EX-33.2
(logo) Homecomings Financial
A GMAC Company
Certification Regarding Compliance with Applicable Servicing Criteria
1. 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 4-month period ending April
30, 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 Homecomings has agreed to prepare an assessment of
compliance in conformity with Item 1122 of Regulation AB, for which
Homecomings acted as a servicer and involving first and second lien mortgage
loans and home equity loans (the "HFN Primary Servicing Platform") as set
forth in Appendix B hereto.
2. Homecomings 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 Homecomings 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. Homecomings has policies and procedures in place designed
to provide reasonable assurance that the vendors activities comply in all
material respects with the servicing criteria applicable to the vendors;
3. Except as set forth in paragraph 4 below, Homecomings 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 Homecomings based on the activities it
performs, directly or through its Vendors, with respect to the HFN Primary
Servicing Platform;
5. Homecomings has complied, in all material respects, with the applicable
servicing criteria as of April 30, 2007 and for the Reporting Period with
respect to the HFN Primary Servicing Platform taken as a whole, except as
described in Appendix C hereto.
6. Homecomings has not identified and is not aware of any material instance of
noncompliance by the Vendors with the applicable servicing criteria as of
April 30, 2007 and for the Reporting Period with respect to the HFN Primary
Servicing Platform taken as a whole;
7. Homecomings 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 April 30, 2007 and for the Reporting Period with
respect to the HFN Primary Servicing Platform taken as a whole; and
8. PricewaterhouseCoopers LLP, a registered independent public accounting firm,
has issued an attestation report on Homecomings's compliance with the
applicable servicing criteria for the Reporting Period.
March 17, 2008
Homecomings Financial, LLC
By: /s/ Anthony N. Renzi
Name: Anthony N. Renzi
Title: Managing Director
(page)
APPENDIX A
INAPPLICABLE
APPLICABLE SERVICING
SERVICING CRITERIA SERVICING CRITERIA CRITERIA
NOT
Performed by Performed by
Vendor(s) for Homecomings
which or by
Performed Homecomings subservicer(s)
Directly is the or vendor(s)
by Responsible retained by
Reference Criteria Homecomings Party Homecomings
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 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.
X
1122(d)(2)(iv) The related accounts for the
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 Section 240.13k-1(b)(1)
of this chapter.
1122(d)(2)(vi) Unissued checks are safeguarded so as X
to prevent unauthorized access.
INAPPLICABLE
APPLICABLE SERVICING
SERVICING CRITERIA SERVICING CRITERIA CRITERIA
NOT
Performed by Performed by
Vendor(s) for Homecomings
which or by
Performed Homecomings subservicer(s)
Directly is the or vendor(s)
by Responsible retained by
Reference Criteria Homecomings Party Homecomings
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 pool
asset 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 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
NOT
Performed by Performed by
Vendor(s) for Homecomings
which or by
Performed Homecomings subservicer(s)
Directly is the or vendor(s)
by Responsible retained by
Reference Criteria Homecomings Party Homecomings
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
Payments made on behalf of an obligor
(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
this Regulation AB, is maintained as set
forth in the transaction agreements.
<FN>
(1) A vendor posts cash receipts received via lockbox submission to Homecomings'
lockbox clearing account.
(2) A vendor provides certain information to Homecomings to assist Homecomings
in making tax and insurance payments on behalf of certain obligors.
</FN>
(page)
APPENDIX B
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
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
2006-HI1
2006-HI2
2006-HI3
2006-HI4
2006-HI5
2006-HSA1
2006-QO10
2006-QO2
2006-QO3
2006-QO4
2006-QO5
2006-QO6
2006-RZ3
2006-RZ4
2006-RZ5
2006-S1
2006-S10
2006-S11
2006-SA3
2006-SA4
(page)
2007-KS1
2007-KS2
2007-EMX1
2007-HSA2
2007-HSA1
2007-HI1
2007-2N
2007-DBALT-OA1
2007-DBALT-RAMP1
2007-GSR-AR1
2007-GSR-HEL1
2007-HV2
2007-LUM-2
2007-LXS-4N LEHMAN
2007-MANA-A2
2007-SARM-3 LEHMAN
2007-ACE SL1
2007-HALO AR1
2007-MARM1
2007-RFC1 CCM
2006-18N
2006-BAFC6
2006-CMLT1 AAR7
2006-D
2006-DBALT-AF1
2006-GSAA1
2006-GSAMP HE8
2006-GSR-AR2
2006-LUM3
2006-MARM-OA3
2006-RFC1 CCM
2006-BAFC-5
2006-DBALT-AR1
2006-LUM-5
2006-LUM-6
2006-MARM-OA1
2006-MARM-OA2
2006-BAFC-1
2006-POWH13
2006-POWH13B
2006-POWH16B
2006-POWH18B
2006-WH12
2006-HWH10
2006-POWH16
2006-POWH17
2006-POWH17B
2006-POWH18
(page)
2006-HWH17
2003-PTWH18
(page)
APPENDIX C
1. Certain refunds resulting from payoff transactions were not returned to the
obligor within 30 calendar days of full repayment of the related pool asset, as
required by criteria 1122(d)(4)(x)(C).