EX-33.13
Wachovia Mortgage Corporation
NC1089
401 South Tryon Street
22nd Floor
Charlotte, NC 28288
(logo) WACHOVIA
Management Assessment
Management of Wachovia Mortgage Corporation (the "Company") is responsible for
assessing compliance with the applicable servicing criteria set forth in Item
1122(d) of Regulation AB of the Securities and Exchange Commission relating to
the servicing of asset-based securities transactions involving first lien
mortgage loans issued on or after January 1, 2006 (the Platform) as of and for
the year ended December 31, 2007, except for servicing criteria 1122(d)(1)(iii),
1122(d)(3)(i)(C), 1122(d)(4)(ii), 1122(d)(4)(xi), 1122(d)(4)(xii),
1122(d)(4)(xiii), and 1122(d)(4)(xv), which the Company has determined are not
applicable to the activities it performs with respect to the Platform. Servicing
criterion 1122(d)(4)(i) is applicable to the activities the Company performs
with respect to the Platform only as it relates to mortgage perfection servicing
activity. With respect to applicable servicing criterion 1122(d)(4)(vi), there
were no activities performed during the year ended December 31, 2007 with
respect to the Platform, because there were no occurrences of events that would
require the Company to perform such activities. With respect to servicing
criteria 1122(d)(2)(i) and 1122(d)(4)(iv), management has engaged a vendor to
perform the activities required by these servicing criteria. The Company's
management has determined that the vendor is not considered a "servicer" as
defined in Item 1101(j) of Regulation AB, and the Company's management has
elected to take responsibility for assessing compliance with the servicing
criteria applicable to the vendor as permitted by Interpretation 17.06 of the
SEC Division of Corporation Finance Manual of Publicly Available Telephone
Interpretations ("Interpretation 17.06"). Management has policies and procedure
in place designed to provide reasonable assurance that the vendor's activities
comply in all material respects with the servicing criteria applicable to the
vendor. The Company's management is solely responsible for determining that it
meets the SEC requirements to apply Interpretation 17.06 for the vendor and
related criteria. Exhibit A identifies the individual asset-backed transactions
defined by management as constituting the Platform.
The Company's management has assessed the effectiveness of the Company's
compliance with the applicable servicing criteria as of and for the period ended
December 31, 2007. In making this assessment, management used the criteria set
forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of
Regulation AB. (Exhibit B)
Based on such assessment, management believes that, as of and for the period
ended December 31, 2007, the Company has complied in all material respects with
the servicing criteria set forth in Item 1122 (d) of Regulation AB of the
Securities and Exchange Commission relating to the servicing of the Platform.
KPMG LLP, a registered public accounting firm, has issued an attestation report
with respect to management's assessment of compliance with the applicable
servicing criteria as of and for the period ended December 31, 2007. (Exhibit
C).
March 24, 2008
/s/ Timothy B. Schuck
Timothy Schuck
Senior Vice-President
3/24/08
Date
(page)
EXHIBIT A
CSMC 2006-1 MSM 2007-11AR
CWMBS 2006-J1 DBALT 2007-1
MSM 2006-2 MSM 2007-12
CSMC 2006-2 DBALT 2007-2
MSM 2006-3AR DBALT 2007-3
MSM 2006-5AR CSMC 2007-6
BSALTA 2006-2 MASTR 2007-1
CSMC 2006-3 MSM 2007-14AR
MSM 2006-6AR MSM 2007-15AR
BSABS I 2006-AC3 CSMC 2007-7
MSM 2006-7 ARMT 2007-3
MSM 2006-8AR 2007-GMACB0704
GSR 2006-5F 2007-GMACB0714
PRIME 2006-1 2007-GMACB0736
GSR 2006-6F RALI SERIES 2006-QS6 TRUST
MALT 2006-3 RALI SERIES 2006-QS10 TRUST
MSM 2006-9AR RALI SERIES 2006-QS11 TRUST
NAAC 2006-AF2 RALI SERIES 2006-QS13 TRUST
CSMC 2006-7 RALI SERIES 2006-QS16 TRUST
GSAA 2006-14 RALI SERIES 2006-QS18 TRUST
MSM 2006-13ARX RAMP SERIES 2006-RS5 TRUST
CSAB 06-2 RFMSI SERIES 2006-S3 TRUST
GSAA 2006-16 RFMSI SERIES 2006-S4 TRUST
CSMC 2006-8 RFMSI SERIES 2006-S6 TRUST
NAAC 2006-AR3 RFMSI SERIES 2006-S7 TRUST
CSMC 2006-9 RFMSI SERIES 2006-S10 TRUST
MSM 2006 17XS RFMSI SERIES 2006-S12 TRUST
NAAC 2006-AR4 RALI SERIES 2007-QS4 TRUST
GSAA 2006-19 RALI SERIES 2007-QS8 TRUST
HALO 2006-2 RALI SERIES 2007-QS10 TRUST
GSAA 2006-20 RALI SERIES 2007-QS11 TRUST
MALT 2007-1 RFMSI SERIES 2007-S4 TRUST
GSAA 2007-1 RFMSI SERIES 2007-S5 TRUST
MSM 2007-1XS RFC SERIES 2007-WH3 TRUST
MSM 2007-2AX RFMSI SERIES 2007-S8 TRUST
MSM 2007-3XS RALI SERIES 2007-QS3 TRUST
MSM 2007-5AX RFMSI SERIES 2007-S2 TRUST
MANA 2007-F1 RFMSI SERIES 2007-S6 TRUST
ARMT 2007-1
MSM 2007-6XS
GSAA 2007-4
PRIME 2007-1
GSAA 2007-5
MSM 2007-7AX
CMLTI 2007-6
GSAA 2007-6
ARMT 2007-2
MSM 2007-10XS
(page)
EXHIBIT B
INAPPLICABLE
APPLICABLE SERVICING
SERVICING CRITERIA SERVICING CRITERIA CRITERIA
Performed Performed
by by
Company Vendor
Reference Criteria
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 mortgage loans 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 mortgage loans 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)(I)
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 Performed
by by
Company Vendor
Reference Criteria
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)(A) Reports to investors, including those X(2)
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;
1122(d)(3)(i)(B) (B) provide information calculated in X(2)
accordance with the terms specified in
the transaction agreements;
1122(d)(3)(i)(C) (C) are filed with the Commission as X
required by its rules and regulations;
and
1122(d)(3)(i)(D) (D) agree with the investors' or the X(2)
trustee's records as to the total unpaid
principal balance and number of mortgage
loans serviced by the Servicer.
1122(d)(3)(ii) Amounts due to investors are allocated X(2)
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(2)
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(2)
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 mortgage loans X(3) X(4)
is maintained as required by the
transaction agreements or related
mortgage loan documents.
1122(d)(4)(ii) Mortgage loan and related documents are X(4)
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 mortgage loans, including any X X(1)
payoffs, made in accordance with the related
mortgage loan 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 mortgage loan documents.
1122(d)(4)(v) The Servicer's records regarding the X
mortgage loans agree with the Servicer's
records with respect to an obligor's
unpaid principal balance.
1122(d)(4)(vi) Changes with respect to the terms or X
status of an obligor's mortgage loans (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.
INAPPLICABLE
APPLICABLE SERVICING
SERVICING CRITERIA SERVICING CRITERIA CRITERIA
Performed Performed
by by
Company Vendor
Reference Criteria
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 mortgage
loan 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 mortgage loans 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 mortgage loans with variable
rates are computed based on the related
mortgage loan 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 mortgage loan 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 mortgage loan
documents and state laws; and (C) such
funds are returned to the obligor within
30 calendar days of full repayment of the
related mortgage loans, or such other number
of days specified in the transaction
agreements.
1122(d)(4)(xi) Payments made on behalf of an obligor X(5)
(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(5)
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(5)
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>
Footnote 1 - Payments on mortgage loans received via a lockbox are collected by
a vendor who deposits the funds into the appropriate custodial bank clearing
account no more than two business days following receipt, or such other number
of days specified in the transaction agreements.
Footnote 2 - Wachovia has determined for purposes of assessing the servicing
criteria listed in Items 1122(d)(3)(i)-(iv) that, pursuant to the Securities and
Exchange Commission Telephone Interpretation 11.03, the term "investor" as used
in those Items pertains to the entity to which Wachovia provides the applicable
information to the Master Servicer or Trustee and does not include certificate
and bondholders. Consequently, the information regarding such Items provided
herein relates to Wachovia's provision of such information to the entity who
ultimately disseminates such information to the investors.
Footnote 3 - The Company did not own the pool assets when they were placed into a
transaction included in the Platform. The Company originated the pool assets in
the Platform and sold the pool assets to third parties servicing retained. These
third parties subsequently securitized the pool assets. As part of the sale
agreement representations and warranties, the Company was responsible for
perfection of the mortgage. Per the servicing activities related to this
criterion, as outlined in SEC Telephone Interpretation 11.04, the Company's
Management Assessment only includes the mortgage perfection servicing activity.
Footnote 4 - The Company did not own the pool asset when it was placed into a
transaction included in the Platform. A third party owner of the pool asset is
responsible for the maintenance and safeguarding of the collateral, security,
mortgage loan and related documents. As such, these criteria are inapplicable
servicing criteria to the Company.
Footnote 5 - The Company has outsourced these servicing criteria to vendors who
are providing their own management assessment of the relevant criteria.
</FN>