Exhibit 99.1

                      ACCREDITED MORTGAGE LOAN TRUST 2005-1

                              OFFICER'S CERTIFICATE
               (Section 5.09 of the Sale and Servicing Agreement)


      Pursuant to Section 5.09 of the Sale and Servicing  Agreement  dated as of
February 1, 2005 (the "Agreement"),  by and among ACCREDITED  MORTGAGE LOAN REIT
TRUST, as Seller (the "Seller"),  ACCREDITED HOME LENDERS,  INC., as Sponsor (in
such  capacity,   the  "Sponsor")  and  as  Servicer  (in  such  capacity,   the
"Servicer"), ACCREDITED MORTGAGE LOAN TRUST 2005-1, as Issuer (the "Trust"), and
DEUTSCHE BANK  NATIONAL  TRUST  COMPANY,  as Indenture  Trustee (the  "Indenture
Trustee")  (the  "Agreement"),  James A.  Konrath,  Chairman of the Board of the
Servicer, and Jeffrey W. Crawford,  Assistant Secretary of the Servicer,  hereby
state as follows  (initially  capitalized  terms used  herein and not  otherwise
defined have the same meanings as under the Agreement):

      1. They are the duly elected,  qualified and acting  Chairman of the Board
and Assistant Secretary, respectively, of the Servicer.

      2 A review of the activities of the Servicer during the preceding calendar
year and of its  performance  under  the  Agreement  has been made  under  their
supervision.

      3. To the best of their knowledge,  based on such review, the Servicer has
fulfilled all its obligations under the Agreement throughout such year.

      EXECUTED as of the 15th day of March, 2006.

                                          /s/ James A. Konrath
                                          ------------------------
                                          James A. Konrath
                                          Chairman of the Board



                                          /s/ Jeffrey W. Crawford
                                          -------------------------
                                          Jeffrey W. Crawford
                                          Assistant Secretary