10-K 1 qs14.txt 2005 QS14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K Annual Report Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934 For the Fiscal year ended December 31, 2005 Commission file number 333-126732-07 RALI Series 2005-QS14 Trust (Issuing Entity) Residential Accredit Loans, Inc. (Depositor) State of Incorporation: Delaware I.R.S. Employer Identification Number: N/A c/o RESIDENTIAL ACCREDIT LOANS, INC. 8400 Normandale Lake Blvd., Suite 250 Minneapolis, Minnesota 55437 Telephone (952) 857-7000 Securities registered pursuant to Section 12(b) of the Act: None Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ____ No X Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act. Yes X No ____ Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter periods that the Registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. Yes X No ____ Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of Registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. X Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. See definition of "accelerated filer and large accelerated filer" in Rule 12b-2 of the Exchange Act. Large accelerated filer ____ Accelerated filer ____ Non-accelerated filer X Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ____ No X State the aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter. Registrant does not have any voting or non-voting common equity. Documents incorporated by reference: None. PART I Item 1. Business. Information not provided pursuant to no action request. Item 1A. Risk Factors. Not applicable. Item 1B. Unresolved Staff Comments. Not applicable. Item 2. Properties. Information not provided pursuant to no action request. Item 3. Legal Proceedings. There are no material pending legal proceedings involving either the Trust Assets or the Trustee, the Depositor, the Custodian, the Master Servicer or any affiliated Servicer with respect to the Trust Assets. Residential Funding Corporation ("RFC") is (a) the Master Servicer, (b) the corporate parent of Homecoming Financial Network, Inc. ("HFN") (a significant Servicer) and (c) an affiliate of the Depositor. RFC and HFN are parties to various legal proceedings arising from time to time in the ordinary course of their businesses, some of which purport to be class actions. Based on information currently available, it is the opinion of RFC and HFN that the eventual outcome of any currently pending legal proceedings will not have a material adverse effect on their ability to perform their obligations in relation to the Trust Assets. However, no assurance can be given that the final outcome of these legal proceedings, if unfavorable, either individually or in the aggregate, would not have a material adverse impact on RFC or HFN. Item 4. Submission of Matters to a Vote of Security Holders. There were no matters submitted to a vote of the Security Holders. PART II Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities. (a) There is no established public trading market for any class of securities (the "Securities") issued by the Issuing Entity. At December 31, 2005, the number of holders of record of the Securities is five. (b) Not applicable. (c) Not applicable. Item 6. Selected Financial Data. Information not provided pursuant to no action request. Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operation. Information not provided pursuant to no action request. Item 7A. Quantitative and Qualitative Disclosures About Market Risk. Not Applicable. Item 8. Financial Statements and Supplementary Data. Information not provided pursuant to no action request. Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure. Not applicable. Item 9A. Controls and Procedures. Not applicable. Item 9B. Other Information. Not applicable. PART III Item 10. Directors and Executive Officers of the Registrant. Information not provided pursuant to no action request. Item 11. Executive Compensation. Information not provided pursuant to no action request. Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters. Information required by Item 201(d) of Regulation S-K is not applicable. Remaining information not provided pursuant to no action request. Item 13. Certain Relationships and Related Transactions. Information not provided pursuant to no action request. Item 14. Principal Accounting Fees and Services. Not applicable. PART IV Item 15. Exhibits, Financial Statement Schedules: (a) Exhibit Exhibit # Certification 31.1 Officer's Annual Compliance Statement of the Master Servicer 99.1 Independent Auditor's Report on the Uniform Single Attestation 99.2 Program for Mortgage Bankers (b) Information not provided pursuant to No Action Request. (c) Information not provided pursuant to No Action Request. SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereto duly authorized, on this 20th day of March, 2006. RALI SERIES 2005-QS14 TRUST RESIDENTIAL ACCREDIT LOANS, INC. By: RESIDENTIAL FUNDING CORPORATION, as Master Servicer By: /s/ Barbara Wendt ------------------------------- Name: Barbara Wendt Title: Managing Director, Master Servicing SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES PURSUANT TO SECTION 12 OF THE ACT The registrant has not sent an annual report or proxy material to security holders. The registrant will not be sending an annual report or proxy material to its security holders subsequent to the filing of this form. EXHIBIT 31.1 CERTIFICATION I, Barbara Wendt, certify that: 1. I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report, of RALI Series 2005-QS14 Trust; 2. Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report; 3. Based on my knowledge, the distribution or servicing information required to be provided to the trustee by the servicer under the pooling and servicing, or similar, agreement, for inclusion in these reports is included in these reports; 4. I am responsible for reviewing the activities performed by the servicer under the pooling and servicing, or similar, agreement and based upon my knowledge and the annual compliance review required under that agreement, and except as disclosed in the reports, the servicer has fulfilled its obligations under that agreement; and 5. The reports disclose all significant deficiencies relating to the servicer's compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set forth in the pooling and servicing, or similar, agreement, that is included in these reports. In giving the certifications above, I have reasonably relied on information provided to me by the unaffiliated parties: Suntrust Mortgage, Inc., Ulster Savings Bank, Wachovia Mortgage Corp., Colonial Savings, F.A., National City Mortgage Company, Downey Savings & Loan Association, F.A., GMAC Mortgage Corporation, Provident Funding Associates, L.P., Home Financing Center, Inc., Wachovia Bank N.A., HSBC Mortgage Corporation (USA) and PHH Mortgage Corporation. Date: March 20, 2006 /s/ Barbara Wendt Barbara Wendt Managing Director, Master Servicing EXHIBIT 99.1 [LETTERHEAD OF GMAC RFC] 2005 ANNUAL STATEMENT OF COMPLIANCE CERTIFICATE Pursuant to the governing documents including but not limited to various Pooling and Servicing Agreements and Sales and Servicing Agreement ("the Agreements"), where Residential Funding Corporation ("the Master Servicer") has been appointed Master Servicer, an annual statement of compliance is required to be delivered to either the Trustee or the Investor. The undersigned Managing Director and Director of Residential Funding Corporation hereby certify that: (i) a review of the activities of the Master Servicer during the preceding calendar year has been conducted, and the performance of duties outlined in the Agreements has been made under the undersigned officers' supervision; (ii) to the best of the undersigned officers' knowledge, based on the aforementioned review, the Master Servicer has complied with the minimum servicing standards set forth in the USAP for Mortgage Bankers, and has fulfilled all of its material obligations relating to the Agreements in all material respects throughout such year; and (iii) to the best of the undersigned officers' knowledge, each Subservicer has complied with the minimum servicing standards set forth in the USAP for Mortgage Bankers, and has fulfilled all of its material obligations relating to the Agreements in all material respects throughout such year. Dated: March 15, 2006 /s/ Barbara Wendt Barbara Wendt Managing Director, Master Servicing /s/ Darsi Meyer Darsi Meyer Director, Securities Administration EXHIBIT 99.2 [LETTERHEAD PRICEWATERHOUSECOOPERS] REPORT OF INDEPENDENT ACCOUNTANTS To the Board of Directors and Stockholder of Residential Funding Corporation: We have examined management's assertion about Residential Funding Corporation's (the "Company") compliance with the minimum servicing standards identified in their role as Master Servicer as of and for the year ended December 31, 2005, included in the accompanying management assertion (see Exhibit 1). Such assertion was examined relating to those mortgage loans included in the listing of mortgage loans and series of certificates included in the attached Exhibit 2. Direct servicing functions are performed by various primary servicers and subservicers. Management is responsible for the Company's compliance with these minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination. Our examination was made in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. Loans and series of certificates subject to such procedures were selected using sampling methods, and accordingly, we make no representation that our examination procedures were performed on a specific series of loans or certificates as listed in the attached Exhibit 2. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the minimum servicing standards. In our opinion, management's assertion that the Company complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects. /s/ PricewaterhouseCoopers LLP March 10, 2006 EXHIBIT 1 [LETTERHEAD GMAC RFC] MANAGEMENT'S ASSERTION CONCERNING COMPLIANCE WITH USAP MINIMUM SERVICING STANDARDS March 10, 2006 As of and for the year ended December 31, 2005, Residential Funding Corporation (the "Company") has complied in all material respects with our minimum servicing standards set forth below for those loans serviced for others under master servicing arrangements. Direct servicing functions are performed by various primary servicers and subservicers. Our minimum standards are: I. CUSTODIAL BANK ACCOUNTS A. Reconciliations shall be prepared on a monthly basis for all custodial bank accounts and related bank clearing accounts. These reconciliations shall: 1) Be mathematically accurate. 2) Be prepared within thirty (30) calendar days after the cutoff date. 3) Be reviewed and approved by someone other than the person who prepared the reconciliation, and document explanation for reconciling items. 4) These reconciling items shall be resolved within ninety (90) calendar days of their original identification. B. Each custodial and escrow account as maintained by the master servicer and subservicer shall be maintained in an eligible account in trust for the applicable certificateholders as prescribed by applicable pooling and servicing agreements. C. Funds shall be advanced by the master servicer, the primary servicer or the subservicer, as required by applicable pooling and servicing agreements in accordance with the amortization schedule of each mortgage loan, or for overdrafts in the mortgagers escrow accounts. II. SUBSERVICER REMITTANCES A. Remittances for mortgage payments and payoffs received from primary servicers or subservicers shall be deposited into the applicable investor custodial bank account within one business day of receipt. B. Remittances from primary servicers or subservicers shall be reconciled to applicable mortgager records during the appropriate accounting cycle. C. Reconciliations shall be performed monthly for each primary servicer and subservicer remittance. These reconciliations shall: 1) Be mathematically accurate. 2) Be prepared within thirty (30) calendar days after the cutoff date. III. DISBURSEMENTS A. Disbursements to investors shall be made in accordance with the applicable pooling and servicing agreements and/or the prospectus indicating how cash flows are to be allocated. B. Amounts remitted to investors per our investor reports shall agree with the custodial bank statements. C. Only permitted withdrawals per the applicable pooling and servicing agreements shall be made from the custodial accounts for certificateholders. D. Disbursements of investor funds from custodial accounts via wire transfer shall be made only by authorized personnel. IV. INVESTOR ACCOUNTING AND REPORTING A. Statements to the certificateholders shall be made with each monthly distribution in accordance with applicable pooling and servicing agreements detailing the applicable distribution activity and effect on the unpaid principal balance of the mortgage loans. V. MORTGAGOR ACCOUNTING A. Uniform Single Attestation Program reports from external primary servicers or subservicers will be obtained and reviewed to provide a basis in meeting our minimum servicing standards. B. Mortgage loan records shall agree with, or reconcile to, the mortgage loan records maintained by the primary servicers or subservicers with respect to unpaid principal balance on a monthly basis. VI. DELINQUENCIES A. Reports from primary servicers and subservicers identifying delinquent loans shall be received and reviewed monthly. Reports shall be made with each distribution to certificateholders as to the number and aggregate principal balances of delinquent mortgage loans, based on the most recent reports furnished by the primary servicers and subservicers. VII. INSURANCE POLICIES A. As of and for this same period, the Company had in effect a fidelity bond in the amount of $300,000,000 and a mortgage impairment/mortgages errors and omissions and professional liability insurance policy in the amount of $100,000,000. /s/ Bruce Paradis ------------------------------------------------------- Bruce Paradis Residential Funding Corporation President & Managing Director /s/ Ken Duncan ------------------------------------------------------- Ken Duncan Residential Funding Corporation Chief Financial Officer & Managing Director /s/ Barb Wendt ------------------------------------------------------- Barb Wendt Residential Funding Corporation Managing Director EXHIBIT 2 RESIDENTIAL FUNDING CORPORATION DECEMBER 31, 2005 EXHIBIT 2 -------------------------------------------------------------------------------- 1985 SERIES 1985 MS-ASL (1014) 1985 MS-ASL (1038) 1985 MS-ASL (1052) 1985 MS-ASL (1059) 1986 SERIES NYCF 1986-A 1987 SERIES 1987-WH2 NYCF 1987-A 1988 SERIES 1988-SBRC WH1 NYCF 1988-A 1990 SERIES NYCF 1990-A 1993 SERIES 1993-WH2 1993-WH15C 1994 SERIES 1994-WH21 1994-WH4B 1994-WH16D 1995 SERIES 1995-HWH1 1995-HWH2 1995-HWH3 1995-HWH4 1995-HWH5 1995-WH5 1995-WH12 1995-WH13 1995-WH14 1995-WH15 1995-WH18 1996 SERIES 1996-SW1A 1996-SW1B 1996-SW1C 1996-SW1D 1996-WH5 1996-WH7 1996-WH10 1996-WH18 1996-WH19 1997 SERIES 1997-2 1997-NWH1 1997-NWH3 1997-NWH6 1997-NWH9 1997-WH11 1997-WH14 1997-WH15 1998 SERIES 1998-B (1999-A) 1998-HI2 1998-HI4 1998-HWH1 1998-HWH2 1998-HWH3 1998-HWH5 1998-NWH2 1998-NWH4 1998-NWH8 1998-QWH1 1998-QWH2B 1998-RS1 1998-WH4 1998-WH8 1998-WH9 I 1998-WH9 II 1998-WH10 1999 SERIES 1999-HI1 1999-HI4 1999-HI6 1999-HI8 1999-HWH1 1999-HWH2 1999-HWH5 1999-KS3 1999-KS4 1999-NWH1 1999-NWH2 1999-NWH3 1999-NWH4 1999-NWH5 1999-QS4 1999-RS1 1999-WH2 1999-WH5 1999-WH12 1999-WH14 2000 SERIES 2000-HI1 2000-HI2 2000-HI3 2000-HI4 2000-HI5 2000-HL1 2000-HWH2 2000-HWH3 2000-HWH6 2000-HWH10 2000-HWH11 2000-KS1 2000-KS2 2000-KS3 2000-KS4 2000-KS5 2000-NWH1 2000-NWH3 2000-NWH6 2000-PTWH2 2000-PTWH3 2000-QWH1 2000-RS4 2000-RZ1 2000-WH4 2000-WH11 2001 SERIES 2001-CWH1 2001-HI1 2001-HI2 2001-HI3 2001-HI4 2001-HS2 2001-HS3 2001-KS1 2001-KS2 2001-KS3 2001-KS4 2001-MWH1 2001-NWH1 2001-NWH3 2001-NWH5 2001-NWH9 2001-NWH12 2001-PTWH4 2001-PTWH6 2001-PTWH7 2001-PTWH8 2001-PTWH10 2001-PTWH11 2001-PTWH12 2001-PTWH14 2001-PTWH16 2001-PTWH17 2001-PTWH18 2001-PTWH19 2001-QS13 2001-QS16 2001-QS17 2001-QS18 2001-QS19 2001-RM2 2001-RS1 2001-RS2 2001-RS3 2001-WH3 2001-WH9 2001-WH12 2001-WH14 2002 SERIES 2002-HI1 2002-HI2 2002-HI3 2002-HI4 2002-HI5 2002-HS1 2002-HS2 2002-HS3 2002-HWH4 2002-KS1 2002-KS2 2002-KS3 2002-KS4 2002-KS5 2002-KS6 2002-KS7 2002-KS8 2002-NWH1 2002-NWH2 2002-NWH3 2002-NWH4 2002-PTWH1 2002-PTWH4 2002-PTWH5 2002-PTWH7 2002-PTWH9 2002-PTWH10 2002-PTWH13 2002-PTWH15 2002-PTWH16 2002-PTWH19 2002-PTWH20 2002-PTWH21 2002-PTWH24 2002-PTWH28 2002-PTWH31 2002-PTWH33 2002-PTWH35 2002-PTWH36 2002-PTWH40 2002-PTWH41 2002-PTWH42 2002-PTWH44 2002-PTWH45 2002-PTWH46 2002-PTWH47 2002-QS1 2002-QS2 2002-QS3 2002-QS4 2002-QS5 2002-QS6 2002-QS7 2002-QS8 2002-QS9 2002-QS10 2002-QS11 2002-QS12 2002-QS13 2002-QS14 2002-QS15 2002-QS16 2002-QS17 2002-QS18 2002-QS19 2002-RM1 2002-RP1 2002-RP2 2002-RS1 2002-RS2 2002-RS3 2002-RS4 2002-RS5 2002-RS6 2002-RS7 2002-RZ1 2002-RZ2 2002-RZ3 2002-RZ4 2002-S11 2002-S12 2002-S13 2002-S14 2002-S15 2002-S16 2002-S17 2002-S18 2002-S19 2002-S20 2002-SL1 2002-WH1 2002-WH5 2002-WH14 2002-WH17 2002-WH18 2002-WH19 2002-WH21 2002-WH22 2002-WH25 2002-WH26 2002-WH27 2002-WH28 2002-WH29 2002-WH31 2002-WH32 2002-WH33 2002-WH34 2003 SERIES 2003-HI1 2003-HI2 2003-HI3 2003-HI4 2003-HS1 2003-HS2 2003-HS3 2003-HS4 2003-HWH1 2003-KS1 2003-KS2 2003-KS3 2003-KS4 2003-KS5 2003-KS6 2003-KS7 2003-KS8 2003-KS9 2003-KS10 2003-KS11 2003-NWH1 2003-NWH2 2003-PTWH1 2003-PTWH4 2003-PTWH8 2003-PTWH9 2003-PTWH11 2003-PTWH12 2003-PTWH13 2003-PTWH14 2003-PTWH15 2003-PTWH17 2003-PTWH18 2003-PTWH19 2003-PTWH20 2003-PTWH21 2003-PTWH24 2003-PTWH25 2003-PTWH26 2003-PTWH27 2003-PTWH28 2003-PTWH29 2003-QA1 2003-QR13 2003-QR19 2003-QR24 2003-QS1 2003-QS2 2003-QS3 2003-QS4 2003-QS5 2003-QS6 2003-QS7 2003-QS8 2003-QS9 2003-QS10 2003-QS11 2003-QS12 2003-QS13 2003-QS14 2003-QS15 2003-QS16 2003-QS17 2003-QS18 2003-QS19 2003-QS20 2003-QS21 2003-QS22 2003-QS23 2003-RM1 2003-RM2 2003-RP1 2003-RP2 2003-RS1 2003-RS10 2003-RS11 2003-RS2 2003-RS3 2003-RS4 2003-RS5 2003-RS6 2003-RS7 2003-RS8 2003-RS9 2003-RZ1 2003-RZ2 2003-RZ3 2003-RZ4 2003-RZ5 2003-S1 2003-S2 2003-S3 2003-S4 2003-S5 2003-S6 2003-S7 2003-S8 2003-S9 2003-S10 2003-S11 2003-S12 2003-S13 2003-S14 2003-S15 2003-S16 2003-S17 2003-S18 2003-S19 2003-S20 2003-SL1 2003-WH1 2003-WH2 2003-WH3 2003-WH4 2003-WH5 2003-WH6 2003-WH7 2003-WH8 2003-WH9 2003-WH102003-WH11 2003-WH12 2003-WH13 2003-WH14 2003-WH15 2003-WH16 2003-WH17 2003-WH18 2003-WH19 2003-WH20 2003-WH21 2003-WH22 2003-WH23 2003-WH24 2003-WH25 2003-WH26 2003-WH27 2003-WH28 2003-WH29 2003-WH30 2003-WH31 2003-WH32 2003-WH33 2003-WH34 2003-WH35 2003-WH36 2003-WH37 2003-WH38 2003-WH39 NIM 2003-NT1 NIM 2003-NT3 NIM 2003-NT7 NIM 2003-NT8 2004 SERIES 2004-C1 2004-C2 2004-HI1 2004-HI2 2004-HI3 2004-HS1 2004-HS2 2004-HS3 2004-KR1 2004-KR2 2004-KS1 2004-KS2 2004-KS3 2004-KS4 2004-KS5 2004-KS6 2004-KS7 2004-KS8 2004-KS9 2004-KS10 2004-KS11 2004-KS12 2004-NWH1 2004-NWH2 2004-PS1 2004-PTWH2 2004-PTWH3 2004-PTWH5 2004-PTWH62004-PTWH7 2004-PTWH8 2004-PTWH9 2004-PTWH10 2004-PTWH12 2004-PTWH13 2004-QA1 2004-QA2 2004-QA3 2004-QA4 2004-QA5 2004-QA6 2004-QR1 2004-QS1 2004-QS2 2004-QS3 2004-QS4 2004-QS5 2004-QS6 2004-QS7 2004-QS8 2004-QS9 2004-QS10 2004-QS11 2004-QS12 2004-QS13 2004-QS14 2004-QS15 2004-QS16 2004-QWH1 2004-QWH2 2004-QWH3 2004-QWH4 2004-QWH5 2004-QWH6 2004-RP1 2004-RS1 2004-RS2 2004-RS3 2004-RS4 2004-RS5 2004-RS6 2004-RS7 2004-RS8 2004-RS9 2004-RS10 2004-RS11 2004-RS12 2004-RZ1 2004-RZ2 2004-RZ3 2004-RZ4 2004-S1 2004-S2 2004-S3 2004-S4 2004-S5 2004-S6 2004-S7 2004-S8 2004-S9 2004-SA1 2004-SL1 2004-SL2 2004-SL3 2004-SL4 2004-SP1 2004-SP2 2004-SP3 2004-SR1 2004-WH1 2004-WH2 2004-WH3 2004-WH4 2004-WH5 2004-WH6 2004-WH7 2004-WH8 2004-WH9 2004-WH10 2004-WH11 2004-WH12 2004-WH13 2004-WH14 2004-WH16 2004-WH17 2004-WH18 2004-WH19 2004-WH20 2004-WH21 2004-WH22 2004-WH24 BSSP 2004-KS10A BSSP 2004-KS10B NIM 2004-NT1 NIM 2004-NT2 NIM 2004-NT3 NIM 2004-NT4 NIM 2004-NT5 NIM 2004-NT6 NIM 2004-NT7 NIM 2004-NT8 NIM 2004-NT11 NIM 2004-NT12 2005 SERIES 2005-AHL1 2005-AHL2 2005-AHL3 2005-C3 2005-EFC1 2005-EFC2 2005-EFC3 2005-EFC4 2005-EFC5 2005-EFC6 2005-EMX1 2005-EMX2 2005-EMX3 2005-EMX4 2005-GMACB0501 2005-GMACB0502 2005-GMACB0503 2005-HI1 2005-HI2 2005-HI3 2005-HS1 2005-HS2 2005-HWH1 2005-HWH6 2005-HWH7 2005-HWH8 2005-HWH10 2005-HWH11 2005-HWH12 2005-KS1 2005-KS2 2005-KS3 2005-KS4 2005-KS5 2005-KS6 2005-KS7 2005-KS8 2005-KS9 2005-KS10 2005-KS11 2005-NM2 2005-NM4 2005-NM5 2005-NWH1 2005-NWH2 2005-POWH2 2005-POWH3 2005-QA1 2005-QA2 2005-QA3 2005-QA4 2005-QA5 2005-QA6 2005-QA7 2005-QA8 2005-QA9 2005-QA10 2005-QA11 2005-QA12 2005-QO1 2005-QO2 2005-QO3 2005-QO4 2005-QR1 2005-QS1 2005-QS2 2005-QS3 2005-QS4 2005-QS5 2005-QS6 2005-QS7 2005-QS8 2005-QS9 2005-QS10 2005-QS11 2005-QS12 2005-QS13 2005-QS14 2005-QS15 2005-QS16 2005-QWH1 2005-QWH2 2005-QWH7 2005-QWH8 2005-QWH12 2005-RP1 2005-RP2 2005-RP3 2005-RS1 2005-RS2 2005-RS3 2005-RS4 2005-RS5 2005-RS6 2005-RS7 2005-RS8 2005-RS9 2005-RZ1 2005-RZ2 2005-RZ3 2005-RZ4 2005-S1 2005-S2 2005-S3 2005-S4 2005-S5 2005-S6 2005-S7 2005-S8 2005-SA1 2005-SA2 2005-SA3 2005-SA4 2005-SA5 2005-SL1 2005-SL2 2005-SP1 2005-SP2 2005-WH1 2005-WH3 2005-WH4 2005-WH6 2005-WH8 2005-WH9 2005-WH10 2005-WH11 2005-WH12 2005-WH13 2005-WH15 2005-WH16 2005-WH18 2005-WH19 2005-WH20 2005-WH21 2005-WH23 2005-WH24 2005-WH25A 2005-WH25B 2005-WH26 2005-WH27 2005-WH28A 2005-WH28B 2005-WH29 2005-WH30 GCM Residual Facility NIM 2005-NM3 NIM 2005-NS1 NIM 2005-NT1 NIM 2005-NT2 NIM 2005-NTR1 NIM ABSC (2005-KS4) NIM SB Finance 2005-KS6N NIM Soundview (2005-KS3)