Wells Fargo Mortgage Backed Securities 2006-15 Trust – ‘10-K’ for 12/31/06

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Annual Report   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                         40±   173K 

Document Table of Contents

           UNITED STATES
            SECURITIES AND EXCHANGE COMMISSION
            WASHINGTON, D.C. 20549

             FORM 10-K

(Mark one)                                                                  

/X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES         
EXCHANGE ACT OF 1934                                                
For the fiscal year ended December 31, 2006                         

OR                                                                  

/ / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES     
EXCHANGE ACT OF 1934                                                

Commission file number:  333-129159-29                            

Wells Fargo Mortgage Backed Securities 2006-15 Trust              
(exact name of issuing entity as specified in its charter)        

Wells Fargo Asset Securities Corporation                          
(exact name of the depositor as specified in its charter)         

Wells Fargo Bank, N.A.                                            
(exact name of the sponsor as specified in its charter)           

New York                                          51-0611742                
(State or other jurisdiction of                   (I.R.S. Employer          
incorporation or organization)                    Identification No.)       

c/o Wells Fargo Bank, N.A.                                                
9062 Old Annapolis Road                                                   
Columbia, MD                                21045                         
(Address of principal executive offices)    (Zip Code)                      

Registrant's telephone number, including area code: (410) 884-2000          

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 Act.                         

Yes  ___     No  X                                              

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 period      
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 ( 229.405 of this chapter) 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.           

Not applicable.                                                 

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. (Check one):                                                  

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 Act).                                          

Yes  ___     No  X                                              

State the aggregate market value of the voting and non-voting common        
equity held by non-affiliates 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.                                   

Not applicable.                                                 

Documents Incorporated by Reference                                   

List hereunder the following documents if incorporated by reference and     
the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the      
document is incorporated: (1)Any annual report to security holders; (2)     
Any proxy or information statement; and (3)Any prospectus filed pursuant    
to Rule 424(b) or (c) under the Securities Act of 1933. The listed          
documents should be clearly described for identification purposes (e.g.,    
annual report to security holders for fiscal year ended December 24, 1980). 

Not applicable.                                                 

PART I    
Item 1.  Business.                                                          

Omitted.                                                

Item 1A.  Risk Factors.                                                     

Omitted.                                                

Item 1B.  Unresolved Staff Comments.                                        

None.                                                   

Item 2.  Properties.                                                        

Omitted.                                                

Item 3.  Legal Proceedings.                                                 

Omitted.                                                

Item 4.  Submission of Matters to a Vote of Security Holders.               

Omitted.                                                

PART II         

Item 5. Market for Registrants Common Equity, Related Stockholder           
Matters and Issuer Purchases of Equity Securities.          

Omitted.                                                

Item 6.  Selected Financial Data.                                           

Omitted.                                                

Item 7.  Management's Discussion and Analysis of Financial Condition and    
Results of Operations.                                    

Omitted.                                                

Item 7A. Quantitative and Qualitative Disclosures About Market Risk.        

Omitted.                                                

Item 8.  Financial Statements and Supplementary Data.                       

Omitted.                                                

Item 9.  Changes in and Disagreements With Accountants on Accounting and    
Financial Disclosure.                                     

Omitted.                                                

Item 9A. Controls and Procedures.                                           

Omitted.                                                

Item 9A(T). Controls and Procedures.                                        

Omitted.                                                

Item 9B. Other Information.                                                 

None.                                                   

PART III        

Item 10. Directors, Executive Officers and Corporate Governance.            

Omitted.                                                

Item 11. Executive Compensation.                                            

Omitted.                                                

Item 12. Security Ownership of Certain Beneficial Owners and                
Management and Related Stockholder Matters.               

Omitted.                                                

Item 13. Certain Relationships and Related Transactions, and Director       
Independence.                                             

Omitted.                                                

Item 14. Principal Accounting Fees and Services.                            

Omitted.                                                

ADDITIONAL DISCLOSURE ITEMS FOR REGULATION AB   

Item 1112(b) of Regulation AB, Significant Obligor Financial Information.   

          No single obligor represents more than 10% of the pool assets held
by this transaction.                                    

Item 1114(b)(2) and 1115(b) of Regulation AB, Significant Enhancement       
Provider Financial Information.                       

       No entity or group of affiliated entities provides any external
            credit enhancement, uses any derivative instruments or other support
for the certificates within this transaction.           

Item 1117 of Regulation AB, Legal Proceedings.                              

     The registrant knows of no material pending legal proceedings
        involving the Trust and all parties related to such Trust, other
            than routine litigation incidental to the duties of those respective
parties.                                                

Item 1119 of Regulation AB, Affiliations and Certain Relationships and      
Related Transactions.                                 

None.                                                   

Item 1122 of Regulation AB, Compliance with Applicable Servicing Criteria.  

           The servicing criteria have been completed within the manner stated
         in the governing documents and are attached hereto under Item 15.

      The 1122 statements for Wells Fargo Bank, National Association
            (Corporate Trust Services) has disclosed material noncompliance with
        criterion 1122(d)(3)(i), as applicable to the Company during the
          twelve months ended December 31, 2006. Certain monthly investor or
        remittance reports included errors in the calculation and/or the
reporting of delinquencies for the pool assets.         

     The 1122 statements for Wells Fargo Bank, N.A. (servicer) has
        disclosed the following instances of material noncompliance with
            certain servicing criteria applicable to the Company during the year
ended December 31, 2006:                                

       1. 1122(d)(3)(i) - Delinquency Reporting - The Company provided
        incomplete data to some third parties who use such data to
            calculate delinquency ratios and determine the status of loans
           with respect to bankruptcy, foreclosure or real estate owned.
      Instead of the actual due date being provided for use in
             calculating delinquencies, the date of the first payment due to
the security was provided.                        

      2. 1122(d)(4)(vii) - Notification of Intent to Foreclose - The
           Company, as required by certain servicing agreements, did not
    provide investors with prior notification of intent to
foreclose.                                        

     Although each servicing criterion required by Item 1122(d) of
       Regulation AB is addressed in one or more of the Assessments of
          Compliance with Servicing Criteria and related Attestation Reports
           included with this report, the Custodian's, Wells Fargo Bank NA (as
           Custodian), Assessment of Compliance and related Attestation Report
         did not address each of the servicing criteria that the Custodian
        was required to address under the terms of the related Servicing
        Agreement because the Custodian asserts that those items are not
applicable to the Custodian.                            

     Although each servicing criterion required by Item 1122(d) of
       Regulation AB is addressed in one or more of the Assessments of
          Compliance with Servicing Criteria and related Attestation Reports
   included with this report, the Trustee's, HSBC Bank USA NA,
       Assessment of Compliance and related Attestation Report did not
            address each of the servicing criteria that the Trustee was required
     to address under the terms of the related Servicing Agreement
       because the Trustee asserts that those items are not applicable
to the Trustee.                                         

Item 1123 of Regulation AB, Servicer Compliance Statement.                  

         The servicer compliance statements have been completed within the
        manner stated in the governing documents and are attached hereto
under Item 15.                                          

PART IV         

Item 15. Exhibits, Financial Statement Schedules.                           

(a) Exhibits                                                              

(4.1) Pooling and Servicing Agreement, dated as of October 30, 2006,      
    incorporated by reference from Exhibit 4.1 of the issuing entity's
   Current Report on Form 8-K filed with the Securities and Exchange
Commission on November 14, 2006.                              

 (10.1) Servicing Agreement, dated October 30, 2006, incorporated by reference
      from Exhibit 10.1 of the issuing entity's Current Report on Form 8-K
         filed with the Securities and Exchange Commission on November 14, 2006.

 (10.2) Mortgage Loan Purchase Agreement, dated October 30, 2006, incorporated
       by reference from Exhibit 10.2 of the issuing entity's Current Report
  on Form 8-K filed with the Securities and Exchange Commission on
November 14, 2006.                                            

(31) Rule 13a-14(d)/15d-14(d) Certifications.                           

(33) Reports on assessment of compliance with servicing criteria for    
asset-backed securities.                                      

                                                              [Enlarge/Download Table]
                                                                                        

                                                                                        
a) Arvest Mortgage Company, as Servicer <F2>                                            
b) CitiMortgage, Inc., as Servicer <F2>                                                 
c) HSBC Bank USA, National Association, as Trustee <F1>                                 
d) LandAmerica Tax and Flood Services as Sub-Contractor for Arvest Mortgage Company <F2>
e) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A. <F1>                  
f) Wells Fargo Bank, N.A., as Servicer <F1>                                             
g) Wells Fargo Bank, N.A., as Master Servicer <F1>                                      
h) Wells Fargo Bank, N.A., as Custodian <F1>                                            
i) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A. <F1> 

                                                                          
(34) Attestation reports on assessment of compliance with servicing   
criteria for asset-backed securities.                       

                                                              [Enlarge/Download Table]
                                                                                        

                                                                                        
a) Arvest Mortgage Company, as Servicer <F2>                                            
b) CitiMortgage, Inc., as Servicer <F2>                                                 
c) HSBC Bank USA, National Association, as Trustee <F1>                                 
d) LandAmerica Tax and Flood Services as Sub-Contractor for Arvest Mortgage Company <F2>
e) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A. <F1>                  
f) Wells Fargo Bank, N.A., as Servicer <F1>                                             
g) Wells Fargo Bank, N.A., as Master Servicer <F1>                                      
h) Wells Fargo Bank, N.A., as Custodian <F1>                                            
i) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A. <F1> 

                                                                          
(35) Servicer compliance statement.                                   

                                                              [Enlarge/Download Table]
                                                                                        

                                                                                        
a) Arvest Mortgage Company, as Servicer <F3>                                            
b) CitiMortgage, Inc., as Servicer <F3>                                                 
c) HSBC Bank USA, National Association, as Trustee <F4>                                 
d) LandAmerica Tax and Flood Services as Sub-Contractor for Arvest Mortgage Company <F4>
e) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A. <F4>                  
f) Wells Fargo Bank, N.A., as Servicer <F1>                                             
g) Wells Fargo Bank, N.A., as Master Servicer <F1>                                      
h) Wells Fargo Bank, N.A., as Custodian <F4>                                            
i) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A. <F4> 

                                                                          
(b) Not applicable.                                                       

(c) Omitted.                                                              

<F1> Filed herewith.                                                        

<F2> The Servicing Participant serviced less than 5% of the deal and is     
not required under Regulation AB to provide such documentation.   

<F3> The Servicing Participant serviced less than 10% of the deal and is    
not required under Regulation AB to provide such documentation.   

  <F4> The Servicing Participant of the deal is not required under Regulation AB
to provide such documentation.                                    

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, thereunto duly authorized.         

Wells Fargo Mortgage Backed Securities 2006-15 Trust                    
(Issuing Entity)                                                        

Wells Fargo Bank, N.A.                                                  
(Master Servicer)                                                       

/s/ Joshua Kelly                                                        
Joshua Kelly, Vice President                                            

Date:      March 28, 2007                                               

Exhibit Index                                                               

Exhibit No.                                                                 

(4.1) Pooling and Servicing Agreement, dated as of October 30, 2006,      
    incorporated by reference from Exhibit 4.1 of the issuing entity's
   Current Report on Form 8-K filed with the Securities and Exchange
Commission on November 14, 2006.                              

 (10.1) Servicing Agreement, dated October 30, 2006, incorporated by reference
      from Exhibit 10.1 of the issuing entity's Current Report on Form 8-K
         filed with the Securities and Exchange Commission on November 14, 2006.

 (10.2) Mortgage Loan Purchase Agreement, dated October 30, 2006, incorporated
       by reference from Exhibit 10.2 of the issuing entity's Current Report
  on Form 8-K filed with the Securities and Exchange Commission on
November 14, 2006.                                            

(31) Rule 13a-14(d)/15d-14(d) Certifications.                           

(33) Reports on assessment of compliance with servicing criteria for    
asset-backed securities.                                      

                                                                      [Download Table]
                                                                                  

                                                                                  
c) HSBC Bank USA, National Association, as Trustee                                
e) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A.                 
f) Wells Fargo Bank, N.A., as Servicer                                            
g) Wells Fargo Bank, N.A., as Master Servicer                                     
h) Wells Fargo Bank, N.A., as Custodian                                           
i) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A.

                                                                          
(34) Attestation reports on assessment of compliance with servicing   
criteria for asset-backed securities.                       

                                                                      [Download Table]
                                                                                  

                                                                                  
c) HSBC Bank USA, National Association, as Trustee                                
e) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A.                 
f) Wells Fargo Bank, N.A., as Servicer                                            
g) Wells Fargo Bank, N.A., as Master Servicer                                     
h) Wells Fargo Bank, N.A., as Custodian                                           
i) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A.

                                                                          
(35) Servicer compliance statement.                                   

                                                                      [Download Table]
                                             

                                             
f) Wells Fargo Bank, N.A., as Servicer       
g) Wells Fargo Bank, N.A., as Master Servicer

                                                                          
EX-31 Rule 13a-14(d)/15d-14(d) Certifications                               

Wells Fargo Asset Securities Corporation                                    
Mortgage Pass-Through Certificates,                                         
Series 2006-15                                                              

I, Joshua Kelly, certify that:                                              

1. I have reviewed this report on Form 10-K and all reports on Form 10-D    
required to be filed in respect of the period covered by this report  
on Form 10-K of the Wells Fargo Asset Securities Corporation,         
Mortgage Pass-Through Certificates, Series 2006-15 Trust              
(the "Exchange Act Periodic Reports");                                

2. Based on my knowledge, the Exchange Act Periodic Reports, taken as a     
whole, do 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 with respect to the period covered by this report;         

3. Based on my knowledge, all of the distribution, servicing and other      
information required to be provided under Form 10-D for the period    
covered by this report is included in the Exchange Act Periodic       
Reports;                                                              

4. I am responsible for reviewing the activities performed by the Master    
Servicer and based upon my knowledge and the compliance review        
conducted in preparing the servicer compliance statement required in  
  this report under Item 1123 of Regulation AB, and except as disclosed in
  the Exchange Act Periodic Reports, the Master Servicer has fulfilled its
  obligations under the pooling and servicing agreement, dated October 30,
   2006, among Wells Fargo Asset Securities Corporation, as depositor, Wells
Fargo Bank, N.A., as master servicer, and HSBC Bank USA, National     
Association, as trustee; and                                          

5. All of the reports on assessment of compliance with the servicing        
criteria for asset-backed securities and their related attestation    
reports on assessment of compliance with servicing criteria for       
asset-backed securities required to be included in this report in     
accordance with Item 1122 of Regulation AB and Exchange Act Rules     
13a-18 and 15d-18 have been included as an exhibit to this report,    
except as otherwise disclosed in this report. Any material instances  
of noncompliance described in such reports have been disclosed in     
this report on Form 10-K.                                             

     In giving the certifications above, I have reasonably relied on information
provided to me by the following unaffiliated parties: Arvest Mortgage 
Company, as Servicer and CitiMortgage, Inc., as Servicer.             

Dated:    March 28, 2007                                              

/s/ Joshua Kelly                                                      
Signature                                                             

Vice President                                                        
Title                                                                 

EX-33 (c)                                                                       
Exhibit 33.2                                                                    

REPORT ON COMPLIANCE WITH APPLICABLE SERVICING CRITERIA                         
PURSUANT TO ITEM 1122 OF REGULATION AB UNDER THE                                
SECURITIES EXCHANGE ACT OF 1934                                                 

1. Management of HSBC Bank USA N.A. (the "Company") is responsible for the      
assessment of its compliance with the applicable servicing criteria set forth in
Item 1122 of Regulation AB and applicable to the servicing of certain mortgage  
backed securities, as described on Schedule I attached hereto (the "Applicable  
Servicing Criteria"). The individual asset-backed transactions and securities   
covered by this report are listed in Schedule II (the "Covered Transactions").  

2. Management of the Company used the criteria set forth in paragraph (d) of    
Item 1122 of Regulation AB to assess compliance with the Applicable Servicing   
Criteria.                                                                       

3. As of and for the period from April 27, 2006 (date of the issuance of the    
initial Covered Transaction) through December 31, 2006 (the "Reporting Period"),
the Company is in compliance with the Applicable Servicing Criteria with respect
to the servicing of the Covered Transactions except for each material instance  
of noncompliance set forth below:                                               

NONE.                                                                           

4. KPMG LLP, an independent registered public accounting firm, has issued an    
attestation report with respect to management's assessment of compliance with   
the Applicable Servicing Criteria for the Reporting Period.                     

IN WITNESS WHEREOF, I have signed this report on behalf of the Company this 13  
day of March, 2007.                                                             

/s/ Kevin T. O'Brien                                                            
Kevin T. O'Brien                                                                
Senior Vice President                                                           
Corporate Trust and Loan Agency                                                 

/s/ Thomas Musarra                                                              
Thomas Musarra                                                                  
Vice President                                                                  
Corporate Trust and Loan Agency                                                 

(page)                                                                          

Schedule I                                                                      

                                                        [Enlarge/Download Table]

                                                                                      Applicable   
                                                                                       Servicing   
                                        Servicing Criteria                             Criteria    
                                                                                                   

  Reference                                   Criteria                                             

                                                                                                   

                                   General Servicing Considerations                                

1122(d)(1)(i)    Policies and procedures are instituted to monitor any performance         X       
                 or other triggers and events of default in accordance with the                    
                 transaction agreements.                                                           

1122(d)(1)(ii)   If any material servicing activities are outsourced to third        Not applicable
                 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 agreements to maintain a        Not applicable
                 back-up servicer for the pool assets are maintained.                              

1122(d)(1)(iv)   A fidelity bond and errors and omissions policy is in effect on           X       
                 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 into the appropriate          Not applicable
                 custodial bank accounts and related bank clearing accounts no more                
                 than two business days of receipt, or such other number of days                   
                 specified in the transaction agreements.                                          

1122(d)(2)(ii)   Disbursements made via wire transfer on behalf of an obligor or to  Not applicable
                 an investor are made only by authorized personnel.                                

1122(d)(2)(iii)  Advances of funds or guarantees regarding collections, cash flows   Not applicable
                 or distributions, end 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 transaction, such as cash reserve      Not applicable
                 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 a federally insured         Not applicable
                 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)(1) under the Securities Exchange Act of 1934, as                    
                 amended.                                                                          

1122(d)(2)(vi)   Unissued checks are safeguarded so as to prevent unauthorized       Not applicable
                 access.                                                                           

1122(d)(2)(vii)  Reconciliations are prepared on a monthly basis for all             Not applicable
                 asset-backed securities related bank accounts, including                          
                 custodial accounts and related bank clearing accounts. These                      
                 reconciliations (A) are mathematically accurate; (B) are                          
                 prepared within 30 calendar days after the bank statement cutoff                  
                 date, or such other number of days specified in the transaction                   
                 agreements; (C) are 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 to be filed with the          Not applicable
                 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                         
                 investors' or the 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 and remitted in accordance   Not applicable
                 with timeframes, distribution priority and other terms set forth                  
                 in the transaction agreements.                                                    

1122(d)(3)(iii)  Disbursements made to an investor are posted within two business    Not applicable
                 days to the servicer's investor records, or such other number of                  
                 days specified in the transaction agreements.                                     

- 2 -                                                                           

(page)                                                                          

                                                        [Enlarge/Download Table]

                                                                                       Applicable   
                                                                                        Servicing   
                                         Servicing Criteria                             Criteria    
                                                                                                    

  Reference                                    Criteria                                             

                                                                                                    

1122(d)(3)(iv)    Amounts remitted to investors per the investor reports agree with   Not applicable
                  cancelled checks, or other form of payment, or custodial bank                     
                  statements.                                                                       

                                       Pool Asset Administration                                    

1122(d)(4)(i)     Collateral or security on pool assets is maintained as required by  Not applicable
                  the transaction agreements or related pool asset documents.                       

1122(d)(4)(ii)    Pool assets and related documents are safeguarded as required by    Not applicable
                  the transaction agreements.                                                       

1122(d)(4)(iii)   Any additions, removals or substitutions to the asset pool are            X       
                  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 payoffs, made in accordance  Not applicable
                  with the 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 pool assets agree with the     Not applicable
                  servicer's records with respect to an obligor's unpaid principal                  
                  balance.                                                                          

1122(d)(4)(vi)    Changes with respect to the terms or status of an obligor's pool    Not applicable
                  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 (e.g., forbearance plans,       Not applicable
                  modifications and deeds in lieu of foreclosure, foreclosures and                  
                  repossessions, as applicable) are initiated, conducted and                        
                  concluded in accordance with the time frames or other requirements                
                  established by the transaction agreements.                                        

1122(d)(4)(viii)  Records documenting collection efforts are maintained during the    Not applicable
                  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 home equity 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 of return for pool assets    Not applicable
                  with variable rates are computed based on the related pool asset                  
                  documents.                                                                        

1122(d)(4)(x)     Regarding any funds held in trust for an obligor (such as escrow    Not applicable
                  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 (such as tax or insurance     Not applicable
                  payments) are made on or before the related penalty or                            
                  expirationdates, 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 connection with any payment to be     Not applicable
                  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 obligor are posted within two    Not applicable
                  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 uncollectible accounts are           Not applicable
                  recognized and recorded in accordance with the transaction                        
                  agreements.                                                                       

1122(d)(4)(xv)    Any external enhancement or other support, identified in            Not applicable
                  Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is                     
                  maintained as set forth in the transaction agreements.                            

- 3 -                                                                           

(page)                                                                          

Schedule II                                                                     

WELLS FARGO MORTGAGE-BACKED SECURITIES                                          

SERIES                  CLOSED                                                  
WFMBS 2006-5            4/27/2006                                               
WFMBS 2006-6            4/27/2006                                               
WFMBS 2006-7            5/30/2006                                               
WFMBS 2006-AR7          4/25/2006                                               
WFMBS 2006-AR8          4/27/2006                                               
WFMBS 2006-8            6/29/2006                                               
WFMBS 2006-9            7/28/2006                                               
WFMBS 2006-10           7/28/2006                                               
WFMBS 2006-AR10         6/29/2006                                               
WFMBS 2006-AR11         7/28/2006                                               
WFMBS 2006-11           8/30/2006                                               
WFMBS 2006-AR12         8/30/2006                                               
WFMBS 2006-12           9/28/2006                                               
WFMBS 2006-AR13         8/30/2006                                               
WFMBS 2006-13           9/28/2006                                               
WFMBS 2006-14           9/28/2006                                               
WFMBS 2006-AR14         9/28/2006                                               
WFMBS 2006-AR15         9/28/2006                                               
WFMBS 2006-15           10/30/2006                                              
WFMBS 2006-AR16         9/22/2006                                               
WFMBS 2006-16           10/30/2006                                              
WFMBS 2006-AR17         9/28/2006                                               
WFMBS 2006-17           10/27/2006                                              
WFMBS 2006-AR18         10/24/2006                                              
WFMBS 2006-18           11/28/2006                                              
WFMBS 2006-AR19         11/21/2006                                              
WFMBS 2006-19           11/29/2006                                              
WFMBS 2006-20           11/29/2006                                              

WELLS FARGO HOME EQUITY TRUST SECURITIES                                        

WFHET 2006-1            5/30/2006                                               
WFHET 2006-2            6/29/2006                                               

- 4 -                                                                           

(page)                                                                          

WFHET 2006-3            12/21/2006                                              

- 5 -                                                                           

EX-33 (e)                                                                       
(logo) REGULUS                                                                  

Report on Assessment of Compliance with Regulation AB Servicing Criteria        

1. Pursuant to Subpart 229.1100 - Asset Backed Securities, 17 C.F.R. section    
 229. 1100-229.1123 ("Regulation AB"), Regulus Group LLC, for itself and its
wholly-owned subsidiaries (individually and collectively "Regulus"), is   
responsible for assessing its compliance with the servicing criteria      
   applicable to the remittance processing services it provides to customers who
   are issuers or servicers of asset backed securities transactions and who have
  requested confirmation of Regulus' compliance in connection with loan and/or
 receivables portfolios that include pool assets for asset backed securities
transactions (the "Platform"). Remittance processing is a service whereby 
  check payments that are remitted by mail to a post office box are collected,
processed through a highly automated data capture system, and prepared for
deposit to a bank account held by the beneficiary of the payment.         

2. The servicing criteria set forth in Item 1122(d) of Regulation AB were used  
in Regulus' assessment of compliance. Regulus has concluded that the      
servicing criteria set forth in Items 1122(d)(2)(i) and 1122(d)(4)(iv) of 
Regulation AB are applicable to the servicing activities it performs with 
  respect to the Platform (such criteria the "Applicable Servicing Criteria").
  Regulus has concluded that the remainder of the servicing criteria set forth
in Item 1122(d) of Regulation AB are inapplicable to the activities it    
   performs with respect to the Platform because Regulus does not participate in
the servicing activities referenced by such servicing criteria.           

3. As of and for the year ending December 31, 2006, Regulus has complied in all 
material respects with the Applicable Servicing Criteria set forth in Item
1122(d) of Regulation AB.                                                 

4. KPMG LLP, a registered public accounting firm, has issued an attestation     
report on Regulus' assessment of compliance with the Applicable Servicing 
Criteria as of and for the year ending December 31, 2006. A copy of that  
attestation report is attached hereto as Exhibit A.                       

/s/ Kimberlee Clark                                                             
Kimberlee Clark                                                                 
Chief Financial Officer                                                         

February 22, 2007                                                               

860 LATOUR COURT | NAPA, CA | 94558 | TEL: 707.254.4000 | FAX: 707.254.4070     
| REGULU5GROUP.COM                                                              

EX-33 (f)                                                                       
(logo) WELLS FARGO HOME MORTGAGE                                                

Wells Fargo Home Mortgage                                                       
One Home Campus                                                                 
Des Moines, IA 50328-0001                                                       

YourWellsFargoMortgage.com                                                      

Wells Fargo Bank, N.A.                                                          

2006 Certification Regarding Compliance with Applicable Servicing Criteria      

1.      Wells Fargo Bank, N.A. (the "Servicer") is responsible for assessing    
 its compliance with the servicing criteria applicable to it under
     paragraph (d) of Item 1122 of Regulation AB as set forth in Exhibit A
       hereto in connection with the primary servicing of residential mortgage
loans by its Wells Fargo Home Mortgage division, other than the 
      servicing of such loans for Freddie Mac, Fannie Mae, Ginnie Mae, state
    and local government bond programs, or a Federal Home Loan Bank (the
servicing "Platform");                                          

2.      The Servicer has engaged certain vendors (the "Vendors") to perform     
     specific, limited or scripted activities as of and for the year ended
      December 31, 2006, and the Servicer has elected to take responsibility
      for assessing compliance with the servicing criteria or portion of the
       servicing criteria applicable to such Vendors as set forth in Exhibit A
        hereto, with the exception of those Vendors that have provided their own
 report on assessment of compliance with servicing criteria, which
reports are attached hereto as Exhibit D;                       

3.      Except as set forth in paragraph 4 below, the Servicer 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 identified as Inapplicable Servicing Criteria on Exhibit A 
  hereto are inapplicable to the Servicer based on the activities it
performs with respect to its Platform;                          

5.      The Servicer has complied, in all material respects, with the applicable
  servicing criteria as of and for the year ended December 31, 2006,
except as described on Exhibit B hereto;                        

6.      The Servicer has not identified and is not aware of any material        
      instance of noncompliance by the Vendors with the applicable servicing
criteria as of and for the year ended December 31, 2006;        

7.      The Servicer has not identified any material deficiency in its policies 
and procedures to monitor the compliance by the Vendors with the
       applicable servicing criteria for the year ended December 31, 2006; and

8.      KPMG LLP, a registered public accounting firm, has issued an attestation
     report on the Servicer's assessment of compliance with the applicable
        servicing criteria as of and for the year ended December 31, 2006, which
attestation report is included on Exhibit C attached hereto.    

March 1, 2007                                                                   

WELLS FARGO BANK, N.A.                                                          

By:  /s/ Mary C. Coffin                                                         
Mary C. Coffin                                                                  
Executive Vice President                                                        

Wells Fargo Home Mortgage                                                       
is a division of Wells Fargo Bank, N.A.                                         

(page)                                                                          

EXHIBIT A                                                                       
to                                                                              
Wells Fargo Bank, N.A.'s                                                        
2006 Certification Regarding Compliance With Applicable Servicing Criteria      

                                                        [Enlarge/Download Table]

                                                                                                                                   

                                 Servicing Criteria                                          Applicable Servicing      Inapplicable
                                                                                                  Criteria               Servicing 
                                                                                                                         Criteria  
Reference                                  Criteria                                     Performed           Performed              
                                                                                           by                   by                 
                                                                                        Servicer            Vendor(s)              

General Servicing Considerations                                                                                                   

                 Policies and procedures are instituted to monitor any performance or       X                                      
                 other triggers and events of default in accordance with the                                                       
1122(d)(1)(i)    transaction agreements.                                                                                           

                 If any material servicing activities are outsourced to third parties,      X                                      
                 policies and procedures are instituted to monitor the third party's                                               
1122(d)(1)(ii)   performance and compliance with such servicing activities.                                                        

                 Any requirements in the transaction agreements to maintain a back-up                                        X     
1122(d)(1)(iii)  servicer for the mortgage loans are maintained.                                                                   

                 A fidelity bond and errors and omissions policy is in effect on the        X                                      
                 party participating in the servicing function throughout the reporting                                            
                 period in the amount of coverage required by and otherwise in                                                     
1122(d)(1)(iv)   accordance with the terms of the transaction agreements.                                                          

Cash Collection and Administration                                                                                                 

                 Payments on mortgage loans are deposited into the appropriate              X^1                  X^2               
                 custodial bank accounts and related bank clearing accounts no more                                                
                 than two business days following receipt, or such other number of                                                 
1122(d)(2)(i)    days specified in the transaction agreements.                                                                     

                 Disbursements made via wire transfer on behalf of an obligor or to an      X                                      
1122(d)(2)(ii)   investor are made only by authorized personnel.                                                                   

                 Advances of funds or guarantees regarding collections, cash flows or       X                                      
                 distributions, and any interest or other fees charged for such                                                    
                 advances, are made, reviewed and approved as specified in the                                                     
1122(d)(2)(iii)  transaction agreements.                                                                                           

                 The related accounts for the transaction, such as cash reserve             X                                      
                 accounts or accounts established as a form of overcollateralization                                               
                 are separately maintained (e.g., with respect to commingling of cash)                                             
1122(d)(2)(iv)   as set forth in the transaction agreements.                                                                       

                 Each custodial account is maintained at a federally insured                X                                      
                 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                                                 
1122(d)(2)(v)    13k-1(b)(1) of the Securities Exchange Act.                                                                       

1122(d)(2)(vi)   Unissued checks are safeguarded so as to prevent unauthorized access.      X^3                  X^4               

(page)                                                                                                                             

                                 Servicing Criteria                                          Applicable Servicing      Inapplicable
                                                                                                  Criteria               Servicing 
                                                                                                                         Criteria  
Reference                                  Criteria                                     Performed           Performed              
                                                                                           by                   by                 
                                                                                        Servicer            Vendor(s)              

                 Reconciliations are prepared on a monthly basis for all asset-backed       X                                      
                 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                                                     
1122(d)(2)(vii)  transaction agreements.                                                                                           

Investor Remittances and Reporting                                                                                                 

                 Reports to investors, including those to be filed with the                 X                                      
                 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 investors' or the                                                
                 trustee's records as to the total unpaid principal balance and number                                             
1122(d)(3)(i)    of mortgage loans serviced by the Servicer.                                                                       

                 Amounts due to investors are allocated and remitted in accordance          X                                      
                 with timeframes, distribution priority and other terms set forth in                                               
1122(d)(3)(ii)   the transaction agreements.                                                                                       

                 Disbursements made to an investor are posted within two business days      X                                      
                 to the Servicer's investor records, or such other number of days                                                  
1122(d)(3)(iii)  specified in the transaction agreements.                                                                          

                 Amounts remitted to investors per the investor reports agree with          X                                      
                 cancelled checks, or other form of payment, or custodial bank                                                     
1122(d)(3)(iv)   statements.                                                                                                       

Pool Asset Administration                                                                                                          

                 Collateral or security on mortgage loans is maintained as required by      X                                      
1122(d)(4)(i)    the transaction agreements or related mortgage loan documents.                                                    

                 Mortgage loan and related documents are safeguarded as required by         X                                      
1122(d)(4)(ii)   the transaction agreements.                                                                                       

                 Any additions, removals or substitutions to the asset pool are made        X                                      
                 reviewed and approved in accordance with any conditions or                                                        
1122(d)(4)(iii)  requirements in the transaction agreements.                                                                       

                 Payments on mortgage loans, including any payoffs, made in                 X^5                  X^6               
                 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                                                 
1122(d)(4)(iv)   documents.                                                                                                        

                 The Servicer's records regarding the mortgage loans agree with the         X                                      
                 Servicer's records with respect to an obligor's unpaid principal                                                  
1122(d)(4)(v)    balance.                                                                                                          

                 Changes with respect to the terms or status of an obligor's mortgage       X                                      
                 loans (e.g., loan modifications or re-agings) are made, reviewed                                                  
                 and approved by authorized personnel in accordance with the                                                       
1122(d)(4)(vi)   transaction agreements and related pool asset documents.                                                          

(page)                                                                                                                             

                                 Servicing Criteria                                          Applicable Servicing      Inapplicable
                                                                                                  Criteria               Servicing 
                                                                                                                         Criteria  
Reference                                  Criteria                                     Performed           Performed              
                                                                                           by                   by                 
                                                                                        Servicer            Vendor(s)              

                 Loss mitigation or recovery actions (e.g., forbearance plans,              X                                      
                 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                                               
1122(d)(4)(vii)  by the transaction agreements.                                                                                    

                 Records documenting collection efforts are maintained during the           X                                      
                 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                                              
1122(d)(4)(viii) deemed temporary (e.g., illness or unemployment).                                                                 

                 Adjustments to interest rates or rates of return for mortgage loans        X                                      
                 with variable rates are computed based on the related mortgage loan                                               
1122(d)(4)(ix)   documents.                                                                                                        

                 Regarding any funds held in trust for an obligor (such as escrow           X                                      
                 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                                               
1122(d)(4)(x)    number of days specified in the transaction agreements.                                                           

                 Payments made on behalf of an obligor (such as tax or insurance            X^7                  X^8               
                 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                                                  
1122(d)(4)(xi)   other number of days specified in the transaction agreements.                                                     

                 Any late payment penalties in connection with any payment to be made       X                                      
                 on behalf of an obligor are paid from the Servicer's funds and not                                                
                 charged in the obligor, unless the late payment was due to the                                                    
1122(d)(4)(xii)  obligor's error or omission.                                                                                      

                 Disbursements made on behalf of an obligor are posted within two           X^9                  X^10              
                 business days to the obligor's records maintained by the servicer, or                                             
1122(d)(4)(xiii) such other number of days specified in the transaction agreements.                                                

                 Delinquencies, charge-offs and uncollectible accounts are recognized       X                                      
1122(d)(4)(xiv)  and recorded in accordance with the transaction agreements.                                                       

                 Any external enhancement or other support, identified in Item                                               X     
                 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained                                               
1122(d)(4)(xv)   as set forth in the transaction agreements.                                                                       

1 A portion of this servicing criteria is performed by a vendor, as set forth in footnote 2 below.                                 
2 A lockbox vendor receives payments, creates transaction files, deposits checks, reconciles files to                              
deposits and transmits the transaction files to Wells Fargo. See Exhibit D.                                                        
3 A portion of this servicing criteria is performed by vendors, as set forth in footnote 4 below.                                  
4 Insurance vendors prepare and safeguard checks on behalf of Wells Fargo. As to one                                               
such vendor, see Exhibit D.                                                                                                        
5 A portion of this servicing criteria is performed by a vendor, as set forth in footnote 6 below.                                 
6 A lockbox vendor receives payments, creates transaction files, deposits checks, reconciles files                                 
to deposits and transmits the transaction files to Wells Fargo. See Exhibit D.                                                     
7 A portion of this servicing criteria is performed by vendors, as set forth in footnote 8 below.                                  
8 Insurance vendors obtain renewal invoices, create disbursement transactions and submit payments                                  
to payees. As to one such vendor, see Exhibit D.                                                                                   
9 A portion of this servicing criteria is performed by one or more vendors, as set forth in footnote 10 below.                     
10 Insurance vendors obtain renewal invoices, create disbursement transactions and submit payments to payees.                      
As to one such vendor, see Exhibit D.                                                                                              


(page)                                                                          

EXHIBIT B                                                                       
to                                                                              
Wells Fargo Bank, N.A.'s                                                        
2006 Certification Regarding Compliance With Applicable Servicing Criteria      

Wells Fargo Bank, N.A. ("Wells Fargo") acknowledges the following material      
instances of noncompliance with the applicable servicing criteria:              

1. 1122(d)(3)(i) - Delinquency Reporting - For certain loans sub-serviced by    
   Wells Fargo or for which servicing rights were acquired on a bulk-acquisition
  basis, Wells Fargo determined that it provided incomplete data to some third
 parties who use such data to calculate delinquency ratios and determine the
   status of loans with respect to bankruptcy, foreclosure or real estate owned.
The incomplete reporting only affected securitizations that included      
delinquent loans. Instead of the actual due date being provided for use in
  calculating delinquencies, the date of the first payment due to the security
was provided. Wells Fargo subsequently included additional data in the    
   monthly remittance reports, providing the actual borrower due date and unpaid
   principal balance, together with instructions to use these new fields if such
monthly remittance reports are used to calculate delinquency ratios.      

2. 1122(d)(4)(vii) - Notification of Intent to Foreclose  - Wells Fargo         
determined that, as required by certain servicing agreements, it did not  
provide investors with prior notification of intent to foreclose. While   
investors received monthly delinquency status reports that listed loans in
   foreclosure, such reports were received after such loans had been referred to
   an attorney. A new process is being implemented to send such notifications if
contractually required, unless an investor opts out in writing.           

(page)                                                                          

EXHIBIT C                                                                       
to                                                                              
Wells Fargo Bank, N.A.'s                                                        
2006 Certification Regarding Compliance With Applicable Servicing Criteria      

Report or Independent Registered Public Accounting Firm                         

(page)                                                                          

EXHIBIT D                                                                       
to                                                                              
Wells Fargo Bank, N.A.'s                                                        
2006 Certification Regarding Compliance With Applicable Servicing Criteria      

Vendors' Reports on Assessment of Compliance With Servicing Criteria            

EX-33 (g)                                                                       
(logo) WELLS FARGO                                                              

Corporate Trust Services                                                        
9062 Old Annapolis Road                                                         
Columbia, MD 21045-1951                                                         
410 884-2000                                                                    
410 715-2380 Fax                                                                

Wells Fargo Bank, N.A.                                                          

ASSESSMENT OF COMPLIANCE WITH APPLICABLE SERVICING CRITERIA                     

Corporate Trust Services division of Wells Fargo Bank, National Association (the
"Company") provides this assessment of compliance with the following applicable 
servicing criteria set forth in Item 1122(d) of Regulation AB promulgated by    
the Securities and Exchange Commission. Management has determined that the      
servicing criteria are applicable in regards to the servicing platform for the  
period as follows:                                                              

Platform: Publicly-issued (i.e., transaction-level reporting initially required 
under the Securities Exchange Act of 1934, as amended) residential              
mortgage-backed securities, commercial mortgage-backed securities and other     
asset-backed securities, for which the Company provides master servicing,       
trustee, securities administration or paying agent services, excluding          
transactions issued by any agency or instrumentality of the U.S. government or  
any government sponsored entity (the "Platform").                               

Applicable Servicing Criteria: All servicing criteria set forth in Item 1122(d),
to the extent required in the related transaction agreements or required by the 
Item 1122(d) servicing criteria in regards to the activities performed by the   
Company, except for the following criteria: 1122(d)(1)(iii), 1122(d)(4)(ii),    
1122(d)(4)(iv), 1122(d)(4)(v), 1122(d)(4)(viii), 1122(d)(4)(ix), 1122(d)(4)(x), 
1122(d)(4)(xi), 1122(d)(4)(xii) and 1122(d)(4)(xiii), which management has      
determined are not applicable to the activities the Company performs with       
respect to the Platform (the "Applicable Servicing Criteria").                  

Period: Twelve months ended December 31, 2006 (the "Period").                   

Third parties classified as vendors: With respect to servicing criteria         
1122(d)(4)(i), the Company has engaged various vendors to handle certain Uniform
Commercial Code filing functions required by the servicing criteria ("vendors").
The Company has determined that none of the vendors is a "servicer" as defined  
in Item 1101(j) of Regulation AB, and the Company elects to take responsibility 
for assessing compliance with the portion of the servicing criteria applicable  
to each vendor as permitted by Interpretation 17.06 of the SEC Division of      
Corporation Finance Manual of Publicly Available Telephone Interpretations      
("Interpretation 17.06"). The Company has policies and procedures in place to   
provide reasonable assurance that each vendor's activities comply in all        
material respects with the servicing criteria applicable to each vendor. The    
Company is solely responsible for determining that it meets the SEC requirements
to apply Interpretation 17.06 for the vendors and related criteria.             

With respect to the Platform and the Period, the Company provides the following 
assessment of compliance with respect to the Applicable Servicing Criteria:     

1. The Company is responsible for assessing its compliance with the Applicable  
Servicing Criteria.                                                             

2. The Company has assessed compliance with the Applicable Servicing Criteria,  
including servicing criteria for which compliance is determined based on        
Interpretation 17.06 as described above, as of and for the Period. In performing
this assessment, management used the criteria set forth by the Securities and   
Exchange Commission in paragraph (d) of Item 1122 of Regulation AB.             

3. Other than as identified on Schedule A hereto, as of and for the Period, the 
Company was in material compliance with the Applicable Servicing Criteria. Any  
material instances of noncompliance by a vendor of which the Company is aware   
and any material deficiency in the Company's policies and procedures to monitor 
vendors' compliance that the Company has identified is specified on Schedule A  
hereto.                                                                         

KPMG LLP, a registered public accounting firm, has issued an attestation        
report with respect to the Company's foregoing assessment of compliance as of   
and for the Period.                                                             

WELLS FARGO BANK, NATIONAL ASSOCIATION                                          

By:/s/ Brian Bartlett                                                           
Brian Bartlett                                                                  

Its:   Executive Vice President                                                 

Dated: March 1, 2007                                                            

(page)                                                                          

(logo) WELLS FARGO                                                              

Corporate Trust Services                                                        
9062 Old Annapolis Road                                                         
Columbia, MD 21045-1951                                                         
410 884-2000                                                                    
410 715-2380 Fax                                                                

Wells Fargo Bank, N.A.                                                          

Schedule A                                                                      

Material Instances of Noncompliance by the Company                              

1122(d)(3)(i)- Delinquency Reporting - During the reporting period, certain     
monthly investor or remittance reports included errors in the calculation and/or
the reporting of delinquencies for the pool assets, which errors may or may not 
have been material. All such errors were the result of data processing errors   
and/or the mistaken interpretation of data provided by other parties            
participating in the servicing function. All necessary adjustments to data      
processing systems and/or interpretive clarifications have been made to correct 
those errors and to remedy related procedures.                                  

Material instances of Noncompliance by any Vendor                               

NONE                                                                            

Material Deficiencies In Company's Policies and Procedures to Monitor Vendors'  
Compliance                                                                      

NONE                                                                            

EX-33 (h)                                                                       
(logo) WELLS FARGO                                                              

Wells Fargo Bank, N.A.                                                          
Document Custody                                                                
1015 10th Avenue SE                                                             
Minneapolis, MN 55414                                                           

Appendix I                                                                      

ASSESSMENT OF COMPLIANCE WITH APPLICABLE SERVICING CRITERIA                     

Corporate Trust Services division of Wells Fargo Bank, National Association     
(the "Company") is responsible for assessing compliance with the servicing      
criteria set forth in Item 1122(d) of Regulation AB promulgated by the          
Securities and Exchange Commission. The Company has determined that the         
servicing criteria are applicable in regard to the servicing platform for the   
period as follows:                                                              

Platform: Publicly-issued (i.e., transaction-level reporting required under     
the Securities Exchange Act of 1934, as amended) residential mortgage-backed    
securities and commercial mortgage-backed securities issued on or after January 
1, 2006, for which the Company provides document custody services, excluding any
publicly issued transactions issued by any government sponsored entity (the     
"Platform").                                                                    

Applicable Servicing Criteria: The servicing criteria set forth in Item         
1122(d)(4)(i) and 1122(d)(4)(ii), in regard to the activities performed by the  
Company with respect to the Platform (the "Applicable Servicing Criteria"). The 
Company has determined that all other servicing criteria set forth in Item      
1122(d) are not applicable to the Platform.                                     

Period: Twelve months ended December 31, 2006 (the "Period").                   

With respect to the Platform, the Company provides the following                
assessment of compliance with respect to the Applicable Servicing Criteria:     

1. The Company is responsible for assessing the Company's compliance with       
the Applicable Servicing Criteria as of and for the Period.                     

2. The Company has assessed compliance with the Applicable Servicing            
Criteria. In performing this assessment, the Company used the criteria set forth
by the Securities and Exchange Commission in paragraph (d) of Item 1122 of      
Regulation AB.                                                                  

3. Based on such assessment, as of and for the Period, the Company has          
complied, in all material respects with the Applicable Servicing Criteria.      

KPMG LLP, a registered public accounting firm, has issued an attestation        
report with respect to the Company's assessment of compliance as of and for the 
Period.                                                                         

WELLS FARGO BANK, NATIONAL ASSOCIATION                                          

By: /s/ Shari L. Gillund                                                        
Shari L. Gillund                                                                

Its: Senior Vice President                                                      

Dated: March 1, 2007                                                            

EX-33 (i)                                                                       
(logo) ZC STERLING                                                              

ZC Sterling Corporation                                                         
210 Interstate North Parkway                                                    
Suite 400                                                                       
Atlanta, GA 30339                                                               

Tel 770.690.8400                                                                
Fax 770.690.8240                                                                
http://www.zcsterling.com                                                       

Report on Assessment of Compliance with Securities and Exchange                 
Commission's Regulation AB Servicing Criteria                                   

For the calendar year ending December 31 2006, or portion thereof (the          
"Period"), ZC Sterling Insurance Agency, Inc. ("ZCSIA") has been a subcontractor
for Servicers identified in Appendix A.                                         

The undersigned are Senior Vice Presidents of ZCSIA, have sufficient authority  
to make the statements contained in this Assertion and are responsible for      
assessing compliance with the servicing criteria applicable to ZCSIA. ZCSIA has 
used the servicing criteria communicated to ZCSIA by the Servicer to assess     
compliance with the applicable servicing criteria. Accordingly, servicing       
criteria 1122 (d) 1(iv), 1122 (d) 2(vi), 1122 (d) 4(xi), 1122 (d) 4(xii), and   
1122 (d) 4(xiii) are applicable to the activities performed by ZCSIA with       
respect to the Platforms covered by this report. The remaining servicing        
criteria set forth in Item 1122 (d) of the Securities and Exchange Commission's 
Regulation AB are not applicable to the activities performed by ZCSIA with      
respect to the Platform covered by this report. As a subcontractor for Servicer,
ZCSIA has determined that it complied in all material respects with the         
servicing criteria listed below. ZCSIA engaged Ernst & Young, LLP ("E&Y"), a    
registered public accounting firm, to review ZCSIA's assessment, and E&Y has    
issued an attestation report on ZCSIA's assessment of compliance with the       
applicable servicing criteria for the Period.                                   

1. ZCSIA maintained a fidelity bond and errors & omissions policy in effect on  
ZCSIA throughout the reporting period in the amount of coverage required by the 
transaction agreements between the Servicer and ZCSIA (1122(d)((1)(iv)).        

2. To the extent that ZCSIA prints checks for Servicer or otherwise has         
Servicer's checks or check stock, unissued checks are safeguarded so as to      
prevent unauthorized access (1122(d)(2)(vi)). [AS OF DECEMBER 31, 2006, THIS    
PROVISION WILL APPLY ONLY FOR THE FOLLOWING SERVICERS: ABN Amro Mortgage Group, 
Inc, Option One Mortgage Corporation, Sun Trust Mortgage, Inc., HomEq Servicing 
Corporation, Wachovia Insurance Corporation, Wells Fargo Home Mortgage.         

(page)                                                                          

3. Payments made on behalf of Servicer's obligor for insurance premiums 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 thirty (30) calendar days prior to these 
dates, or such other number of days specified in the transaction agreements     
between Servicer and ZCSIA (1122(d)(4)(xi)).                                    

4. Any late payment penalties in connection with any payment for insurance to be
made on behalf of Servicer's obligor are paid from the Servicer's funds or      
ZCSIA's funds and not charged to Servicer's obligor, unless the late payment was
due to the obligor's error or omission (1122(d)(4)(xii)).                       

5. File(s) provided to Servicer from which Servicer may make disbursements made 
on behalf of Servicer's obligor are provided to Servicer on an accurate and     
timely basis and the information thereon is subject to such controls as are     
specified in the transaction agreements between Servicer and ZCSIA              
(1122(d)(4)(xiii)).                                                             

Sincerely,                                                                      
ZC STERLING INSURANCE AGENCY, INC.                                              

By: /s/ Arthur J. Castner                                                       
Arthur J. Castner                                                               

Title: Senior Vice President - Hazard Operations                                

Date: February 20, 20007                                                        

By: /s/ James P. Novak                                                          
James P. Novak                                                                  

Title: Senior Vice President & General Counsel                                  

Date: February 20, 2007                                                         

2                                                                               

(page)                                                                          

Appendix A                                                                      
The following is a list of Clients serviced on the ZC Sterling Integrated       
Product Solution (ZIPS) Platform:                                               

1. ABN Amro Mortgage Group, Inc.                                                
2. Dovenmuehle Mortgage, Inc.                                                   
3. HomEq Servicing Corporation                                                  
4. Option One Mortgage Corporation                                              
5. People's Choice Home Loan, Inc.                                              
6. Sun Trust Mortgage, Inc.                                                     
7. Wachovia Insurance Agency (and its affiliates, including Wachovia Mortgage   
Corporation)                                                              
8. Wells Fargo Home Mortgage                                                    

3                                                                               

EX-34 (c)                                                                       
(logo) KPMG                                                                     

KPMG LLP                                                                        
Suite 601                                                                       
12 Fountain Plaza                                                               
Buffalo, NY 14202                                                               

Report of Independent Registered Public Accounting Firm                         

The Board of Directors                                                          
HSBC Bank USA N.A.:                                                             

We have examined management's assessment, included in the accompanying Report on
Compliance with Applicable Servicing Criteria, that HSBC Bank USA N.A. (the     
Company) complied with the servicing criteria set forth in Items 1122(d)(1)(i), 
1122(d)(1)(iv), and 1122(d)(4)(iii) of the Securities and Exchange              
Commission's Regulation AB for certain mortgage-backed securities, as of and for
the period from April 27, 2006 to December 31, 2006. Appendix A identifies the  
individual asset-backed transactions and securities (the Control Transactions)  
defined by management as part of their assessment. All other criteria set forth 
in Item 1122 of Regulation AB are not applicable to the Company because the     
Company does not perform activities with respect to the Control Transactions    
relating to those criteria. Management is responsible for the Company's         
compliance with those servicing criteria. Our responsibility is to express an   
opinion on management's assessment about the Company's compliance based on our  
examination.                                                                    

Our examination was conducted in accordance with the standards of the Public    
Company Accounting Oversight Board (United States) and, accordingly, included   
examining, on a test basis, evidence about the Company's compliance with the    
servicing criteria specified above and performing such other procedures as we   
considered necessary in the circumstances. Our examination included testing of  
less than all of the individual asset-backed transactions and securities that   
comprise the Control Transactions, testing of less than all of the servicing    
activities related to the Control Transactions, and determining whether the     
Company processed those selected transactions and performed those selected      
activities in compliance with the servicing criteria. Furthermore, our          
procedures were limited to the selected transactions and servicing activities   
performed by the Company during the period covered by this report. Our          
procedures were not designed to determine whether errors may have occurred      
either prior to or subsequent to our tests that may have affected the balances  
or amounts calculated or reported by the Company during the period covered by   
this report for the selected transactions or any other transactions. 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 servicing criteria.                                                    

In our opinion, management's assessment that the Company complied with the      
aforementioned servicing criteria as of and for the period from April 27, 2006  
to December 31, 2006 is fairly stated, in all material respects.                

/s/ KPMG LLP                                                                    

Buffalo, New York                                                               
March 12, 2007                                                                  

KPMG LLP, a U.S. limited liability partnership, is the U.S.                     
member firm of KPMG International, a Swiss cooperative.                         

(page)                                                                          

Appendix A                                                                      

WELLS FARGO MORTGAGE-BACKED SECURITIES                                          

                                                                [Download Table]

SERIES                  CLOSED          
                                        
WFMBS 2006-5            4/27/2006       
WFMBS 2006-6            4/27/2006       
WFMBS 2006-7            5/30/2006       
WFMBS 2006-AR7          4/25/2006       
WFMBS 2006-AR8          4/27/2006       
WFMBS 2006-8            6/29/2006       
WFMBS 2006-9            7/28/2006       
WFMBS 2006-10           7/28/2006       
WFMBS 2006-AR10         6/29/2006       
WFMBS 2006-AR11         7/28/2006       
WFMBS 2006-11           8/30/2006       
WFMBS 2006-AR12         8/30/2006       
WFMBS 2006-12           9/28/2006       
WFMBS 2006-AR13         8/30/2006       
WFMBS 2006-13           9/28/2006       
WFMBS 2006-14           9/28/2006       
WFMBS 2006-AR14         9/28/2006       
WFMBS 2006-AR15         9/28/2006       
WFMBS 2006-15           10/30/2006      
WFMBS 2006-AR16         9/22/2006       
WFMBS 2006-16           10/30/2006      
WFMBS 2006-AR17         9/28/2006       
WFMBS 2006-17           10/27/2006      
WFMBS 2006-AR18         10/24/2006      
WFMBS 2006-18           11/28/2006      
WFMBS 2006-AR19         11/21/2006      
WFMBS 2006-19           11/29/2006      
WFMBS 2006-20           11/29/2006      

WELLS FARGO HOME EQUITY TRUST SECURITIES

WFHET 2006-1            5/30/2006       
WFHET 2006-2            6/29/2006       
WFHET 2006-3            12/21/2006      

EX-34 (e)                                                                       
(logo) KPMG                                                                     

KPMG LLP                                                                        
1601 Market Street                                                              
Philadelphia, PA 19103-2499                                                     

Report of Independent Registered Public Accounting Firm                         

The Board of Members                                                            
Regulus Group LLC:                                                              

We have examined management's assessment for those customers that               
management has informed us have requested confirmation of compliance, included  
in the accompanying Report on Assessment of Compliance with Regulation AB       
Servicing Criteria, that Regulus Group LLC complied with the servicing criteria 
set forth in Item 1122(d)(2)(i) and 1122(d)(4)(iv) of the Securities and        
Exchange Commission's Regulation AB for remittance processing services to those 
issuers of asset backed securities and servicers of loan and/or receivables     
portfolios that include pool assets for asset backed securities transactions    
(the Platform) as of and for the year ended December 31, 2006. Regulus Group LLC
has determined that the remainder of the servicing criteria are not applicable  
to the activities it performs with respect to the Platform as of and for the    
year ended December 31, 2006. Management is responsible for the Company's       
compliance with those servicing criteria. Our responsibility is to express an   
opinion on management's assessment about the Company's compliance based on our  
examination.                                                                    

Our examination was conducted in accordance with the standards of the           
Public Company Accounting Oversight Board (United States) and, accordingly,     
included examining, on a test basis, evidence about the Company's compliance    
with the servicing criteria specified above and performing such other procedures
as we considered necessary in the circumstances. Our examination included       
testing of less than all of the individual asset-backed transactions and        
securities that comprise the Platform, testing of less than all of the servicing
activities related to the Platform, and determining whether the Company         
processed those selected transactions and performed those selected activities in
compliance with the servicing criteria. Furthermore, our procedures were limited
to the selected transactions and servicing activities performed by the Company  
during the period covered by this report. Our procedures were not designed to   
determine whether errors may have occurred either prior to or subsequent to our 
tests that may have affected the balances or amounts calculated or reported by  
the Company during the period covered by this report for the selected           
transactions or any other transactions. 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 servicing criteria.          

In our opinion, management's assessment that the Company complied with the      
aforementioned servicing criteria as of and for the year ended December 31, 2006
is fairly stated, in all material respects.                                     

/s/ KPMG LLP                                                                    

Philadelphia, PA                                                                
February 22, 2007                                                               

KPMG LLP, a U.S. limited liability partnership, is the U.S.                     
member firm of KPMG International, a Swiss cooperative.                         

EX-34 (f)                                                                       
(logo) KPMG                                                                     

KPMG LLP                                                                        
2500 Ruan Center                                                                
666 Grand Avenue                                                                
Des Moines, IA 50309                                                            

Report of Independent Registered Public Accounting Firm                         

The Board of Directors                                                          
Wells Fargo Bank, N.A.:                                                         

We have examined Wells Fargo Bank, N.A.'s (the Company) compliance with the     
servicing criteria set forth in Item 1122(d) of the Securities and Exchange     
Commission's Regulation AB for its primary servicing of residential mortgage    
loans by its Wells Fargo Home Mortgage division, other than the servicing of    
such loans for Freddie Mac, Fannie Mae, Ginnie Mae, state and local government  
bond programs, or a Federal Home Loan Bank (the Platform), except for servicing 
criteria 1122(d)(1)(iii) and 1122(d)(4)(xv), which the Company has determined   
are not applicable to the activities it performs with respect to the Platform,  
as of and for the year ended December 31, 2006. Management is responsible for   
the Company's compliance with those servicing criteria. Our responsibility is to
express an opinion on the Company's compliance based on our examination.        

Our examination was conducted in accordance with the standards of the Public    
Company Accounting Oversight Board (United States) and, accordingly, included   
examining, on a test basis, evidence about the Company's compliance with the    
servicing criteria specified above and performing such other procedures as we   
considered necessary in the circumstances. Our examination included testing of  
less than all of the individual asset-backed transactions and securities that   
comprise the Platform, testing of less than all of the servicing activities     
related to the Platform, and determining whether the Company processed those    
selected transactions and performed those selected activities in compliance with
the servicing criteria. Furthermore, our procedures were limited to the selected
transactions and servicing activities performed by the Company during the period
covered by this report. Our procedures were not designed to determine whether   
errors may have occurred either prior to or subsequent to our tests that may    
have affected the balances or amounts calculated or reported by the Company     
during the period covered by this report for the selected transactions or any   
other transactions. 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 servicing criteria.                               

Our examination disclosed the following instances of material noncompliance with
certain servicing criteria applicable to the Company during the year ended      
December 31, 2006:                                                              

1. 1122(d)(3)(i) - Delinquency Reporting - The Company provided incomplete data 
 to some third parties who use such data to calculate delinquency ratios and
   determine the status of loans with respect to bankruptcy, foreclosure or real
estate owned. Instead of the actual due date being provided for use in    
  calculating delinquencies, the date of the first payment due to the security
was provided.                                                             

2. 1122(d)(4)(vii) - Notification of Intent to Foreclose - The Company, as      
required by certain servicing agreements, did not provide investors with  
prior notification of intent to foreclose.                                

(page)                                                                          

(logo) KPMG                                                                     

As described in the accompanying 2006 Certification Regarding Compliance with   
Applicable Servicing Criteria, for servicing criteria 1122(d)(2)(i),            
1122(d)(2)(vi), 1122(d)(4)(iv), 1122(d)(4)(xi), and 1122(d)(4)(xiii), the       
Company has engaged various vendors to perform the activities required by these 
servicing criteria. The Company has determined that these vendors are not       
considered "servicers" as defined in Item 1101(j) of Regulation AB, and the     
Company has elected to take responsibility for assessing compliance with the    
servicing criteria applicable to each vendor as permitted by Interpretation     
17.06 of the SEC Division of Corporation Finance Manual of Publicly Available   
Telephone Interpretations ("Interpretation 17.06"), with the exception of those 
vendors who have provided their own reports on assessment of compliance with    
servicing criteria to the Company, for which the Company does not take such     
responsibility. As permitted by Interpretation 17.06, the Company has asserted  
that it 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 each vendor. The Company is solely responsible 
for determining that it meets the SEC requirements to apply Interpretation 17.06
for the vendors and related criteria as described in its assertion, and we      
performed no procedures with respect to the Company's eligibility to apply      
Interpretation 17.06.                                                           

In our opinion, except for the instances of material noncompliance described    
above, the Company complied, in all material respects, with the aforementioned  
servicing criteria as of and for the year ended December 31, 2006.              

/s/ KPMG LLP                                                                    

Des Moines, Iowa                                                                
March 1, 2007                                                                   

KPMG LLP, a U.S. limited liability partnership, is the U.S.                     
member firm of KPMG International, a Swiss cooperative.                         

EX-34 (g)                                                                       
(logo) KPMG                                                                     

KPMG LLP                                                                        
303 East Wacker Drive                                                           
Chicago, IL 60801-5212                                                          

Report of Independent Registered Public Accounting Firm                         

The Board of Directors                                                          
The Corporate Trust Services division of Wells Fargo Bank, National Association:

We have examined the compliance of the Corporate Trust Services division of     
Wells Fargo Bank, National Association (the Company) with the servicing criteria
set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation
AB for publicly-issued (i.e., transaction-level reporting initially required    
under the Securities Exchange Act of 1934, as amended) residential              
mortgage-backed securities, commercial mortgage-backed securities and other     
asset-backed securities, for which the Company provides master servicing,       
trustee, securities administration or paying agent services, excluding          
transactions issued by any agency or instrumentality of the U.S. government or  
any government sponsored entity (the Platform), except for servicing criteria   
1122(d)(1)(iii), 1122(d)(4)(ii), 1122(d)(4)(iv), 1122(d)(4)(v),                 
1122(d)(4)(viii), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi),                
1122(d)(4)(xii) and 1122(d)(4)(xiii), which the Company has determined are not  
applicable to the activities it performs with respect to the Platform, as of and
for the twelve months ended December 31, 2006. Management is responsible for the
Company's compliance with those servicing criteria. Our responsibility is to    
express an opinion on management's assertion about the Company's compliance     
based on our examination.                                                       

Our examination was conducted in accordance with the standards of the Public    
Company Accounting Oversight Board (United States) and, accordingly, included   
examining, on a test basis, evidence about the Company's compliance with the    
servicing criteria specified above and performing such other procedures as we   
considered necessary in the circumstances. Our examination included testing of  
less than all of the individual asset-backed transactions and securities that   
comprise the Platform, testing of less than all of the servicing activities     
related to the Platform, and determining whether the Company processed those    
selected transactions and performed those selected activities in compliance with
the servicing criteria. Furthermore, our procedures were limited to the selected
transactions and servicing activities performed by the Company during the period
covered by this report. Our procedures were not designed to determine whether   
errors may have occurred either prior to or subsequent to our tests that may    
have affected the balances or amounts calculated or reported by the Company     
during the period covered by this report for the selected transactions or any   
other transactions. 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 servicing criteria.                               

As described in the accompanying management's Assessment of Compliance With     
Applicable Servicing Criteria, for servicing criteria 1122(d)(4)(i), the Company
has engaged various vendors to perform the activities required by these         
servicing criteria. The Company has determined that these vendors are not       
considered a "servicer" as defined in Item 1101(j) of Regulation AB, and the    
Company has elected to take responsibility for assessing compliance with the    
servicing criteria applicable to each vendor as permitted by Interpretation     
17.06 of the SEC Division of Corporation Finance Manual of Publicly Available   
Telephone Interpretations ("Interpretation 17.06"). As permitted by             
Interpretation 17.06, the Company has asserted that it has policies and         

KPMG LLP, a U.S. limited liability partnership, in the U.S. member firm         
of KPMG International, a Swiss cooperation.                                     

(page)                                                                          

(logo) KPMG                                                                     

procedures in place designed to provide assurance that the vendors' activities  
comply in all material respects with the servicing criteria applicable to each  
vendor. The Company is solely responsible for determining that it meets the SEC 
requirements to apply Interpretation 17.06 for the vendors and related criteria 
as described in its assertion, and we performed no procedures with respect to   
the Company's eligibility to apply Interpretation 17.06.                        

Our examination disclosed material noncompliance with criterion 1122(d)(3)(i),  
as applicable to the Company during the twelve months ended December 31, 2006.  
Certain monthly investor or remittance reports included errors in the           
calculation and/or the reporting of delinquencies for the pool assets.          

In our opinion, except for the material non-compliance described above, the     
Company complied, in all material respects, with the aforementioned servicing   
criteria, including servicing criteria for which compliance is determined based 
on Interpretation 17.06 as discussed above, as of and for the twelve months     
ended December 31, 2006.                                                        

/s/ KPMG LLP                                                                    

Chicago, IL 60601                                                               
March 1, 2007                                                                   

EX-34 (h)                                                                       
(logo) KPMG                                                                     

KPMG LLP                                                                        
303 East Wacker Drive                                                           
Chicago, IL 60601-5212                                                          

Report of Independent Registered Public Accounting Firm                         

The Board of Directors                                                          
The Corporate Trust Services division of Wells Fargo Bank National Association: 

We have examined management's assertion, included in the accompanying Appendix  
I, that the Document Custody section of the Corporate Trust Services division of
Wells Fargo Bank National Association complied with the servicing criteria set  
forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB 
for publicly-issued (i.e., transaction-level reporting required under the       
Securities Exchange Act of 1934, as amended) residential mortgage-backed        
securities and commercial mortgage-backed securities issued on or after January 
1, 2006 for which the Company provides document custody services, excluding any 
publicly issued transactions issued by any government sponsored entity (the     
Platform) as of and for the twelve months ended December 31, 2006. Management   
has determined that servicing criteria 1122(d)(4)(i) and 1122(d)(4)(ii) are     
applicable to the activities it performs with respect to the Platform, and that 
all other servicing criteria set forth in Item 1122(d) are not applicable to the
document custody services provided by the Company with respect to the Platform. 
Management is responsible for the Company's compliance with those servicing     
criteria. Our responsibility is to express an opinion on management's assertion 
about the Company's compliance based on our examination.                        

Our examination was conducted in accordance with the standards of the Public    
Company Accounting Oversight Board (United States) and, accordingly, included   
examining, on a test basis, evidence about the Company's compliance with the    
servicing criteria specified above and performing such other procedures as we   
considered necessary in the circumstances. Our examination included testing of  
less than all of the individual asset-backed transactions and securities that   
comprise the Platform, testing of less than all of the servicing activities     
related to the Platform, and determining whether the Company processed those    
selected transactions and performed those selected activities in compliance with
the servicing criteria. Furthermore, our procedures were limited to the selected
transactions and servicing activities performed by the Company during the period
covered by this report. Our procedures were not designed to determine whether   
errors may have occurred either prior to or subsequent to our tests that may    
have affected the balances or amounts calculated or reported by the Company     
during the period covered by this report for the selected transactions or any   
other transactions. 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 servicing criteria.                               

In our opinion, management's assertion that the Company complied with the       
aforementioned servicing criteria as of and for the period ended December 31,   
2006 is fairly stated, in all material respects.                                

/s/ KPMG LLP                                                                    

Chicago, Illinois                                                               
March 1, 2007                                                                   

KPMG LLP, a U.S. limited liability partnership, is the U.S. member firm of KPMG 
International, a Swiss cooperative.                                             

EX-34 (i)                                                                       
(logo) ERNST & YOUNG                                                            

Ernst & Young LLP                                                               
Suite 2800                                                                      
600 Peachtree Street                                                            
Atlanta, Georgia 30308-2215                                                     

Phone: (404) 874-8300                                                           
www.ey.com                                                                      

Report of Independent Registered Public Accounting Firm                         

We have examined management's assertion, included in the accompanying Report on 
Assessment of Compliance with Securities and Exchange Commission's Regulation AB
Servicing Criteria, that ZC Sterling Insurance Agency, Inc. (the Company)       
complied with certain servicing criteria set forth in Item 1122(d) of the       
Securities and Exchange Commission's Regulation AB for the ZC Sterling          
Integrated Product Solution (ZIPS) hazard insurance outsourcing Platform        
(Platform) as of and for the year ended December 31, 2006. The Company has      
determined that only certain servicing criteria 1122 (d) 1(iv), 1122 (d) 2(vi), 
1122 (d) 4(xi), 1122 (d) 4(xii), and 1122 (d) 4(xiii) are applicable to the     
activities performed by them with respect to the Platform covered by this       
report. The Company has determined that the remaining servicing criteria set    
forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB 
are not applicable to the activities performed by them with respect to the      
Platform covered by this report. See Appendix A of management's assertion for   
the Platform covered by this report. Management is responsible for the Company's
compliance with those servicing criteria, Our responsibility is to express an   
opinion on management's assertion about the Company's compliance with the       
servicing criteria based on our examination.                                    

Our examination was conducted in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis, evidence about the Company's compliance with the applicable    
servicing criteria and performing such other procedures as we considered        
necessary in the circumstances. Our examination included testing of less than   
all of the servicing activities related to the Platform, and determining whether
the Company performed those selected activities in compliance with the servicing
criteria. Furthermore, our procedures were limited to the servicing activities  
performed by the Company during the period covered by this report. Our          
procedures were not designed to determine whether errors may have occurred      
either prior to or subsequent to our tests that may have affected the balances  
or amounts calculated or reported by the Company during the period covered by   
this report for the Platform. 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 servicing criteria.          

In our opinion, management's assertion that the Company complied with the       
aforementioned servicing criteria as of and for the year ended December 31, 2006
for the ZIPS Platform is fairly stated, in all material respects.               

/s/ Ernst & Young LLP                                                           

February 20, 2007                                                               

A Member Practice of Ernst & Young Global                                       

EX-35 (f)                                                                       
(logo) WELLS FARGO HOME MORTGAGE                                                

Wells Fargo Home Mortgage                                                       
One Home Campus                                                                 
Des Moines, IA 50328-0001                                                       

Wells Fargo Bank, N.A.                                                          
Servicer Compliance Statement                                                   

1. I, John B. Brown, Senior Vice President of Wells Fargo Bank, N.A. ("Wells    
Fargo") hereby state that a review of the activities of Wells Fargo during the  
calendar year 2006 and of Wells Fargo's performance under the servicing         
agreement(s) listed on the attached Exhibit A (the "Servicing Agreement(s)") has
been made under my supervision.                                                 

2. To the best of my knowledge, based on such review, Wells Fargo has fulfilled 
all of its obligations under the Servicing Agreement(s) in all material respects
throughout 2006.                                                                

/s/ John B. Brown                                                               
John B. Brown                                                                   
Senior Vice President                                                           
Wells Fargo Bank, N.A.                                                          

March 1, 2007                                                                   

Wells Fargo Home Mortgage                                                       
is a division of Wells Fargo Bank, N.A.                                         

(page)                                                                          

                                                        [Enlarge/Download Table]

                                                                                                                 

                Series                                                                Shelf                      
BNC 2006-2      BNC Mortgage Loan Trust 2006-2                                        Lehman          106     713
BAF 2006-7      Banc of America Funding 2006-7 Trust                                  Bank of America 106     S05
BAF 2006-8T2    Banc of America Funding 2006-8T2 Trust                                Bank of America 106     S06
BAF 2006-G      Banc of America Funding 2006-G Trust                                  Bank of America 708     444
BST 2006-2      Bear Steams ARM Trust 2006-2                                          Bear Stearns    708     342
BSL 2006-5      Bear Steams ALT-A Trust 2006-5                                        Bear Stearns    708     348
BSA 2006-3      Bear Steams Asset Backed Securities I Trust 2006-3                    Bear Stearns    708     368
BSL 2006-4      Bear Stearns ALT-A Trust 2006-4                                       Bear Stearns    708     369
BSA 2006-SD4    Bear Steams Asset Backed Securities Trust 2006-SD4                    Bear Stearns    708     457
CMLTI 2006-FX1  Citigroup Mortgage Loan Trust 2006-FX1                                Citigroup       106     C19
DAL 2006-AR6    Deutsche Alt-A Securities Mortgage Loan Trust, Series 2006-AR6        Deutsche        106     X20
GSA 2006-15     GSAA Home Equity Trust 2006-15                                        Goldman Sachs   106     G15
GSA 2006-8      GSAA Home Equity Trust 2006-8                                         Goldman Sachs   708     B77
JPMMT 2006-S3   J.P. Morgan Mortgage Trust 2006-S3                                    JP Morgan       708     380
JPMMT 2006-A6   J.P. Morgan Mortgage Trust 2006-A6                                    JP Morgan       708     455
JPMMT 2006-Al   J.P. Morgan Mortgage Trust 2006-Al                                    JP Morgan       708     B10
JPMAC 2006-WF1  J.P. Morgan Mortgage Acquisition Trust 2006-WF1                       JP Morgan       708-396    
SAIL 2006-BN1   Structured Asset Investment Loan Trust 2006-BNC1                      Lehman          106     713
SAIL 2006-BN2   Structured Asset Investment Loan Trust 2006-BNC2                      Lehman          106     717
SAIL 2006-BN3   Structured Asset Investment Loan Trust 2006-BNC3                      Lehman          106     725
SARM 2006-5     Structured Adjustable Rate Mortgage Loan Trust, Series 2006-5         Lehman          708     345
SAIL 2006-4     Structured Asset Investment Loan Trust 2006-4                         Lehman          708     364
SASC 2006-WF2   Structured Asset Securities Corporation Mortgage Loan Trust 2006-WF2  Lehman          708     367
SARM 2006-6     Structured Adjustable Rate Mortgage Loan Trust, Series 2006-6         Lehman          708     373
SASC 2006-WF3   Structured Asset Securities Corporation Mortgage Loan Trust 2006-WF3  Lehman          708     441
LMT 2006-5      Lehman Mortgage Trust 2006-5                                          Lehman          708     442
SARM 2006-8     Structured Adjustable Rate Mortgage Loan Trust, Series 2006-8         Lehman          708     450
SAIL 2006-1     Structured Asset Investment Loan Trust 2006-1                         Lehman          708     B02
SARM 2006-2     Structured Adjustable Rate Mortgage Loan Trust, Series 2006-2         Lehman          708     B40
SASC 2006-BC1   Structured Asset Securities Corporation Mortgage Loan Trust 2006-BC1  Lehman          708     B41
SAIL 2006-2     Structured Asset Investment Loan Trust 2006-2                         Lehman          708     B47
SARM 2006-1     Structured Adjustable Rate Mortgage Loan Trust, Series 2006-1         Lehman          708     B56
SASC 2006-WF1   Structured Asset Securities Corporation Mortgage Loan Trust 2006-WF1  Lehman          708     B58
SARM 2006-4     Structured Adjustable Rate Mortgage Loan Trust, Series 2006-4         Lehman          708     B76
SASC 2006-AM1   Structured Asset Securities Corporation Mortgage Loan Trust 2006-AM1  Lehman          103     716
MLM 2006-A04    Merrill Lynch Mortgage Investors Trust, Series 2006-A4                Merrill Lynch   708     376
MLM 2006-AF1    Merrill Lynch Mortgage Investors Trust, Series 2006-AF1               Merrill Lynch   708     454
MLC 2006-3      Merrill Lynch Mortgage Investors Trust, Series MLCC 2006-3            Merrill Lynch   708     832
MLM 2006-A03    Merrill Lynch Mortgage Investors Trust, Series 2006-A3                Merrill Lynch   708     B31
MSML 2006-2     Morgan Stanley Mortgage Loan Trust 2006-2                             Morgan Stanley  106     P39
MSML 2006-7     Morgan Stanley Mortgage Loan Trust 2006-7                             Morgan Stanley  106     P46
MSML 2006-11    Morgan Stanley Mortgage Loan Trust 2006-11                            Morgan Stanley  106     P56
MSML 2006-12X   Morgan Stanley Mortgage Loan Trust 2006-12XS                          Morgan Stanley  106     P65
MSML 2006-13AR  Morgan Stanley Mortgage Loan Trust 2006-13ARX                         Morgan Stanley  106     P66


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                                                        [Enlarge/Download Table]

                                                                                                             

NHEL 2006-WF1   Nomura Home Equity Loan, Inc., Home Equity Loan Trust, Series 2006-WF1  Nomura       106  Q54
NHEL 2006-HE1   Nomura Home Equity Loan, Inc., Home Equity Loan Trust, Series 2006-HE1  Nomura       708  H02
MASTR 2006-1    Mastr Asset Securitization Trust 2006-1                                 UBS          708  H02
MARM 2006-2     MASTR Adjustable Rate Mortgages Trust 2006-2                            UBS          708  H04
MASTR 2006-2    MASTR Asset Securitization Trust 2006-2                                 UBS          708  Q54
WFHET 2006-3    Wells Fargo Home Equity Asset-Backed Securities 2006-3 Trust            Wells Fargo  708  843
WFMBS 2006-1    Wells Fargo Mortgage Backed Securities 2006-1 Trust                     Wells Fargo  708  JD 
WFMBS 2006-2    Wells Fargo Mortgage Backed Securities 2006-2 Trust                     Wells Fargo  708  JD 
WFMBS 2006-3    Wells Fargo Mortgage Backed Securities 2006-3                           Wells Fargo  708  JD 
WFMBS 2006-4    Wells Fargo Mortgage Backed Securities 2006-4 Trust                     Wells Fargo  708  JD 
WFMBS 2006-5    Wells Fargo Mortgage Backed Securities 2006-5 Trust                     Wells Fargo  708  JD 
WFMBS 2006-6    Wells Fargo Mortgage Backed Securities 2006-6 Trust                     Wells Fargo  708  JD 
WFMBS 2006-7    Wells Fargo Mortgage Backed Securities 2006-7 Trust                     Wells Fargo  708  JD 
WFMBS 2006-8    Wells Fargo Mortgage Backed Securities 2006-8 Trust                     Wells Fargo  708  JD 
WFMBS 2006-9    Wells Fargo Mortgage Backed Securities 2006-9 Trust                     Wells Fargo  708  JD 
WFMBS 2006-10   Wells Fargo Mortgage Backed Securities 2006-10 Trust                    Wells Fargo  708  JD 
WFMBS 2006-11   Wells Fargo Mortgage Backed Securities 2006-11 Trust                    Wells Fargo  708  JD 
WFMBS 2006-12   Wells Fargo Mortgage Backed Securities 2006-12 Trust                    Wells Fargo  708  JD 
WFMBS 2006-13   Wells Fargo Mortgage Backed Securities 2006-13 Trust                    Wells Fargo  708  JD 
WFMBS 2006-14   Wells Fargo Mortgage Backed Securities 2006-14 Trust                    Wells Fargo  708  JD 
WFMBS 2006-15   Wells Fargo Mortgage Backed Securities 2006-15 Trust                    Wells Fargo  708  JD 
WFMBS 2006-16   Wells Fargo Mortgage Backed Securities 2006-16 Trust                    Wells Fargo  708  JD 
WFMBS 2006-17   Wells Fargo Mortgage Backed Securities 2006-17 Trust                    Wells Fargo  708  JD 
WFMBS 2006-18   Wells Fargo Mortgage Backed Securities 2006-18 Trust                    Wells Fargo  708  JD 
WFMBS 2006-19   Wells Fargo Mortgage Backed Securities 2006-19 Trust                    Wells Fargo  708  JD 
WFMBS 2006-20   Wells Fargo Mortgage Backed Securities 2006-20 Trust                    Wells Fargo  708  JD 
WFMBS 2006-A10  Wells Fargo Mortgage Backed Securities 2006-AR10 Trust                  Wells Fargo  708  JD 
WFMBS 2006-Al1  Wells Fargo Mortgage Backed Securities 2006-AR11 Trust                  Wells Fargo  708  JD 
WFMBS 2006-A12  Wells Fargo Mortgage Backed Securities 2006-AR12 Trust                  Wells Fargo  708  JD 
WFMBS 2006-A13  Wells Fargo Mortgage Backed Securities 2006-AR13 Trust                  Wells Fargo  708  JD 
WFMBS 2006-A14  Wells Fargo Mortgage Backed Securities 2006-AR14 Trust                  Wells Fargo  708  JD 
WFMBS 2006-A15  Wells Fargo Mortgage Backed Securities 2006-AR15 Trust                  Wells Fargo  708  JD 
WFMBS 2006-A16  Wells Fargo Mortgage Backed Securities 2006-AR16 Trust                  Wells Fargo  708  JD 
WFMBS 2006-A17  Wells Fargo Mortgage Backed Securities 2006-AR17 Trust                  Wells Fargo  708  JD 
WFMBS 2006-A18  Wells Fargo Mortgage Backed Securities 2006-AR18 Trust                  Wells Fargo  708  JD 
WFMBS 2006-A19  Wells Fargo Mortgage Backed Securities 2006-AR19 Trust                  Wells Fargo  708  JD 
WFMBS 2006-AR1  Wells Fargo Mortgage Backed Securities 2006-AR1 Trust                   Wells Fargo  708  JD 
WFMBS 2006-AR2  Wells Fargo Mortgage Backed Securities 2006-AR2 Trust                   Wells Fargo  708  JD 
WFMBS 2006-AR3  Wells Fargo Mortgage Backed Securities 2006-AR3 Trust                   Wells Fargo  708  JD 
WFMBS 2006-AR4  Wells Fargo Mortgage Backed Securities 2006-AR4 Trust                   Wells Fargo  708  JD 
WFMBS 2006-AR5  Wells Fargo Mortgage Backed Securities 2006-AR5 Trust                   Wells Fargo  708  JD 
WFMBS 2006-AR6  Wells Fargo Mortgage Backed Securities 2006-AR6 Trust                   Wells Fargo  708  JD 
WFMBS 2006-AR7  Wells Fargo Mortgage Backed Securities 2006-AR7 Trust                   Wells Fargo  708  JD 
WFMBS 2006-AR8  Wells Fargo Mortgage Backed Securitues 2006-AR8 Trust                   Wells Fargo  708  JD 


EX-35 (g)                                                                       
(logo) WELLS FARGO                                                              

Wells Fargo Bank, N.A.                                                          
Corporate Trust Services                                                        
9062 Old Annapolis Road                                                         
Columbia, MD 21045                                                              
410 884-2000                                                                    

March 20, 2007                                                                  

Wells Fargo Asset Securities Corporation                                        

RE: Annual Statement As To Compliance for Wells Fargo Mortgage Backed           
Securities 2006-15 Trust                                                        

Per Section 3.05 of the Pooling and Servicing Agreement, dated as of 10/30/2006,
the undersigned Officer of Wells Fargo Bank, N.A., (Master Servicer), hereby    
certifies the following for the 2006 calendar year or portion thereof:          

(i)     an authorized officer of the Master Servicer (or a review has been made 
under his or her supervision of) such party's activities under this Agreement   
during the prior calendar year or portion thereof and                           

(ii)    to the best of such officer's knowledge, based on such review, such     
party has fulfilled all of its obligations under this Agreement in all material 
respects throughout the prior calendar year or portion thereof or, if there has 
been a failure to fulfill any such obligation in any material respect,          
specifying each such failure known to such officer and the nature and status    
thereof.                                                                        

Certified By:                                                                   
/s/ Scott Strack                                                                
Scott Strack, Vice President                                                    

Certified By:                                                                   
/s/ Gordon Johnson                                                              
Gordon Johnson, Assistant Secretary                                             

Dates Referenced Herein   and   Documents Incorporated by Reference

This ‘10-K’ Filing		Date		Other Filings
Filed on:		3/29/07
		3/28/07
		3/20/07
		3/12/07
		3/1/07
		2/22/07
		2/20/07
For Period End:		12/31/06
		11/14/06		8-K
		10/30/06		8-K
		4/27/06
		1/1/06
				List all Filings