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Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2005-7 – ‘8-K’ for 12/27/05

On: Tuesday, 1/3/06, at 11:08am ET · For: 12/27/05 · Accession #: 1056404-6-20 · File #: 333-118843-28

  As Of                Filer                Filing    For·On·As Docs:Size              Issuer               Agent

 1/03/06  Banc of America Alternati… 2005-7 8-K:8,9    12/27/05    1:58K                                    Norwest Asset SEC Co… Tr

Current Report — Form 8-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 8-K         Current Report                                        35±   161K

Document Table of Contents

Page	(sequential)	\|	(alphabetic)	Top
			Alternative Formats (Word, et al.) Financial Statements and Exhibits Other Events
1	1st Page - Filing Submission
"	Item 8.01. Other Events
"	Item 9.01. Financial Statements and Exhibits


 UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
  Washington D. C. 20549

  FORM 8-K

  CURRENT REPORT
  Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

  Date of Report (Date of earliest event reported):  December 27, 2005

  BANC OF AMERICA ALTERNATIVE LOAN TRUST
 Mortgage Pass-Through Certificates, Series 2005-7
  (Exact name of registrant as specified in its charter)

New York (governing law of          333-118843-28                               
Pooling and Servicing Agreement)    (Commission           54-2179613            
(State or other                     File Number)          54-2179614            
jurisdiction                                              54-2179615            
of Incorporation)                                         IRS EIN               

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

(Former name or former address, if changed since last report)     

Check the appropriate box below if the Form 8-K filing is intended to           
simultaneously satisfy the filing obligation of the registrant under any        
of the following provisions (see General Instruction A.2. below):               

[ ] Written communications pursuant to Rule 425 under the Securities Act        
(17 CFR 230.425)                                                        

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act          
(17 CFR 240.14a-12)                                                     

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the         
Exchange Act(17 CFR 240.14d-2(b))                                       

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the         
Exchange Act(17 CFR 240.13e-4(c))                                       

ITEM 8.01  Other Events                                                         

On December 27, 2005 a distribution was made to holders of BANC OF AMERICA    
ALTERNATIVE LOAN TRUST, Mortgage Pass-Through Certificates, Series 2005-7     
Trust.                                                                        

ITEM 9.01  Financial Statements and Exhibits                                    

(c)  Exhibits                                                       

Exhibit Number               Description                  

           EX-99.1                      Monthly report distributed to holders of
                                   Mortgage Pass-Through Certificates,
                                    Series 2005-7 Trust, relating to the
                               December 27, 2005 distribution.

Pursuant to the requirements of the Securities Exchange Act of 1934, the        
registrant has duly caused this report to be signed on its behalf by the        
undersigned hereunto duly authorized.                                           

  BANC OF AMERICA ALTERNATIVE LOAN TRUST
 Mortgage Pass-Through Certificates, Series 2005-7 Trust
  (Registrant)

By:    Wells Fargo Bank, N.A. as Trustee            
By:   /s/   Beth Belfield as Officer                
By:    Beth Belfield as Officer                     
Date:  12/30/2005                                   

 INDEX TO EXHIBITS

Exhibit Number            Description                                           
EX-99.1                   Monthly report distributed to holders of Mortgage     
                   Pass-Through Certificates, Series 2005-7 Trust,
                   relating to the December 27, 2005 distribution.

EX-99.1                                                                       

Banc of America Alternative Loan Trust                                          
Mortgage Pass-Through Certificates                                              

Record Date:             11/30/2005                                             
Distribution Date:       12/27/2005                                             

Banc of America Alternative Loan Trust                                          
Mortgage Pass-Through Certificates                                              
Series 2005-7                                                                   

Contact: Customer Service - CTSLink                                             
Wells Fargo Bank, N.A.                                        
Securities Administration Services                            
7485 New Horizon Way                                          
Frederick, MD 21703                                           
www.ctslink.com                                               
Telephone: (301) 815-6600                                     
Fax:       (301) 815-6660                                     

                                                                [Download Table]

                 Certificateholder Distribution Summary                    

     Class      CUSIP        Certificate            Beginning      Interest
                            Pass-Through          Certificate  Distribution
                                    Rate              Balance              
                                                                           
      CB1   05948KH36           5.50000%        19,277,000.00     88,352.92
      CB2   05948KH44           5.00000%       120,854,767.03    503,561.53
      CB3   05948KH51           4.49375%        30,213,691.76    113,143.98
     CB4IO  05948KH69           3.00625%                 0.00     75,691.59
      CB5   05948KH77           5.50000%        11,087,000.00     50,815.42
      CBR   05948KH85           5.50000%                 0.00          0.00
     2CB1   05948KH93           6.00000%        97,147,286.15    485,736.43
     3CB1   05948KJ26           6.00000%        68,203,603.37    341,018.02
     CBIO   05948KJ34           5.50000%                 0.00     53,291.89
     CBPO   05948KJ42           0.00000%           730,065.62          0.00
      B1    05948KJ59           5.74291%         5,974,411.44     28,592.07
      B2    05948KJ67           5.74291%         2,799,945.07     13,399.85
      B3    05948KJ75           5.74291%         2,240,155.27     10,720.83
      B4    05948KJ83           5.74291%         1,306,840.25      6,254.22
      B5    05948KJ91           5.74291%         1,306,840.25      6,254.22
      B6    05948KK24           5.74291%           933,697.85      4,468.45
      RL    BAA0507RL           0.00000%                 0.00          0.00
      RM    BAA0507RM           0.00000%                 0.00          0.00

Totals                                         362,075,304.06  1,781,301.42

                                                        [Enlarge/Download Table]


                             Certificateholder Distribution Summary (continued)                           

     Class              Principal           Current             Ending              Total      Cummulative
                     Distribution          Realized        Certificate       Distribution         Realized
                                               Loss            Balance                              Losses
                                                                                                          
      CB1                    0.00              0.00      19,277,000.00          88,352.92             0.00
      CB2              684,545.80              0.00     120,170,221.22       1,188,107.33             0.00
      CB3              171,136.45              0.00      30,042,555.31         284,280.43             0.00
     CB4IO                   0.00              0.00               0.00          75,691.59             0.00
      CB5                    0.00              0.00      11,087,000.00          50,815.42             0.00
      CBR                    0.00              0.00               0.00               0.00             0.00
     2CB1            1,054,871.18              0.00      96,092,414.98       1,540,607.61             0.00
     3CB1              394,703.06              0.00      67,808,900.31         735,721.08             0.00
     CBIO                    0.00              0.00               0.00          53,291.89             0.00
     CBPO                  878.28              0.00         729,187.34             878.28             0.00
      B1                 6,004.45              0.00       5,968,406.99          34,596.52             0.00
      B2                 2,814.02              0.00       2,797,131.05          16,213.87             0.00
      B3                 2,251.42              0.00       2,237,903.85          12,972.25             0.00
      B4                 1,313.41              0.00       1,305,526.84           7,567.63             0.00
      B5                 1,313.41              0.00       1,305,526.84           7,567.63             0.00
      B6                   938.35              0.00         932,759.50           5,406.80             0.00
      RL                     0.00              0.00               0.00               0.00             0.00
      RM                     0.00              0.00               0.00               0.00             0.00

Totals               2,320,769.83              0.00     359,754,534.23       4,102,071.25             0.00

<FN>                                                                                                      

This report has been compiled from information provided to Wells Fargo Bank, N.A., by various             
third parties, which may include the Servicer, Master Servicer, Special Servicer and others.              
Wells Fargo Bank, N.A., has not independently confirmed the accuracy of information received              
from these third parties and assumes no duty to do so.Wells Fargo Bank, N.A., expressly                   
disclaims any responsibility for the accuracy or completeness of information furnished by                 
third parties.                                                                                            

</FN>                                                                                                     

                                                        [Enlarge/Download Table]


                                     Principal Distribution Statement                                 

    Class        Original       Beginning          Scheduled          UnScheduled  Accretion  Realized
                     Face     Certificate          Principal            Principal                 Loss
                   Amount         Balance       Distribution         Distribution                     
                                                                                                      
     CB1    19,277,000.00   19,277,000.00               0.00                 0.00       0.00      0.00
     CB2   123,372,000.00  120,854,767.03         151,735.28           532,810.52       0.00      0.00
     CB3    30,843,000.00   30,213,691.76          37,933.82           133,202.63       0.00      0.00
    CB4IO            0.00            0.00               0.00                 0.00       0.00      0.00
     CB5    11,087,000.00   11,087,000.00               0.00                 0.00       0.00      0.00
     CBR           100.00            0.00               0.00                 0.00       0.00      0.00
     2CB1  103,936,000.00   97,147,286.15          92,135.96           962,735.21       0.00      0.00
     3CB1   70,951,000.00   68,203,603.37          67,019.01           327,684.05       0.00      0.00
     CBIO            0.00            0.00               0.00                 0.00       0.00      0.00
     CBPO      744,414.00      730,065.62             836.50                41.78       0.00      0.00
      B1     5,998,000.00    5,974,411.44           6,004.45                 0.00       0.00      0.00
      B2     2,811,000.00    2,799,945.07           2,814.02                 0.00       0.00      0.00
      B3     2,249,000.00    2,240,155.27           2,251.42                 0.00       0.00      0.00
      B4     1,312,000.00    1,306,840.25           1,313.41                 0.00       0.00      0.00
      B5     1,312,000.00    1,306,840.25           1,313.41                 0.00       0.00      0.00
      B6       937,384.00      933,697.85             938.35                 0.00       0.00      0.00
      RL             0.00            0.00               0.00                 0.00       0.00      0.00
      RM             0.00            0.00               0.00                 0.00       0.00      0.00

Totals     374,829,898.00  362,075,304.06         364,295.63         1,956,474.19       0.00      0.00

                                                                [Download Table]


               Principal Distribution Statement (continued)                 

     Class         Total             Ending             Ending         Total
               Principal        Certificate        Certificate     Principal
               Reduction            Balance         Percentage  Distribution
                                                                            
      CB1           0.00      19,277,000.00           1.000000          0.00
      CB2     684,545.80     120,170,221.22           0.974048    684,545.80
      CB3     171,136.45      30,042,555.31           0.974048    171,136.45
     CB4IO          0.00               0.00           0.000000          0.00
      CB5           0.00      11,087,000.00           1.000000          0.00
      CBR           0.00               0.00           0.000000          0.00
     2CB1   1,054,871.18      96,092,414.98           0.924534  1,054,871.18
     3CB1     394,703.06      67,808,900.31           0.955715    394,703.06
     CBIO           0.00               0.00           0.000000          0.00
     CBPO         878.28         729,187.34           0.979545        878.28
      B1        6,004.45       5,968,406.99           0.995066      6,004.45
      B2        2,814.02       2,797,131.05           0.995066      2,814.02
      B3        2,251.42       2,237,903.85           0.995066      2,251.42
      B4        1,313.41       1,305,526.84           0.995066      1,313.41
      B5        1,313.41       1,305,526.84           0.995066      1,313.41
      B6          938.35         932,759.50           0.995067        938.35
      RL            0.00               0.00           0.000000          0.00
      RM            0.00               0.00           0.000000          0.00

Totals      2,320,769.83     359,754,534.23           0.959781  2,320,769.83


                                                        [Enlarge/Download Table]


                       Principal Distribution Factors Statement                         

Class        Original     Beginning             Scheduled         UnScheduled  Accretion
                 Face   Certificate             Principal           Principal           
               Amount       Balance          Distribution        Distribution           
                                                                                        
 CB1    19,277,000.00   1000.000000              0.000000            0.000000   0.000000
 CB2   123,372,000.00    979.596400              1.229900            4.318731   0.000000
 CB3    30,843,000.00    979.596400              1.229900            4.318731   0.000000
CB4IO            0.00      0.000000              0.000000            0.000000   0.000000
 CB5    11,087,000.00   1000.000000              0.000000            0.000000   0.000000
 CBR           100.00      0.000000              0.000000            0.000000   0.000000
2CB1   103,936,000.00    934.683711              0.886468            9.262769   0.000000
3CB1    70,951,000.00    961.277549              0.944582            4.618456   0.000000
CBIO             0.00      0.000000              0.000000            0.000000   0.000000
CBPO       744,414.00    980.725268              1.123703            0.056125   0.000000
 B1      5,998,000.00    996.067262              1.001075            0.000000   0.000000
 B2      2,811,000.00    996.067261              1.001074            0.000000   0.000000
 B3      2,249,000.00    996.067261              1.001076            0.000000   0.000000
 B4      1,312,000.00    996.067264              1.001075            0.000000   0.000000
 B5      1,312,000.00    996.067264              1.001075            0.000000   0.000000
 B6        937,384.00    996.067620              1.001031            0.000000   0.000000
 RL              0.00      0.000000              0.000000            0.000000   0.000000
 RM              0.00      0.000000              0.000000            0.000000   0.000000

                                                        [Enlarge/Download Table]


                                    Principal Distribution Factors Statement (continued)                           

    Class                 Realized                  Total                Ending                Ending         Total
                              Loss              Principal           Certificate           Certificate     Principal
                                                Reduction               Balance            Percentage  Distribution
                                                                                                                   
     CB1                  0.000000               0.000000          1,000.000000              1.000000      0.000000
     CB2                  0.000000               5.548632            974.047768              0.974048      5.548632
     CB3                  0.000000               5.548632            974.047768              0.974048      5.548632
    CB4IO                 0.000000               0.000000              0.000000              0.000000      0.000000
     CB5                  0.000000               0.000000          1,000.000000              1.000000      0.000000
     CBR                  0.000000               0.000000              0.000000              0.000000      0.000000
     2CB1                 0.000000              10.149238            924.534473              0.924534     10.149238
     3CB1                 0.000000               5.563037            955.714512              0.955715      5.563037
     CBIO                 0.000000               0.000000              0.000000              0.000000      0.000000
     CBPO                 0.000000               1.179827            979.545441              0.979545      1.179827
      B1                  0.000000               1.001075            995.066187              0.995066      1.001075
      B2                  0.000000               1.001074            995.066186              0.995066      1.001074
      B3                  0.000000               1.001076            995.066185              0.995066      1.001076
      B4                  0.000000               1.001075            995.066189              0.995066      1.001075
      B5                  0.000000               1.001075            995.066189              0.995066      1.001075
      B6                  0.000000               1.001031            995.066590              0.995067      1.001031
      RL                  0.000000               0.000000              0.000000              0.000000      0.000000
      RM                  0.000000               0.000000              0.000000              0.000000      0.000000
<FN>                                                                                                               
All classes are per 1,000 dollar denomination.                                                                     
</FN>                                                                                                              

                                                        [Enlarge/Download Table]


                                          Interest Distribution Statement                                    

     Class       Accrual         Accrual            Current          Beginning       Current      Payment of 
                  Dates            Days         Certificate       Certificate/       Accrued  Unpaid Interest
                                                       Rate   Notional Balance      Interest        Shortfall
                                                                                                             
      CB1   11/01/05 - 11/30/05     30             5.50000%      19,277,000.00     88,352.92             0.00
      CB2   11/01/05 - 11/30/05     30             5.00000%     120,854,767.03    503,561.53             0.00
      CB3   11/25/05 - 12/24/05     30             4.49375%      30,213,691.76    113,143.98             0.00
     CB4IO  11/25/05 - 12/24/05     30             3.00625%      30,213,691.76     75,691.59             0.00
      CB5   11/01/05 - 11/30/05     30             5.50000%      11,087,000.00     50,815.42             0.00
      CBR                   N/A    N/A             5.50000%               0.00          0.00             0.00
     2CB1   11/01/05 - 11/30/05     30             6.00000%      97,147,286.15    485,736.43             0.00
     3CB1   11/01/05 - 11/30/05     30             6.00000%      68,203,603.37    341,018.02             0.00
     CBIO   11/01/05 - 11/30/05     30             5.50000%      11,627,320.75     53,291.89             0.00
     CBPO                   N/A    N/A             0.00000%         730,065.62          0.00             0.00
      B1    11/01/05 - 11/30/05     30             5.74291%       5,974,411.44     28,592.07             0.00
      B2    11/01/05 - 11/30/05     30             5.74291%       2,799,945.07     13,399.85             0.00
      B3    11/01/05 - 11/30/05     30             5.74291%       2,240,155.27     10,720.83             0.00
      B4    11/01/05 - 11/30/05     30             5.74291%       1,306,840.25      6,254.22             0.00
      B5    11/01/05 - 11/30/05     30             5.74291%       1,306,840.25      6,254.22             0.00
      B6    11/01/05 - 11/30/05     30             5.74291%         933,697.85      4,468.45             0.00
      RL                    N/A    N/A             0.00000%               0.00          0.00             0.00
      RM                    N/A    N/A             0.00000%               0.00          0.00             0.00
Totals                                                                          1,781,301.42             0.00


                                                        [Enlarge/Download Table]

                                     Interest Distribution Statement (continued)                                 

      Class                Current       Non-Supported             Total          Remaining                Ending
                          Interest            Interest          Interest    Unpaid Interest  Certificate/Notional
                      Shortfall(1)           Shortfall      Distribution       Shortfall(2)               Balance
                                                                                                                 
       CB1                    0.00                0.00         88,352.92               0.00         19,277,000.00
       CB2                    0.00                0.00        503,561.53               0.00        120,170,221.22
       CB3                    0.00                0.00        113,143.98               0.00         30,042,555.31
      CB4IO                   0.00                0.00         75,691.59               0.00         30,042,555.31
       CB5                    0.00                0.00         50,815.42               0.00         11,087,000.00
       CBR                    0.00                0.00              0.00               0.00                  0.00
      2CB1                    0.00                0.00        485,736.43               0.00         96,092,414.98
      3CB1                    0.00                0.00        341,018.02               0.00         67,808,900.31
      CBIO                    0.00                0.00         53,291.89               0.00         11,496,573.89
      CBPO                    0.00                0.00              0.00               0.00            729,187.34
       B1                     0.00                0.00         28,592.07               0.00          5,968,406.99
       B2                     0.00                0.00         13,399.85               0.00          2,797,131.05
       B3                     0.00                0.00         10,720.83               0.00          2,237,903.85
       B4                     0.00                0.00          6,254.22               0.00          1,305,526.84
       B5                     0.00                0.00          6,254.22               0.00          1,305,526.84
       B6                     0.00                0.00          4,468.45               0.00            932,759.50
       RL                     0.00                0.00              0.00               0.00                  0.00
       RM                     0.00                0.00              0.00               0.00                  0.00

Totals                        0.00                0.00      1,781,301.42               0.00                      
<FN>                                                                                                             
(1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable                                     
</FN>                                                                                                            

                                                         [Enlarge/Download Table]
                                                                                                         

                                     Interest Distribution Factors Statement                             

Class         Accrual             Original       Current            Beginning    Current      Payment of 
               Dates                  Face   Certificate  Certificate/Notional   Accrued  Unpaid Interest
                                    Amount          Rate               Balance  Interest        Shortfall
                                                                                                         
 CB1   11/01/05 - 11/30/05   19,277,000.00      5.50000%           1000.000000  4.583334         0.000000
 CB2   11/01/05 - 11/30/05  123,372,000.00      5.00000%            979.596400  4.081652         0.000000
 CB3   11/25/05 - 12/24/05   30,843,000.00      4.49375%            979.596400  3.668384         0.000000
CB4IO  11/25/05 - 12/24/05            0.00      3.00625%            979.596400  2.454093         0.000000
 CB5   11/01/05 - 11/30/05   11,087,000.00      5.50000%           1000.000000  4.583334         0.000000
 CBR   N/A                          100.00      5.50000%              0.000000  0.000000         0.000000
2CB1   11/01/05 - 11/30/05  103,936,000.00      6.00000%            934.683711  4.673419         0.000000
3CB1   11/01/05 - 11/30/05   70,951,000.00      6.00000%            961.277549  4.806388         0.000000
CBIO   11/01/05 - 11/30/05            0.00      5.50000%            951.771923  4.362288         0.000000
CBPO   N/A                      744,414.00      0.00000%            980.725268  0.000000         0.000000
 B1    11/01/05 - 11/30/05    5,998,000.00      5.74291%            996.067262  4.766934         0.000000
 B2    11/01/05 - 11/30/05    2,811,000.00      5.74291%            996.067261  4.766933         0.000000
 B3    11/01/05 - 11/30/05    2,249,000.00      5.74291%            996.067261  4.766932         0.000000
 B4    11/01/05 - 11/30/05    1,312,000.00      5.74291%            996.067264  4.766936         0.000000
 B5    11/01/05 - 11/30/05    1,312,000.00      5.74291%            996.067264  4.766936         0.000000
 B6    11/01/05 - 11/30/05      937,384.00      5.74291%            996.067620  4.766936         0.000000
 RL    N/A                            0.00      0.00000%              0.000000  0.000000         0.000000
 RM    N/A                            0.00      0.00000%              0.000000  0.000000         0.000000

                                                        [Enlarge/Download Table]

                                      Interest Distribution Factors Statement (continued)                                 

     Class                   Current          Non-Supported                 Total       Remaining Unpaid           Ending 
                            Interest               Interest              Interest               Interest      Certificate/
                        Shortfall(1)              Shortfall          Distribution           Shortfall(2)  Notional Balance
                                                                                                                          
      CB1                   0.000000               0.000000              4.583334               0.000000       1000.000000
      CB2                   0.000000               0.000000              4.081652               0.000000        974.047768
      CB3                   0.000000               0.000000              3.668384               0.000000        974.047768
     CB4IO                  0.000000               0.000000              2.454093               0.000000        974.047768
      CB5                   0.000000               0.000000              4.583334               0.000000       1000.000000
      CBR                   0.000000               0.000000              0.000000               0.000000          0.000000
     2CB1                   0.000000               0.000000              4.673419               0.000000        924.534473
     3CB1                   0.000000               0.000000              4.806388               0.000000        955.714512
     CBIO                   0.000000               0.000000              4.362288               0.000000        941.069441
     CBPO                   0.000000               0.000000              0.000000               0.000000        979.545441
      B1                    0.000000               0.000000              4.766934               0.000000        995.066187
      B2                    0.000000               0.000000              4.766933               0.000000        995.066186
      B3                    0.000000               0.000000              4.766932               0.000000        995.066185
      B4                    0.000000               0.000000              4.766936               0.000000        995.066189
      B5                    0.000000               0.000000              4.766936               0.000000        995.066189
      B6                    0.000000               0.000000              4.766936               0.000000        995.066590
      RL                    0.000000               0.000000              0.000000               0.000000          0.000000
      RM                    0.000000               0.000000              0.000000               0.000000          0.000000
<FN>                                                                                                                      
(1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable.                                             

All classes are per 1,000 dollar denomination.                                                                            
</FN>                                                                                                                     

                                                        [Enlarge/Download Table]

                           Certificateholder Component Statement                                 

          Component     Beginning             Ending         Beginning      Ending        Ending 
       Pass-Through      Notional           Notional         Component   Component     Component 
Class           Rate       Balance            Balance           Balance     Balance    Percentage

                                                                                                 
1CBIO       5.50000%  6,655,296.94       6,623,098.09              0.00        0.00  97.82374691%
2CBIO       5.50000%  3,557,288.13       3,481,340.58              0.00        0.00  87.48627786%
3CBIO       5.50000%  1,414,735.68       1,392,135.21              0.00        0.00  94.91226990%
1CBPO       0.00000%          0.00               0.00        658,865.39  658,061.59  98.12880661%
2CBPO       0.00000%          0.00               0.00         30,315.44   30,282.71  97.05063616%
3CBPO       0.00000%          0.00               0.00         40,884.79   40,843.05  95.87345367%

                                                        [Enlarge/Download Table]


                                        CERTIFICATEHOLDER ACCOUNT STATEMENT              

                                                CERTIFICATE ACCOUNT                      

                                                                                         
Beginning Balance                                                                    0.00

Deposits                                                                                 
     Payments of Interest and Principal                                      4,179,464.85
     Reserve Funds and Credit Enhancements                                           0.00
     Proceeds from Repurchased Loans                                                 0.00
     Servicer Advances                                                               0.00
     Realized Loss (Gains, Subsequent Expenses & Recoveries)                         0.00
     Prepayment Penalties                                                            0.00
     Swap/Cap Payments                                                               0.00
Total Deposits                                                               4,179,464.85

Withdrawals                                                                              
     Swap Payments                                                                   0.00
     Reserve Funds and Credit Enhancements                                           0.00
     Reimbursement for Servicer Advances                                             0.00
     Total Administration Fees                                                  77,393.60
     Payment of Interest and Principal                                       4,102,071.25
Total Withdrawals (Pool Distribution Amount)                                 4,179,464.85
Ending Balance                                                                       0.00

                                                                [Download Table]


                                PREPAYMENT/CURTAILMENT INTEREST SHORTFALL      
                                                                               
Total Prepayment/Curtailment Interest Shortfall                            0.00
Servicing Fee Support                                                      0.00

Non-Supported Prepayment/Curtailment Interest Shortfall                    0.00

                                                                [Download Table]


                                        ADMINISTRATION FEES           
                                                                      
Gross Servicing Fee*                                         75,432.35
Wells Fargo Bank, N.A.                                        1,961.25
Supported Prepayment/Curtailment Interest Shortfall               0.00

Total Administration Fees                                    77,393.60
<FN>                                                                  
*Servicer Payees include: BANK OF AMERICA (NY)                        
</FN>                                                                 

                                                                [Download Table]

                                     COLLATERAL STATEMENT                
                                                                         
Collateral Description                                        Mixed Fixed
Weighted Average Gross Coupon                                   6.160139%
Weighted Average Pass-Through Rate                              5.903638%
Weighted Average Remaining Term                                       355

Beginning Scheduled Collateral Loan Count                           2,460
Number Of Loans Paid In Full                                           15
Ending Scheduled Collateral Loan Count                              2,445

Beginning Scheduled Collateral Balance                     362,075,304.37
Ending Scheduled Collateral Balance                        359,754,534.49
Ending Actual Collateral Balance at 30-Nov-2005            360,046,460.58

Monthly P&I Constant                                         2,222,990.89
Special Servicing Fee                                                0.00
Prepayment Penalty Waived Amount                                     0.00
Prepayment Penalty Waived Count                                         0
Prepayment Penalty Paid Amount                                       0.00
Prepayment Penalty Paid Count                                           0
Realized Loss Amount                                                 0.00
Cumulative Realized Loss                                             0.00
Class A Non-PO Optimal Amount                                4,015,989.97
Class AP Deferred Amount                                             0.00

Scheduled Principal                                            364,295.68
Unscheduled Principal                                        1,956,474.20


                                                        [Enlarge/Download Table]

                                  Group Level Collateral Statement                                        

                                                                                                          
Group                                                 1                              2                   3
Collateral Description               Fixed 15 & 30 Year             Fixed 15 & 30 Year  Fixed 15 & 30 Year
Weighted Average Coupon Rate                   5.930467                       6.447691            6.362467
Weighted Average Net Rate                      5.680467                       6.197689            6.112466
Weighted Average Remaining Term                     355                            355                 355
Beginning Loan Count                              1,193                            810                 457
Loans Paid In Full                                    4                              9                   2
Ending Loan Count                                 1,189                            801                 455
Beginning Scheduled Balance              189,578,882.34                 101,381,230.58       71,115,191.45
Ending Scheduled Balance                 188,714,568.80                 100,322,339.88       70,717,625.81
Record Date                                  11/30/2005                     11/30/2005          11/30/2005
Principal And Interest Constant            1,135,172.10                     640,881.47          446,937.32
Scheduled Principal                          198,262.63                      96,152.46           69,880.59
Unscheduled Principal                        666,050.91                     962,738.24          327,685.05
Scheduled Interest                           936,909.47                     544,729.01          377,056.73
Servicing Fee                                 39,495.60                      21,121.09           14,815.66
Master Servicing Fee                               0.00                           0.00                0.00
Trustee Fee                                    1,026.89                         549.15              385.21
FRY Amount                                         0.00                           0.00                0.00
Special Hazard Fee                                 0.00                           0.00                0.00
Other Fee                                          0.00                           0.00                0.00
Pool Insurance Fee                                 0.00                           0.00                0.00
Spread 1                                           0.00                           0.00                0.00
Spread 2                                           0.00                           0.00                0.00
Spread 3                                           0.00                           0.00                0.00
Net Interest                                 896,386.98                     523,058.77          361,855.86
Realized Loss Amount                               0.00                           0.00                0.00
Cumulative Realized Loss                           0.00                           0.00                0.00
Percentage of Cumulative Losses                  0.0000                         0.0000              0.0000
Prepayment Penalty Waived Amount                   0.00                           0.00                0.00
Prepayment Penalty Waived Count                       0                              0                   0
Prepayment Penalty Paid Amount                     0.00                           0.00                0.00
Prepayment Penalty Paid Count                         0                              0                   0
Special Servicing Fee                              0.00                           0.00                0.00
Pass-Through Rate                              5.673967                       6.191189            6.105965

<FN>                                                                                                      

</FN>                                                                                                     
                                                                [Download Table]

                      Group Level Collateral Statement        

                                                              
Group                                                    Total
Collateral Description                             Mixed Fixed
Weighted Average Coupon Rate                          6.160139
Weighted Average Net Rate                             5.910138
Weighted Average Remaining Term                            355
Beginning Loan Count                                     2,460
Loans Paid In Full                                          15
Ending Loan Count                                        2,445
Beginning Scheduled Balance                     362,075,304.37
Ending scheduled Balance                        359,754,534.49
Record Date                                         11/30/2005
Principal And Interest Constant                   2,222,990.89
Scheduled Principal                                 364,295.68
Unscheduled Principal                             1,956,474.20
Scheduled Interest                                1,858,695.21
Servicing Fee                                        75,432.35
Master Servicing Fee                                      0.00
Trustee Fee                                           1,961.25
FRY Amount                                                0.00
Special Hazard Fee                                        0.00
Other Fee                                                 0.00
Pool Insurance Fee                                        0.00
Spread 1                                                  0.00
Spread 2                                                  0.00
Spread 3                                                  0.00
Net Interest                                      1,781,301.61
Realized Loss Amount                                      0.00
Cumulative Realized Loss                                  0.00
Percentage of Cumulative Losses                         0.0000
Prepayment Penalty Waived Amount                          0.00
Prepayment Penalty Waived Count                              0
Prepayment Penalty Paid Amount                            0.00
Prepayment Penalty Paid Count                                0
Special Servicing Fee                                     0.00
Pass-Through Rate                                     5.903638

<FN>                                                          

</FN>                                                         
                                                                [Download Table]


          Additional Reporting - Deal Level            

               Miscellaneous Reporting                 
                                                       
Senior %                                     95.970089%


                                                                [Download Table]


                          Additional Reporting - Group Level             
                                Miscellaneous Reporting                  

                                                                         
1                                                                        
CPR                                                             4.139708%
Subordinate %                                                   3.963348%
Subordinate Prepayment %                                        0.000000%
Senior Prepayment %                                           100.000000%
Senior %                                                       96.036652%
2                                                                        
CPR                                                            10.828468%
Subordinate %                                                   4.147598%
Subordinate Prepayment %                                        0.000000%
Senior Prepayment %                                           100.000000%
Senior %                                                       95.852402%
3                                                                        
CPR                                                             5.396537%
Subordinate %                                                   4.039016%
Subordinate Prepayment %                                        0.000000%
Senior Prepayment %                                           100.000000%
Senior %                                                       95.960984%


                                                        [Enlarge/Download Table]

                             LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT                        

           DELINQUENT          BANKRUPTCY           FORECLOSURE         REO                TOTAL            

                                                                                                            
           No of Loans         No of Loans          No of Loans         No of Loans        No of Loans      
           Principal Balance   Principal Balance    Principal Balance   Principal Balance  Principal Balance

0-29 Days                      1                    0                   0                  1                
                               65,719.54            0.00                0.00               65,719.54        

30 Days    21                  0                    0                   0                  21               
           3,473,293.38        0.00                 0.00                0.00               3,473,293.38     

60 Days    1                   0                    0                   0                  1                
           155,290.02          0.00                 0.00                0.00               155,290.02       

90 Days    0                   0                    0                   0                  0                
           0.00                0.00                 0.00                0.00               0.00             

120 Days   0                   0                    0                   0                  0                
           0.00                0.00                 0.00                0.00               0.00             

150 Days   0                   0                    0                   0                  0                
           0.00                0.00                 0.00                0.00               0.00             

180+ Days  0                   0                    0                   0                  0                
           0.00                0.00                 0.00                0.00               0.00             

Totals     22                  1                    0                   0                  23               
           3,628,583.40        65,719.54            0.00                0.00               3,694,302.94     

           No of Loans         No of Loans          No of Loans         No of Loans        No of Loans      
           Principal Balance   Principal Balance    Principal Balance   Principal Balance  Principal Balance

0-29 Days                      0.040900%            0.000000%           0.000000%          0.040900%        
                               0.018253%            0.000000%           0.000000%          0.018253%        

30 Days    0.858896%           0.000000%            0.000000%           0.000000%          0.858896%        
           0.964679%           0.000000%            0.000000%           0.000000%          0.964679%        

60 Days    0.040900%           0.000000%            0.000000%           0.000000%          0.040900%        
           0.043131%           0.000000%            0.000000%           0.000000%          0.043131%        

90 Days    0.000000%           0.000000%            0.000000%           0.000000%          0.000000%        
           0.000000%           0.000000%            0.000000%           0.000000%          0.000000%        

120 Days   0.000000%           0.000000%            0.000000%           0.000000%          0.000000%        
           0.000000%           0.000000%            0.000000%           0.000000%          0.000000%        

150 Days   0.000000%           0.000000%            0.000000%           0.000000%          0.000000%        
           0.000000%           0.000000%            0.000000%           0.000000%          0.000000%        

180+ Days  0.000000%           0.000000%            0.000000%           0.000000%          0.000000%        
           0.000000%           0.000000%            0.000000%           0.000000%          0.000000%        

Totals     0.899796%           0.040900%            0.000000%           0.000000%          0.940695%        
           1.007810%           0.018253%            0.000000%           0.000000%          1.026063%        

                                                                [Download Table]


                                              OTHER INFORMATION      
                                                                     
Current Period Class A Insufficient Funds                        0.00
Principal Balance of Contaminated Properties                     0.00
Periodic Advance                                                 0.00


                                                        [Enlarge/Download Table]

                                 Delinquency Status By Group                                               

           DELINQUENT         BANKRUPTCY            FORECLOSURE        REO                TOTAL            

                                                                                                           
1                                                                                                          

           No of Loans        No of Loans           No of Loans        No of Loans        No of Loans      
           Principal Balance  Principal Balance     Principal Balance  Principal Balance  Principal Balance
0-29 Days                     0                     0                  0                  0                
                              0.00                  0.00               0.00               0.00             

30 Days    8                  0                     0                  0                  8                
           1,503,129.25       0.00                  0.00               0.00               1,503,129.25     

60 Days    1                  0                     0                  0                  1                
           155,290.02         0.00                  0.00               0.00               155,290.02       

90 Days    0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

120 Days   0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

150 Days   0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

180+ Days  0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

Totals     9                  0                     0                  0                  9                
           1,658,419.27       0.00                  0.00               0.00               1,658,419.27     

0-29 Days                     0.000000%             0.000000%          0.000000%          0.000000%        
                              0.000000%             0.000000%          0.000000%          0.000000%        

30 Days    0.672834%          0.000000%             0.000000%          0.000000%          0.672834%        
           0.795841%          0.000000%             0.000000%          0.000000%          0.795841%        

60 Days    0.084104%          0.000000%             0.000000%          0.000000%          0.084104%        
           0.082219%          0.000000%             0.000000%          0.000000%          0.082219%        

90 Days    0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

120 Days   0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

150 Days   0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

180+ Days  0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

Totals     0.756939%          0.000000%             0.000000%          0.000000%          0.756939%        
           0.878060%          0.000000%             0.000000%          0.000000%          0.878060%        

           DELINQUENT         BANKRUPTCY            FORECLOSURE        REO                TOTAL            

                                                                                                           
2                                                                                                          

           No of Loans        No of Loans           No of Loans        No of Loans        No of Loans      
           Principal Balance  Principal Balance     Principal Balance  Principal Balance  Principal Balance
0-29 Days                     0                     0                  0                  0                
                              0.00                  0.00               0.00               0.00             

30 Days    10                 0                     0                  0                  10               
           1,634,704.07       0.00                  0.00               0.00               1,634,704.07     

60 Days    0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

90 Days    0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

120 Days   0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

150 Days   0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

180+ Days  0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

Totals     10                 0                     0                  0                  10               
           1,634,704.07       0.00                  0.00               0.00               1,634,704.07     

0-29 Days                     0.000000%             0.000000%          0.000000%          0.000000%        
                              0.000000%             0.000000%          0.000000%          0.000000%        

30 Days    1.248439%          0.000000%             0.000000%          0.000000%          1.248439%        
           1.628116%          0.000000%             0.000000%          0.000000%          1.628116%        

60 Days    0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

90 Days    0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

120 Days   0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

150 Days   0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

180+ Days  0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

Totals     1.248439%          0.000000%             0.000000%          0.000000%          1.248439%        
           1.628116%          0.000000%             0.000000%          0.000000%          1.628116%        

           DELINQUENT         BANKRUPTCY            FORECLOSURE        REO                TOTAL            

                                                                                                           
3                                                                                                          

           No of Loans        No of Loans           No of Loans        No of Loans        No of Loans      
           Principal Balance  Principal Balance     Principal Balance  Principal Balance  Principal Balance
0-29 Days                     1                     0                  0                  1                
                              65,719.54             0.00               0.00               65,719.54        

30 Days    3                  0                     0                  0                  3                
           335,460.06         0.00                  0.00               0.00               335,460.06       

60 Days    0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

90 Days    0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

120 Days   0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

150 Days   0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

180+ Days  0                  0                     0                  0                  0                
           0.00               0.00                  0.00               0.00               0.00             

Totals     3                  1                     0                  0                  4                
           335,460.06         65,719.54             0.00               0.00               401,179.60       

0-29 Days                     0.219780%             0.000000%          0.000000%          0.219780%        
                              0.092865%             0.000000%          0.000000%          0.092865%        

30 Days    0.659341%          0.000000%             0.000000%          0.000000%          0.659341%        
           0.474023%          0.000000%             0.000000%          0.000000%          0.474023%        

60 Days    0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

90 Days    0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

120 Days   0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

150 Days   0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

180+ Days  0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        
           0.000000%          0.000000%             0.000000%          0.000000%          0.000000%        

Totals     0.659341%          0.219780%             0.000000%          0.000000%          0.879121%        
           0.474023%          0.092865%             0.000000%          0.000000%          0.566888%        


                                                        [Enlarge/Download Table]

               REO Detail - All Mortgage Loans in REO during Current Period                                                 



Summary                                                            12 Month REO History*                                    
New REO Loans                                                    Month        REO Percentage                                
                                                                                                                            
    Loans in REO                              0                  Jan-05            0.000%                                   
    Original Principal Balance             0.00                  Feb-05            0.000%                                   
    Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                 Apr-05            0.000%                                   
Current REO Total                                                May-05            0.000%                                   
    Loans in REO                              0                  Jun-05            0.000%                                   
    Original Principal Balance             0.00                  Jul-05            0.000%                                   
    Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                 Sep-05            0.000%                                   
                                                                 Oct-05            0.000%                                   
                                                                 Nov-05            0.000%                                   
                                                                 Dec-05            0.000%                                   

                                                              *The text reported in the above table is presented graphically
                                                              on the monthly bond remittance report. The monthly bond       
                                                              remittance report can be viewed online at www.ctslink.com.    



1                                                                  12 Month REO History*                                    
New REO Loans                                                    Month        REO Percentage                                
                                                                                                                            
    Loans in REO                              0                  Jan-05            0.000%                                   
    Original Principal Balance             0.00                  Feb-05            0.000%                                   
    Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                 Apr-05            0.000%                                   
Current REO Total                                                May-05            0.000%                                   
    Loans in REO                              0                  Jun-05            0.000%                                   
    Original Principal Balance             0.00                  Jul-05            0.000%                                   
    Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                 Sep-05            0.000%                                   
                                                                 Oct-05            0.000%                                   
                                                                 Nov-05            0.000%                                   
                                                                 Dec-05            0.000%                                   

                                                              *The text reported in the above table is presented graphically
                                                              on the monthly bond remittance report. The monthly bond       
                                                              remittance report can be viewed online at www.ctslink.com.    



2                                                                  12 Month REO History*                                    
New REO Loans                                                    Month        REO Percentage                                
                                                                                                                            
    Loans in REO                              0                  Jan-05            0.000%                                   
    Original Principal Balance             0.00                  Feb-05            0.000%                                   
    Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                 Apr-05            0.000%                                   
Current REO Total                                                May-05            0.000%                                   
    Loans in REO                              0                  Jun-05            0.000%                                   
    Original Principal Balance             0.00                  Jul-05            0.000%                                   
    Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                 Sep-05            0.000%                                   
                                                                 Oct-05            0.000%                                   
                                                                 Nov-05            0.000%                                   
                                                                 Dec-05            0.000%                                   

                                                              *The text reported in the above table is presented graphically
                                                              on the monthly bond remittance report. The monthly bond       
                                                              remittance report can be viewed online at www.ctslink.com.    



3                                                                  12 Month REO History*                                    
New REO Loans                                                    Month        REO Percentage                                
                                                                                                                            
    Loans in REO                              0                  Jan-05            0.000%                                   
    Original Principal Balance             0.00                  Feb-05            0.000%                                   
    Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                 Apr-05            0.000%                                   
Current REO Total                                                May-05            0.000%                                   
    Loans in REO                              0                  Jun-05            0.000%                                   
    Original Principal Balance             0.00                  Jul-05            0.000%                                   
    Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                 Sep-05            0.000%                                   
                                                                 Oct-05            0.000%                                   
                                                                 Nov-05            0.000%                                   
                                                                 Dec-05            0.000%                                   

                                                              *The text reported in the above table is presented graphically
                                                              on the monthly bond remittance report. The monthly bond       
                                                              remittance report can be viewed online at www.ctslink.com.    

                                                        [Enlarge/Download Table]


       REO Loan Detail - All Mortgage Loans in REO during Current Period                         

                                   Month                                                         
                                    Loan            First                                Original
                  Loan           Entered          Payment                       LTV at  Principal
Group           Number               REO             Date           State  Origination    Balance
                                                                                                 

                                        No REO loans this period.                                

                                                        [Enlarge/Download Table]


       REO Loan Detail - All Mortgage Loans in REO during Current Period (continued)                      

                                    Current           Paid                            Current  Approximate
                    Loan          Principal             To           Months              Loan   Delinquent
Group             Number            Balance           Date       Delinquent              Rate     Interest
                                                                                                          

                                         No REO loans this period.                                        

                                                        [Enlarge/Download Table]

            Foreclosure Detail - All Mortgage Loans in Foreclosure during Current Period                                   



Summary                                                         12 Month Foreclosure History*                              
New Foreclosure Loans                                           Month     Foreclosure Percentage                           
                                                                                                                           
   Loans in Foreclosure                      0                  Jan-05            0.000%                                   
   Original Principal Balance             0.00                  Feb-05            0.000%                                   
   Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                Apr-05            0.000%                                   
Current Foreclosure Total                                       May-05            0.000%                                   
   Loans in Foreclosure                      0                  Jun-05            0.000%                                   
   Original Principal Balance             0.00                  Jul-05            0.000%                                   
   Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                Sep-05            0.000%                                   
                                                                Oct-05            0.000%                                   
                                                                Nov-05            0.000%                                   
                                                                Dec-05            0.000%                                   

                                                             *The text reported in the above table is presented graphically
                                                             on the monthly bond remittance report. The monthly bond       
                                                             remittance report can be viewed online at www.ctslink.com.    



1                                                               12 Month Foreclosure History*                              
New Foreclosure Loans                                           Month     Foreclosure Percentage                           
                                                                                                                           
   Loans in Foreclosure                      0                  Jan-05            0.000%                                   
   Original Principal Balance             0.00                  Feb-05            0.000%                                   
   Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                Apr-05            0.000%                                   
Current Foreclosure Total                                       May-05            0.000%                                   
   Loans in Foreclosure                      0                  Jun-05            0.000%                                   
   Original Principal Balance             0.00                  Jul-05            0.000%                                   
   Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                Sep-05            0.000%                                   
                                                                Oct-05            0.000%                                   
                                                                Nov-05            0.000%                                   
                                                                Dec-05            0.000%                                   

                                                             *The text reported in the above table is presented graphically
                                                             on the monthly bond remittance report. The monthly bond       
                                                             remittance report can be viewed online at www.ctslink.com.    



2                                                               12 Month Foreclosure History*                              
New Foreclosure Loans                                           Month     Foreclosure Percentage                           
                                                                                                                           
   Loans in Foreclosure                      0                  Jan-05            0.000%                                   
   Original Principal Balance             0.00                  Feb-05            0.000%                                   
   Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                Apr-05            0.000%                                   
Current Foreclosure Total                                       May-05            0.000%                                   
   Loans in Foreclosure                      0                  Jun-05            0.000%                                   
   Original Principal Balance             0.00                  Jul-05            0.000%                                   
   Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                Sep-05            0.000%                                   
                                                                Oct-05            0.000%                                   
                                                                Nov-05            0.000%                                   
                                                                Dec-05            0.000%                                   

                                                             *The text reported in the above table is presented graphically
                                                             on the monthly bond remittance report. The monthly bond       
                                                             remittance report can be viewed online at www.ctslink.com.    



3                                                               12 Month Foreclosure History*                              
New Foreclosure Loans                                           Month     Foreclosure Percentage                           
                                                                                                                           
   Loans in Foreclosure                      0                  Jan-05            0.000%                                   
   Original Principal Balance             0.00                  Feb-05            0.000%                                   
   Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                Apr-05            0.000%                                   
Current Foreclosure Total                                       May-05            0.000%                                   
   Loans in Foreclosure                      0                  Jun-05            0.000%                                   
   Original Principal Balance             0.00                  Jul-05            0.000%                                   
   Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                Sep-05            0.000%                                   
                                                                Oct-05            0.000%                                   
                                                                Nov-05            0.000%                                   
                                                                Dec-05            0.000%                                   

                                                             *The text reported in the above table is presented graphically
                                                             on the monthly bond remittance report. The monthly bond       
                                                             remittance report can be viewed online at www.ctslink.com.    

                                                        [Enlarge/Download Table]


   Foreclosure Loan Detail - All Mortgage Loans in Foreclosure during Current Period                        

                                          Month                                                             
                                           Loan              First                                  Original
                          Loan          Entered            Payment                         LTV at  Principal
Group                   Number               FC               Date          State     Origination    Balance
                                                                                                            

                                       No Foreclosure loans this period.                                    

                                                        [Enlarge/Download Table]


   Foreclosure Loan Detail - All Mortgage Loans in Foreclosure during Current Period (continued)              

                                        Current               Paid                        Current  Approximate
                          Loan        Principal                 To         Months            Loan   Delinquent
Group                   Number          Balance               Date     Delinquent            Rate     Interest
                                                                                                              

                                       No Foreclosure loans this period.                                      


                                                        [Enlarge/Download Table]

              Bankruptcy Detail - All Mortgage Loans in Bankruptcy during Current Period                                    



Summary                                                            12 Month Bankruptcy History*                             
New Bankruptcy Loans                                             Month    Bankruptcy Percentage                             
                                                                                                                            
    Loans in Bankruptcy                       0                  Jan-05            0.000%                                   
    Original Principal Balance             0.00                  Feb-05            0.000%                                   
    Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                 Apr-05            0.000%                                   
Current Bankruptcy Total                                         May-05            0.000%                                   
    Loans in Bankruptcy                       1                  Jun-05            0.000%                                   
    Original Principal Balance        66,000.00                  Jul-05            0.000%                                   
    Current Principal Balance         65,719.54                  Aug-05            0.000%                                   
                                                                 Sep-05            0.000%                                   
                                                                 Oct-05            0.018%                                   
                                                                 Nov-05            0.018%                                   
                                                                 Dec-05            0.018%                                   

                                                              *The text reported in the above table is presented graphically
                                                              on the monthly bond remittance report. The monthly bond       
                                                              remittance report can be viewed online at www.ctslink.com.    



1                                                                  12 Month Bankruptcy History*                             
New Bankruptcy Loans                                             Month    Bankruptcy Percentage                             
                                                                                                                            
    Loans in Bankruptcy                       0                  Jan-05            0.000%                                   
    Original Principal Balance             0.00                  Feb-05            0.000%                                   
    Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                 Apr-05            0.000%                                   
Current Bankruptcy Total                                         May-05            0.000%                                   
    Loans in Bankruptcy                       0                  Jun-05            0.000%                                   
    Original Principal Balance             0.00                  Jul-05            0.000%                                   
    Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                 Sep-05            0.000%                                   
                                                                 Oct-05            0.000%                                   
                                                                 Nov-05            0.000%                                   
                                                                 Dec-05            0.000%                                   

                                                              *The text reported in the above table is presented graphically
                                                              on the monthly bond remittance report. The monthly bond       
                                                              remittance report can be viewed online at www.ctslink.com.    



2                                                                  12 Month Bankruptcy History*                             
New Bankruptcy Loans                                             Month    Bankruptcy Percentage                             
                                                                                                                            
    Loans in Bankruptcy                       0                  Jan-05            0.000%                                   
    Original Principal Balance             0.00                  Feb-05            0.000%                                   
    Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                 Apr-05            0.000%                                   
Current Bankruptcy Total                                         May-05            0.000%                                   
    Loans in Bankruptcy                       0                  Jun-05            0.000%                                   
    Original Principal Balance             0.00                  Jul-05            0.000%                                   
    Current Principal Balance              0.00                  Aug-05            0.000%                                   
                                                                 Sep-05            0.000%                                   
                                                                 Oct-05            0.000%                                   
                                                                 Nov-05            0.000%                                   
                                                                 Dec-05            0.000%                                   

                                                              *The text reported in the above table is presented graphically
                                                              on the monthly bond remittance report. The monthly bond       
                                                              remittance report can be viewed online at www.ctslink.com.    



3                                                                  12 Month Bankruptcy History*                             
New Bankruptcy Loans                                             Month    Bankruptcy Percentage                             
                                                                                                                            
    Loans in Bankruptcy                       0                  Jan-05            0.000%                                   
    Original Principal Balance             0.00                  Feb-05            0.000%                                   
    Current Principal Balance              0.00                  Mar-05            0.000%                                   
                                                                 Apr-05            0.000%                                   
Current Bankruptcy Total                                         May-05            0.000%                                   
    Loans in Bankruptcy                       1                  Jun-05            0.000%                                   
    Original Principal Balance        66,000.00                  Jul-05            0.000%                                   
    Current Principal Balance         65,719.54                  Aug-05            0.000%                                   
                                                                 Sep-05            0.000%                                   
                                                                 Oct-05            0.092%                                   
                                                                 Nov-05            0.092%                                   
                                                                 Dec-05            0.093%                                   

                                                              *The text reported in the above table is presented graphically
                                                              on the monthly bond remittance report. The monthly bond       
                                                              remittance report can be viewed online at www.ctslink.com.    

                                                        [Enlarge/Download Table]


     Bankruptcy Detail - All Mortgage Loans in Bankruptcy during Current Period                      

Group                   Loan     Month Loan              First      State          LTV at    Original
                      Number        Entered            Payment                 Origination  Principal
                                 Bankruptcy               Date                                Balance
                                                                                                     
  3               6183054177       Oct-2005        01-Jul-2005         WI            62.26  66,000.00

                                                        [Enlarge/Download Table]


     Bankruptcy Detail - All Mortgage Loans in Bankruptcy during Current Period (continued)              

Group                   Loan            Current         Paid To         Months       Current  Approximate
                      Number          Principal             Date     Delinquent    Loan Rate   Delinquent
                                        Balance                                                  Interest
                                                                                                         
  3               6183054177          65,719.54      01-Nov-2005           0          6.875%       725.97

                                                        [Enlarge/Download Table]

               Realized Loss Detail Report - Loans with Losses during Current Period            

Summary                                                                                         
                                   # Loans              Prior          Realized          Current
                                      with          Principal       Loss/(Gain)             Loss
         Group                      Losses            Balance            Amount       Percentage
                                                                                                
           1                             0               0.00              0.00           0.000%
           2                             0               0.00              0.00           0.000%
           3                             0               0.00              0.00           0.000%
         Total                           0               0.00              0.00           0.000%


                                                        [Enlarge/Download Table]


       Realized Loss Loan Detail Report - Loans With Losses during Current Period                         

                                          Original          Current                                       
                          Loan           Principal             Note                       LTV at  Original
Group                   Number             Balance             Rate           State  Origination      Term
                                                                                                          

                                           No losses this period.                                         

                                                        [Enlarge/Download Table]


       Realized Loss Loan Detail Report - Loans With Losses during Current Period (continued)

                                             Prior                           Cumulative      
                           Loan          Principal          Realized           Realized      
Group                    Number            Balance       Loss/(Gain)        Loss/(Gain)      
                                                                                             

                             No losses this period.                                          

                                                        [Enlarge/Download Table]

                                                   Realized Loss Report - Collateral                                      

  Summary                                                                                                                 

   MDR                                                          SDA                                                       
                                                                                                                          
      Current Month                        0.000%               Current Month                                 0.000%      
      3 Month Average                      0.000%               3 Month Average                               0.000%      
      12 Month Average                     0.000%               12 Month Average                              0.000%      



                  MDR: Current vs 12mo Average*                                SDA: Current vs 12mo Average*              
         Month            Current        12mo Avg.                       Month             Current          12mo Avg.     
                                                                                                                          

         Jan-2005             N/A             N/A                        Jan-2005              N/A               N/A      
         Feb-2005             N/A             N/A                        Feb-2005              N/A               N/A      
         Mar-2005             N/A             N/A                        Mar-2005              N/A               N/A      
         Apr-2005             N/A             N/A                        Apr-2005              N/A               N/A      
         May-2005             N/A             N/A                        May-2005              N/A               N/A      
         Jun-2005             N/A             N/A                        Jun-2005              N/A               N/A      
         Jul-2005             N/A             N/A                        Jul-2005              N/A               N/A      
         Aug-2005          0.000%             N/A                        Aug-2005           0.000%               N/A      
         Sep-2005          0.000%             N/A                        Sep-2005           0.000%               N/A      
         Oct-2005          0.000%             N/A                        Oct-2005           0.000%               N/A      
         Nov-2005          0.000%             N/A                        Nov-2005           0.000%               N/A      
         Dec-2005          0.000%             N/A                        Dec-2005           0.000%               N/A      

   *The text reported in the above table is presented           *The text reported in the above table is presented        
   graphically on the monthly bond remittance report. The       graphically on the monthly bond remittance report. The    
   monthly bond remittance report can be viewed online at www.  monthly bond remittance report can be viewed online at    
   ctslink.com.                                                 www.ctslink.com.                                          



   CDR                                                          Loss Severity Approximation                               
                                                                                                                          
      Current Month                        0.000%               Current Month                                 0.000%      
      3 Month Average                      0.000%               3 Month Average                               0.000%      
      12 Month Average                     0.000%               12 Month Average                              0.000%      



                  CDR: Current vs 12mo Average*                           Loss Severity: Current vs 12mo Average*         
         Month            Current        12mo Avg.                       Month             Current          12mo Avg.     
                                                                                                                          

         Jan-2005             N/A             N/A                        Jan-2005              N/A               N/A      
         Feb-2005             N/A             N/A                        Feb-2005              N/A               N/A      
         Mar-2005             N/A             N/A                        Mar-2005              N/A               N/A      
         Apr-2005             N/A             N/A                        Apr-2005              N/A               N/A      
         May-2005             N/A             N/A                        May-2005              N/A               N/A      
         Jun-2005             N/A             N/A                        Jun-2005              N/A               N/A      
         Jul-2005             N/A             N/A                        Jul-2005              N/A               N/A      
         Aug-2005          0.000%             N/A                        Aug-2005           0.000%               N/A      
         Sep-2005          0.000%             N/A                        Sep-2005           0.000%               N/A      
         Oct-2005          0.000%             N/A                        Oct-2005           0.000%               N/A      
         Nov-2005          0.000%             N/A                        Nov-2005           0.000%               N/A      
         Dec-2005          0.000%             N/A                        Dec-2005           0.000%               N/A      

   *The text reported in the above table is presented           *The text reported in the above table is presented        
   graphically on the monthly bond remittance report. The       graphically on the monthly bond remittance report. The    
   monthly bond remittance report can be viewed online at www.  monthly bond remittance report can be viewed online at    
   ctslink.com.                                                 www.ctslink.com.                                          

  1                                                                                                                       



   MDR                                                          SDA                                                       
                                                                                                                          
      Current Month                        0.000%               Current Month                                 0.000%      
      3 Month Average                      0.000%               3 Month Average                               0.000%      
      12 Month Average                     0.000%               12 Month Average                              0.000%      



                  MDR: Current vs 12mo Average*                                SDA: Current vs 12mo Average*              
         Month            Current        12mo Avg.                       Month             Current          12mo Avg.     
                                                                                                                          

         Jan-2005             N/A             N/A                        Jan-2005              N/A               N/A      
         Feb-2005             N/A             N/A                        Feb-2005              N/A               N/A      
         Mar-2005             N/A             N/A                        Mar-2005              N/A               N/A      
         Apr-2005             N/A             N/A                        Apr-2005              N/A               N/A      
         May-2005             N/A             N/A                        May-2005              N/A               N/A      
         Jun-2005             N/A             N/A                        Jun-2005              N/A               N/A      
         Jul-2005             N/A             N/A                        Jul-2005              N/A               N/A      
         Aug-2005          0.000%             N/A                        Aug-2005           0.000%               N/A      
         Sep-2005          0.000%             N/A                        Sep-2005           0.000%               N/A      
         Oct-2005          0.000%             N/A                        Oct-2005           0.000%               N/A      
         Nov-2005          0.000%             N/A                        Nov-2005           0.000%               N/A      
         Dec-2005          0.000%             N/A                        Dec-2005           0.000%               N/A      

   *The text reported in the above table is presented           *The text reported in the above table is presented        
   graphically on the monthly bond remittance report. The       graphically on the monthly bond remittance report. The    
   monthly bond remittance report can be viewed online at www.  monthly bond remittance report can be viewed online at    
   ctslink.com.                                                 www.ctslink.com.                                          



   CDR                                                          Loss Severity Approximation                               
                                                                                                                          
      Current Month                        0.000%               Current Month                                 0.000%      
      3 Month Average                      0.000%               3 Month Average                               0.000%      
      12 Month Average                     0.000%               12 Month Average                              0.000%      



                  CDR: Current vs 12mo Average*                           Loss Severity: Current vs 12mo Average*         
         Month            Current        12mo Avg.                       Month             Current          12mo Avg.     
                                                                                                                          

         Jan-2005             N/A             N/A                        Jan-2005              N/A               N/A      
         Feb-2005             N/A             N/A                        Feb-2005              N/A               N/A      
         Mar-2005             N/A             N/A                        Mar-2005              N/A               N/A      
         Apr-2005             N/A             N/A                        Apr-2005              N/A               N/A      
         May-2005             N/A             N/A                        May-2005              N/A               N/A      
         Jun-2005             N/A             N/A                        Jun-2005              N/A               N/A      
         Jul-2005             N/A             N/A                        Jul-2005              N/A               N/A      
         Aug-2005          0.000%             N/A                        Aug-2005           0.000%               N/A      
         Sep-2005          0.000%             N/A                        Sep-2005           0.000%               N/A      
         Oct-2005          0.000%             N/A                        Oct-2005           0.000%               N/A      
         Nov-2005          0.000%             N/A                        Nov-2005           0.000%               N/A      
         Dec-2005          0.000%             N/A                        Dec-2005           0.000%               N/A      

   *The text reported in the above table is presented           *The text reported in the above table is presented        
   graphically on the monthly bond remittance report. The       graphically on the monthly bond remittance report. The    
   monthly bond remittance report can be viewed online at www.  monthly bond remittance report can be viewed online at    
   ctslink.com.                                                 www.ctslink.com.                                          

  2                                                                                                                       



   MDR                                                          SDA                                                       
                                                                                                                          
      Current Month                        0.000%               Current Month                                 0.000%      
      3 Month Average                      0.000%               3 Month Average                               0.000%      
      12 Month Average                     0.000%               12 Month Average                              0.000%      



                  MDR: Current vs 12mo Average*                                SDA: Current vs 12mo Average*              
         Month            Current        12mo Avg.                       Month             Current          12mo Avg.     
                                                                                                                          

         Jan-2005             N/A             N/A                        Jan-2005              N/A               N/A      
         Feb-2005             N/A             N/A                        Feb-2005              N/A               N/A      
         Mar-2005             N/A             N/A                        Mar-2005              N/A               N/A      
         Apr-2005             N/A             N/A                        Apr-2005              N/A               N/A      
         May-2005             N/A             N/A                        May-2005              N/A               N/A      
         Jun-2005             N/A             N/A                        Jun-2005              N/A               N/A      
         Jul-2005             N/A             N/A                        Jul-2005              N/A               N/A      
         Aug-2005          0.000%             N/A                        Aug-2005           0.000%               N/A      
         Sep-2005          0.000%             N/A                        Sep-2005           0.000%               N/A      
         Oct-2005          0.000%             N/A                        Oct-2005           0.000%               N/A      
         Nov-2005          0.000%             N/A                        Nov-2005           0.000%               N/A      
         Dec-2005          0.000%             N/A                        Dec-2005           0.000%               N/A      

   *The text reported in the above table is presented           *The text reported in the above table is presented        
   graphically on the monthly bond remittance report. The       graphically on the monthly bond remittance report. The    
   monthly bond remittance report can be viewed online at www.  monthly bond remittance report can be viewed online at    
   ctslink.com.                                                 www.ctslink.com.                                          



   CDR                                                          Loss Severity Approximation                               
                                                                                                                          
      Current Month                        0.000%               Current Month                                 0.000%      
      3 Month Average                      0.000%               3 Month Average                               0.000%      
      12 Month Average                     0.000%               12 Month Average                              0.000%      



                  CDR: Current vs 12mo Average*                           Loss Severity: Current vs 12mo Average*         
         Month            Current        12mo Avg.                       Month             Current          12mo Avg.     
                                                                                                                          

         Jan-2005             N/A             N/A                        Jan-2005              N/A               N/A      
         Feb-2005             N/A             N/A                        Feb-2005              N/A               N/A      
         Mar-2005             N/A             N/A                        Mar-2005              N/A               N/A      
         Apr-2005             N/A             N/A                        Apr-2005              N/A               N/A      
         May-2005             N/A             N/A                        May-2005              N/A               N/A      
         Jun-2005             N/A             N/A                        Jun-2005              N/A               N/A      
         Jul-2005             N/A             N/A                        Jul-2005              N/A               N/A      
         Aug-2005          0.000%             N/A                        Aug-2005           0.000%               N/A      
         Sep-2005          0.000%             N/A                        Sep-2005           0.000%               N/A      
         Oct-2005          0.000%             N/A                        Oct-2005           0.000%               N/A      
         Nov-2005          0.000%             N/A                        Nov-2005           0.000%               N/A      
         Dec-2005          0.000%             N/A                        Dec-2005           0.000%               N/A      

   *The text reported in the above table is presented           *The text reported in the above table is presented        
   graphically on the monthly bond remittance report. The       graphically on the monthly bond remittance report. The    
   monthly bond remittance report can be viewed online at www.  monthly bond remittance report can be viewed online at    
   ctslink.com.                                                 www.ctslink.com.                                          

  3                                                                                                                       



   MDR                                                          SDA                                                       
                                                                                                                          
      Current Month                        0.000%               Current Month                                 0.000%      
      3 Month Average                      0.000%               3 Month Average                               0.000%      
      12 Month Average                     0.000%               12 Month Average                              0.000%      



                  MDR: Current vs 12mo Average*                                SDA: Current vs 12mo Average*              
         Month            Current        12mo Avg.                       Month             Current          12mo Avg.     
                                                                                                                          

         Jan-2005             N/A             N/A                        Jan-2005              N/A               N/A      
         Feb-2005             N/A             N/A                        Feb-2005              N/A               N/A      
         Mar-2005             N/A             N/A                        Mar-2005              N/A               N/A      
         Apr-2005             N/A             N/A                        Apr-2005              N/A               N/A      
         May-2005             N/A             N/A                        May-2005              N/A               N/A      
         Jun-2005             N/A             N/A                        Jun-2005              N/A               N/A      
         Jul-2005             N/A             N/A                        Jul-2005              N/A               N/A      
         Aug-2005          0.000%             N/A                        Aug-2005           0.000%               N/A      
         Sep-2005          0.000%             N/A                        Sep-2005           0.000%               N/A      
         Oct-2005          0.000%             N/A                        Oct-2005           0.000%               N/A      
         Nov-2005          0.000%             N/A                        Nov-2005           0.000%               N/A      
         Dec-2005          0.000%             N/A                        Dec-2005           0.000%               N/A      

   *The text reported in the above table is presented           *The text reported in the above table is presented        
   graphically on the monthly bond remittance report. The       graphically on the monthly bond remittance report. The    
   monthly bond remittance report can be viewed online at www.  monthly bond remittance report can be viewed online at    
   ctslink.com.                                                 www.ctslink.com.                                          



   CDR                                                          Loss Severity Approximation                               
                                                                                                                          
      Current Month                        0.000%               Current Month                                 0.000%      
      3 Month Average                      0.000%               3 Month Average                               0.000%      
      12 Month Average                     0.000%               12 Month Average                              0.000%      



                  CDR: Current vs 12mo Average*                           Loss Severity: Current vs 12mo Average*         
         Month            Current        12mo Avg.                       Month             Current          12mo Avg.     
                                                                                                                          

         Jan-2005             N/A             N/A                        Jan-2005              N/A               N/A      
         Feb-2005             N/A             N/A                        Feb-2005              N/A               N/A      
         Mar-2005             N/A             N/A                        Mar-2005              N/A               N/A      
         Apr-2005             N/A             N/A                        Apr-2005              N/A               N/A      
         May-2005             N/A             N/A                        May-2005              N/A               N/A      
         Jun-2005             N/A             N/A                        Jun-2005              N/A               N/A      
         Jul-2005             N/A             N/A                        Jul-2005              N/A               N/A      
         Aug-2005          0.000%             N/A                        Aug-2005           0.000%               N/A      
         Sep-2005          0.000%             N/A                        Sep-2005           0.000%               N/A      
         Oct-2005          0.000%             N/A                        Oct-2005           0.000%               N/A      
         Nov-2005          0.000%             N/A                        Nov-2005           0.000%               N/A      
         Dec-2005          0.000%             N/A                        Dec-2005           0.000%               N/A      

   *The text reported in the above table is presented           *The text reported in the above table is presented        
   graphically on the monthly bond remittance report. The       graphically on the monthly bond remittance report. The    
   monthly bond remittance report can be viewed online at www.  monthly bond remittance report can be viewed online at    
   ctslink.com.                                                 www.ctslink.com.                                          

<FN>                                                                                                                      

Calculation Methodology:                                                                                                  
Monthly Default Rate (MDR): sum(Beg Principal Balance of Liquidated Loans)/ sum(Beg Principal Balance).                   
Conditional Default Rate (CDR): 1-((1-MDR)^12)                                                                            
SDA Standard Default Assumption: If WAS is less than or equal to 30 then CDR/(WAS*0.02) else if WAS is greater than 30 and
less than or equal to 60 then CDR/0.6 else if WAS is greater than 60 and less than or equal to 120 then CDR/(0.6 -        
((WAS-60)*0.0095)) else if WAS is greater than 120 then CDR/0.03                                                          
Loss Severity Approximation for current period: sum(Realized Loss Amount)/sum(Beg Principal Balance of Liquidated Loans)  

</FN>                                                                                                                     

                                                        [Enlarge/Download Table]


               Prepayment Detail - Prepayments during Current Period                                     
Summary                                                                                                  
                                    Loans Paid In Full                       Repurchased Loans           

                                         Original            Current             Original         Current
                                        Principal          Principal            Principal       Principal
         Group            Count           Balance            Balance  Count       Balance         Balance
                                                                                                         
           1                  4        657,912.00         654,703.94      0          0.00            0.00
           2                  9        958,700.00         954,900.56      0          0.00            0.00
           3                  2        326,000.00         324,674.82      0          0.00            0.00
         Total               15      1,942,612.00       1,934,279.32      0          0.00            0.00

                                                        [Enlarge/Download Table]

              Prepayment Detail - Prepayments during Current Period (continued)                                           

Summary                                                                                                                   
                                   Substitution Loans                            Liquidated Loans             Curtailments

                                       Original            Current                  Original         Current              
                                      Principal          Principal                 Principal       Principal   Curtailment
         Group           Count          Balance            Balance      Count        Balance         Balance        Amount
                                                                                                                          
           1                 0             0.00               0.00          0           0.00            0.00     12,022.37
           2                 0             0.00               0.00          0           0.00            0.00      8,697.80
           3                 0             0.00               0.00          0           0.00            0.00      4,004.87
         Total               0             0.00               0.00          0           0.00            0.00     24,725.04

                                                        [Enlarge/Download Table]


      Prepayment Loan Detail - Prepayments during Current Period                                     
                                                                        First    Original            
                             Loan                       LTV at        Payment   Principal  Prepayment
Group                      Number        State     Origination           Date     Balance      Amount
                                                                                                     
  1                    3302197722           FL           94.50    01-Jul-2005  189,000.00  187,818.84
  1                    6606452495           AZ           80.00    01-Jul-2005   97,912.00   97,305.64
  1                    6706808695           DC           80.00    01-Jun-2005  112,000.00  111,206.22
  1                    6750478239           IL           70.00    01-Aug-2005  259,000.00  257,697.84
  2                    3301890384           FL           80.00    01-Jul-2005   61,600.00   61,253.07
  2                    3302247568           NV           67.06    01-Jul-2005  101,800.00  101,172.38
  2                    3302290758           CA           37.97    01-Aug-2005  139,000.00  138,340.18
  2                    6382442520           MO           80.00    01-Jul-2005   34,000.00   33,830.28
  2                    6545897040           OR           80.00    01-Aug-2005  148,000.00  147,371.12
  2                    6721535380           AZ           76.62    01-Jul-2005   88,000.00   87,538.93
  2                    6738946141           FL           66.50    01-Jul-2005   66,500.00   66,148.14
  2                    6792430446           FL           90.00    01-Aug-2005   99,000.00   98,547.64
  2                    6899020355           MD           60.00    01-Aug-2005  220,800.00  219,838.70
  3                    6370953413           IL           76.92    01-Aug-2005  150,000.00  149,346.94
  3                    6504739050           FL           80.00    01-Jul-2005  176,000.00  174,333.24

                                                        [Enlarge/Download Table]


      Prepayment Loan Detail - Prepayments during Current Period (continued)                                

                                                                              Current                       
                            Loan                     PIF        Months           Loan    Original           
Group                     Number                    Type    Delinquent           Rate        Term  Seasoning
                                                                                                            
  1                   3302197722       Loan Paid in Full           0             5.875%       360          5
  1                   6606452495       Loan Paid in Full          (1)            5.875%       360          5
  1                   6706808695       Loan Paid in Full           0             6.125%       360          6
  1                   6750478239       Loan Paid in Full           0             6.000%       360          4
  2                   3301890384       Loan Paid in Full           0             6.375%       360          5
  2                   3302247568       Loan Paid in Full           0             6.750%       360          5
  2                   3302290758       Loan Paid in Full           0             6.375%       360          4
  2                   6382442520       Loan Paid in Full           0             7.000%       360          5
  2                   6545897040       Loan Paid in Full          (1)            6.875%       360          4
  2                   6721535380       Loan Paid in Full           0             6.750%       360          5
  2                   6738946141       Loan Paid in Full           0             6.750%       360          5
  2                   6792430446       Loan Paid in Full           1             6.500%       360          4
  2                   6899020355       Loan Paid in Full           0             6.750%       360          4
  3                   6370953413       Loan Paid in Full           0             6.750%       360          4
  3                   6504739050       Loan Paid in Full           0             6.500%       360          5

                                                        [Enlarge/Download Table]

                                            Prepayment - Voluntary Prepayments                                             


  Summary                                                                                                                  
     SMM                                   CPR                                      PSA                                    
                                                                                                                           
     Current Month            0.541%       Current Month              6.301%        Current Month                 690.124% 
     3 Month Average          0.648%       3 Month Average            7.503%        3 Month Average             1,135.124% 
     12 Month Average         0.000%       12 Month Average           0.000%        12 Month Average                0.000% 



                CPR: Current vs 12mo Average*                                PSA: Current vs 12mo Average*                 
          Month        Current        12mo Avg.                        Month        Current        12mo Avg.               
                                                                                                                           

         Jan-2005          N/A           N/A                          Jan-2005          N/A           N/A                  
         Feb-2005          N/A           N/A                          Feb-2005          N/A           N/A                  
         Mar-2005          N/A           N/A                          Mar-2005          N/A           N/A                  
         Apr-2005          N/A           N/A                          Apr-2005          N/A           N/A                  
         May-2005          N/A           N/A                          May-2005          N/A           N/A                  
         Jun-2005          N/A           N/A                          Jun-2005          N/A           N/A                  
         Jul-2005          N/A           N/A                          Jul-2005          N/A           N/A                  
         Aug-2005       6.120%           N/A                          Aug-2005   5,412.666%           N/A                  
         Sep-2005      12.712%           N/A                          Sep-2005   4,063.940%           N/A                  
         Oct-2005       8.087%           N/A                          Oct-2005   1,576.381%           N/A                  
         Nov-2005       8.120%           N/A                          Nov-2005   1,138.866%           N/A                  
         Dec-2005       6.301%           N/A                          Dec-2005     690.124%           N/A                  

     *The text reported in the above table is presented        *The text reported in the above table is presented          
     graphically on the monthly bond remittance report. The    graphically on the monthly bond remittance report. The      
     monthly bond remittance report can be viewed online at    monthly bond remittance report can be viewed online at      
     www.ctslink.com.                                          www.ctslink.com.                                            


  1                                                                                                                        
     SMM                                   CPR                                      PSA                                    
                                                                                                                           
     Current Month            0.352%       Current Month              4.140%        Current Month                 457.881% 
     3 Month Average          0.355%       3 Month Average            4.179%        3 Month Average               609.372% 
     12 Month Average         0.000%       12 Month Average           0.000%        12 Month Average                0.000% 



                CPR: Current vs 12mo Average*                                PSA: Current vs 12mo Average*                 
          Month        Current        12mo Avg.                        Month        Current        12mo Avg.               
                                                                                                                           

         Jan-2005          N/A           N/A                          Jan-2005          N/A           N/A                  
         Feb-2005          N/A           N/A                          Feb-2005          N/A           N/A                  
         Mar-2005          N/A           N/A                          Mar-2005          N/A           N/A                  
         Apr-2005          N/A           N/A                          Apr-2005          N/A           N/A                  
         May-2005          N/A           N/A                          May-2005          N/A           N/A                  
         Jun-2005          N/A           N/A                          Jun-2005          N/A           N/A                  
         Jul-2005          N/A           N/A                          Jul-2005          N/A           N/A                  
         Aug-2005       2.216%           N/A                          Aug-2005   2,123.953%           N/A                  
         Sep-2005       4.159%           N/A                          Sep-2005   1,368.254%           N/A                  
         Oct-2005       3.158%           N/A                          Oct-2005     626.469%           N/A                  
         Nov-2005       5.238%           N/A                          Nov-2005     743.767%           N/A                  
         Dec-2005       4.140%           N/A                          Dec-2005     457.881%           N/A                  

     *The text reported in the above table is presented        *The text reported in the above table is presented          
     graphically on the monthly bond remittance report. The    graphically on the monthly bond remittance report. The      
     monthly bond remittance report can be viewed online at    monthly bond remittance report can be viewed online at      
     www.ctslink.com.                                          www.ctslink.com.                                            


  2                                                                                                                        
     SMM                                   CPR                                      PSA                                    
                                                                                                                           
     Current Month            0.951%       Current Month             10.828%        Current Month               1,181.939% 
     3 Month Average          1.285%       3 Month Average           14.326%        3 Month Average             2,144.255% 
     12 Month Average         0.000%       12 Month Average           0.000%        12 Month Average                0.000% 



                CPR: Current vs 12mo Average*                                PSA: Current vs 12mo Average*                 
          Month        Current        12mo Avg.                        Month        Current        12mo Avg.               
                                                                                                                           

         Jan-2005          N/A           N/A                          Jan-2005          N/A           N/A                  
         Feb-2005          N/A           N/A                          Feb-2005          N/A           N/A                  
         Mar-2005          N/A           N/A                          Mar-2005          N/A           N/A                  
         Apr-2005          N/A           N/A                          Apr-2005          N/A           N/A                  
         May-2005          N/A           N/A                          May-2005          N/A           N/A                  
         Jun-2005          N/A           N/A                          Jun-2005          N/A           N/A                  
         Jul-2005          N/A           N/A                          Jul-2005          N/A           N/A                  
         Aug-2005       8.612%           N/A                          Aug-2005   7,441.936%           N/A                  
         Sep-2005      25.465%           N/A                          Sep-2005   8,065.010%           N/A                  
         Oct-2005      14.035%           N/A                          Oct-2005   2,720.018%           N/A                  
         Nov-2005      18.115%           N/A                          Nov-2005   2,530.809%           N/A                  
         Dec-2005      10.828%           N/A                          Dec-2005   1,181.939%           N/A                  

     *The text reported in the above table is presented        *The text reported in the above table is presented          
     graphically on the monthly bond remittance report. The    graphically on the monthly bond remittance report. The      
     monthly bond remittance report can be viewed online at    monthly bond remittance report can be viewed online at      
     www.ctslink.com.                                          www.ctslink.com.                                            


  3                                                                                                                        
     SMM                                   CPR                                      PSA                                    
                                                                                                                           
     Current Month            0.461%       Current Month              5.397%        Current Month                 578.753% 
     3 Month Average          0.508%       3 Month Average            5.817%        3 Month Average               944.947% 
     12 Month Average         0.000%       12 Month Average           0.000%        12 Month Average                0.000% 



                CPR: Current vs 12mo Average*                                PSA: Current vs 12mo Average*                 
          Month        Current        12mo Avg.                        Month        Current        12mo Avg.               
                                                                                                                           

         Jan-2005          N/A           N/A                          Jan-2005          N/A           N/A                  
         Feb-2005          N/A           N/A                          Feb-2005          N/A           N/A                  
         Mar-2005          N/A           N/A                          Mar-2005          N/A           N/A                  
         Apr-2005          N/A           N/A                          Apr-2005          N/A           N/A                  
         May-2005          N/A           N/A                          May-2005          N/A           N/A                  
         Jun-2005          N/A           N/A                          Jun-2005          N/A           N/A                  
         Jul-2005          N/A           N/A                          Jul-2005          N/A           N/A                  
         Aug-2005      12.232%           N/A                          Aug-2005   9,255.175%           N/A                  
         Sep-2005      14.140%           N/A                          Sep-2005   4,259.570%           N/A                  
         Oct-2005      11.889%           N/A                          Oct-2005   2,233.351%           N/A                  
         Nov-2005       0.167%           N/A                          Nov-2005      22.737%           N/A                  
         Dec-2005       5.397%           N/A                          Dec-2005     578.753%           N/A                  

     *The text reported in the above table is presented        *The text reported in the above table is presented          
     graphically on the monthly bond remittance report. The    graphically on the monthly bond remittance report. The      
     monthly bond remittance report can be viewed online at    monthly bond remittance report can be viewed online at      
     www.ctslink.com.                                          www.ctslink.com.                                            

<FN>                                                                                                                       

Calculation Methodology:                                                                                                   
Single Month Mortality (SMM):  (Partial and full prepayments + Repurchases) / (Beginning Scheduled Balance - Scheduled     
Principal)                                                                                                                 
Conditional PrePayment Rate (CPR):  1 - ((1 - SMM)^12)                                                                     
PSA Standard Prepayment Model:  100 * CPR / (0.2 * MIN(30,WAS))                                                            
Weighted Average Seasoning (WAS):  sum((Original Term - Remaining Term)*(Current Scheduled Balance/Deal Scheduled Principal
Balance))                                                                                                                  

</FN>                                                                                                                      
                                                                [Download Table]


                               Modifications                                

  Loan  Beginning         Current        Prior   Modified   Prior   Modified
Number    Balance         Balance         Rate       Rate  Payment   Payment
                                                                            

                   No Modifications this Period                             

                                                        [Enlarge/Download Table]

                                        Substitutions                                        
            Loans Repurchased                                  Loans Substituted             

  Loan  Current     Current          Current             Loan    Current     Current  Current
Number  Balance        Rate          Payment           Number     Balance       Rate  Payment
                                                                                             

                               No Substitutions this Period                                  

                                                                [Download Table]

                        Repurchases                               

  Loan                Current        Current               Current
Number                Balance           Rate               Payment
                                                                  

              No Repurchases this Period

Dates Referenced Herein

This ‘8-K’ Filing	Date	Other Filings

Filed on:	1/3/06	None on these Dates
For Period End:	12/27/05
		List all Filings

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Filing Submission 0001056404-06-000020 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2005-7 – ‘8-K’ for 12/27/05

On: Tuesday, 1/3/06, at 11:08am ET · For: 12/27/05 · Accession #: 1056404-6-20 · File #: 333-118843-28

Previous ‘8-K’: ‘8-K’ on 12/2/05 for 11/25/05 · Latest ‘8-K’: This Filing

Current Report — Form 8-KFiling Table of Contents

Document Table of Contents

Dates Referenced Herein

Current Report — Form 8-K
Filing Table of Contents