Finance America Mortgage Loan Trust 2004-1 – ‘10-K’ for 12/31/04 – EX-99.1 CHARTER

On:  Wednesday, 3/30/05, at 3:42pm ET   ·   For:  12/31/04   ·   Accession #:  1019965-5-96   ·   File #:  333-106925-39

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Annual Report   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML     21K 
 2: EX-99.1 CHARTER  Miscellaneous Exhibit -- ex99_1                   2±     8K 
 4: EX-99.2 BYLAWS  Ex993                                              5±    21K 
 3: EX-99.3 VOTING TRUST  Ex992                                        5±    21K 

EX-99.1 CHARTER   —   Miscellaneous Exhibit — ex99_1

EXHIBIT 99.1 -- Servicer's Annual Statement of Compliance                       

a)                                                                              

AURORA LOAN SERVICES                                                            
A Lehman Brothers Company                                                       

Via UPS                                                                         

February 25, 2005                                                               

Diana Kenneally                                                                 
U.S. Bank National Association                                                  
1 Federal Street, 3rd Floor                                                     
Boston, MA 02110                                                                

RE:     SASCO Series: 2003-20, 2003-25XS, 2003-32, 2003-GEL1, 2003-39EX,        
2004-3, 2004-6XS, 2004-GEL1, 2004-10, 2004-GEL2, 2004-NP1,      
 2004-17XS, 2004-GEL3, 2004-S4, 2004-NP2, AMT 2003-1, FAMLT 2004-1
Annual Officer's Certificate as to Compliance                   

Dear Ms. Kenneally:                                                             

The undersigned Officer certifies the following for the period ending on        
December 31, 2004:                                                              

1.      I have reviewed the activities and performance of the Master            
Servicer during the preceding calendar year under the terms of  
 the Trust Agreements and to the best of this Officer's knowledge,
the Master Servicer has fulfilled all of its duties,            
responsibilities or obligations under the Agreements;           

2.      Based on said review and to the best of this Officer's knowledge,       
the Master Servicer is not in default of its obligations under  
 the terms of the Trust Agreements in any material respect, or, if
there is a default in the fulfillment of its obligations, a     
description of each default or failure and the nature and status
thereof has been reported to this Officer;                      

3.      To the best of this Officer's knowledge, nothing has arose to           
lead this Officer to believe that its Servicer has failed to    
 perform any of its duties, responsibilities and obligations under
its Servicing Agreement during the preceding calendar year;     

4.      To the best of this Officer's knowledge, the Servicer is not in         
default of its obligations under the terms of its Servicing     
Agreement in any material respect, or, if there is a default in 
 the fulfillment of its obligations, a description of each default
 or failure and the nature and status thereof has been reported to
this Officer;                                                   

5.      The Master Servicer has received from its Servicer such Servicer's      
annual certificate of compliance and a copy of such Servicer's  
annual audit report, in each case to the extent required under  
  the applicable Servicing Agreement, or, if any such certificate or
report has not been received by the Master Servicer, the Master 
Servicer is using its best reasonable efforts to obtain such    
certificate or report.                                          

Certified By:                                                                   

/s/ R. Peter Karr                                                               
R. Peter Karr                                                                   
Senior Vice President                                                           
Master Servicing Division                                                       

Dates Referenced Herein

This ‘10-K’ Filing		Date		Other Filings
Filed on:		3/30/05		None on these Dates
		2/25/05
For Period End:		12/31/04
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