EXHIBIT 99.2

                      [PRICEWATERHOUSECOOPERS LETTERHEAD]

                        INDEPENDENT ACCOUNTANT'S REPORT

To the Board of Directors of
GreenPoint Mortgage Funding, Inc.


We have examined management's assertion about GreenPoint Mortgage Funding Inc.'s
("GPMF") compliance with the minimum servicing standards identified 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, 1999
included in the accompanying management assertion.  Management is responsible
for GPMF's compliance with those minimum servicing standards.  Our
responsibility is to express an opinion on management's assertion about the
entity's compliance based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about GPMF's compliance with the minimum
servicing standards 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 GPMF's compliance with the minimum servicing standards.

In our opinion, management's assertion that GPMF complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 1999 is fairly stated, in all material respects.

/s/ PricewaterhouseCoopers LLP

March 29, 2000
Los Angeles, California


                   [GREENPOINT MORTGAGE FUNDING LETTERHEAD]

                             MANAGEMENT ASSERTION


As of and for the period ended December 31, 1999, GreenPoint Mortgage Funding,
Inc. 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,
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GreenPoint Mortgage Funding, Inc. had in effect a fidelity bond and errors and
omissions policy in the amount of $50,000,000 and $20,000,000, respectively.


/s/ Dennis Tussey
-------------------------
Dennis Tussey
Senior Vice President
Loan Administration
March 28, 2000