03
(page)
2006-AR4
2006-S5
NHELI 06AF1
HBVW2006-14
DBALT06AR6
HBVW2006-13
MSM06-17XS
BAYVW2006-D
BSALTA 06-8
DBALT06OA1
SACO2007-1
MSM2007-1XS
MSM2007-2AX
DBALT07AR1
MALT 2007-1
NAAC 2007S1
NHEL 07-1
NHEL 07-1
DBALT07AR2
DBALT07BAR1
ACE2007SL1
RBSGC2007-B
MARM 2007-2
NAAC 2007-1
MSM07-6XS
DBALT07AR3
BSABS07SD2
DBALT07OA2
SEMT 2007-1
BSSLT07SV1
NAAC 2007S2
HVMLT 07-2
BSSLT07SV1
DBALT07AB1
ASC 2007-S1
BAYVW2007-A
MARM 07-HF1
HVMLT 07-3
HVMLT 07-A
BAFC 2007-3
ACE2007HE4
MSM07-7AX
CG2007-SHL1
(page)
NAAC 2007-1
STAC 2007-1
BSABS07SD3
SEMT 07-02
BAFC 2007-4
DBALT07OA3
HVMLT 07-4
HVMLT 07-4
MHL 2007-1
MSM07-8XS
DBALT 07-2
SEMT 07-4
GSR 2007-4F
DBALT07OA4
MSM07-10XS
MSM07-11AR
MHL 2007-2
DBALT07-1
NAAC 2007-3
NAAC 2007-2
DBALT2007-OA5
MSM07-12
HVMLT07-06
BAYVW2007-B
SEMT 07-03
MARM 07-HF2
ACE2007SL2
BAFC 2007-7
ACE2007SL3
ACE2007SL3
MSM07-13
CSMC 2007-6
HVMLT07-07
DBALT 07-3
MALT 07-HF1
DBALT 07-4
MSM07-14AR
MSM07-15AR
CSMC 2007-7
2006-S4
ASC 2007-OA1
MANA 2007-OAR3
2006-J1
(page)
2006-AR1
2006-AR2
2006-HLTV1
2006-HE1
2006-HE2
2006-HE3
2006-HE4
2006-HE5
2007-HE1
2007-HE2
2007-HE3
(page)
APPENDIX C
1. Certain custodial account reconciliations were not reviewed within timelines
outlined in the GMACM's policies and procedures, as required by criteria
1122 (d)(2)(vii)(C). Certain custodial accounts had reconciling items which
were not resolved within 90 calendar days of original identification, as
required by criteria 1122(d)(2)(vii)(D).