GMACM Home Equity Loan Trust 2007-HE1$1,185,871,000 (Approximate)
Subject to a +/- 10% variance
Subject to Revision
March 21, 2007 – Free Writing Prospectus
The depositor has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication
relates. Before you invest, you should read the prospectus in that registration statement and other documents the depositor has
filed with the SEC for more complete information about the depositor and this offering. You may get these documents for free by
visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the issuer or any underwriter or any dealer participating in the
offering will arrange to send you the prospectus if you request it by calling 1-212-834-4154 (collect call) or by emailing Randall
Outlaw at randall.outlaw@jpmorgan.com.
This free writing prospectus is not required to contain all information that is required to be included in the base prospectus and
the prospectus supplement. The information in this free writing prospectus, if conveyed prior to the time of your commitment to
purchase, supersedes information contained in any prior similar free writing prospectus relating to these securities. This free
writing prospectus is not an offer to sell or a solicitation of an offer to buy these securities in any state where such offer,
solicitation or sale is not permitted.
This free writing prospectus is being delivered to you solely to provide you with information about the offering of the asset-backed
securities referred to in this free writing prospectus and to solicit an indication of your interest in purchasing such securities,
when, as and if issued. Any such indication of interest will not constitute a contractual commitment by you to purchase any of the
securities.
THE INFORMATION CONTAINED IN THIS COMMUNICATION IS SUBJECT TO CHANGE, COMPLETION OR AMENDMENT FROM TIME TO TIME. YOU SHOULD CONSULT
YOUR OWN COUNSEL, ACCOUNTANT AND OTHER ADVISORS AS TO THE LEGAL, TAX, BUSINESS, FINANCIAL AND RELATED ASPECTS OF A PURCHASE OF THESE
SECURITIES.
The attached information may contain certain tables and other statistical analyses (the "Computational Materials") that have been
prepared in reliance upon information furnished by the issuer, the preparation of which used numerous assumptions which may or may
not be reflected herein. As such, no assurance can be given as to the appropriateness of the Computational Materials for any
particular context; or as to whether the Computational Materials and/or the assumptions upon which they are based reflect present
market conditions or future market performance. These Computational Materials should not be construed as either projections or
predictions. The specific characteristics of the securities may differ from those shown in the Computational Materials due to
differences between the final underlying assets and the preliminary underlying assets used in preparing the Computational Materials.
Neither JPMorgan nor any of its affiliates makes any representation or warranty as to the actual rate or timing of payments or losses
on any of the underlying assets or the payments or yield on the securities.
THIS INFORMATION IS FURNISHED TO YOU SOLELY BY JPMORGAN AND NOT BY THE ISSUER OR ANY OF ITS AFFILIATES (OTHER THAN JPMORGAN).
JPMORGAN IS ACTING AS UNDERWRITER AND NOT ACTING AS AGENT FOR THE ISSUER IN CONNECTION WITH THE OFFERING TO WHICH THIS COMMUNICATION
RELATES.
Copyright 2007 JPMorgan Chase & Co. – All rights reserved. J.P. Morgan Securities Inc. (JPMSI), member NYSE and SIPC. JPMorgan is
the marketing name used by the specific legal entity or entities named in the attached materials. Clients should contact analysts
and execute transactions through a JPMorgan Chase & Co. subsidiary or affiliate in their home jurisdiction unless governing law
permits otherwise.
JPMORGAN
New Issue Computational Materials$1,185,871,000 (Approximate)
GMACM Home Equity Loan Trust 2007-HE1
Issuing Entity
Residential Asset Mortgage Products, Inc.
Depositor
GMAC Mortgage, LLC
Sponsor and Servicer
March 21, 2007
Expected Timing: Pricing Date: On or about March 23, 2007
Closing Date: On or about March 29, 2007
First Payment Date: April 25, 2007
Structure: Initial Collateral: Approximately $1,185,871,169 Closed-End, Fixed-Rate, Primarily Second-Lien
Home Equity Loans
Rating Agencies: Moody's and Standard & Poor's
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Preliminary Term SheetPrepared: March 21, 2007$1,185,871,000 (Approximate)GMACM HOME EQUITY LOAN TRUST 2007-HE1
____________________________________________________________________________________________________________________________________
Note WAL (Yrs.) Payment Window Expected Rating Legal Final
Class(1) Balance(2) Call/Mat(3) Call/Mat (Months)(3) Note Rate Note Type (S&P/Moody's) Maturity
____________________________________________________________________________________________________________________________________
A-1 $677,500,000 1.00 / 1.00 1 - 23 / 1 – 23 Floater(4) Sequential AAA/Aaa August 2037
A-2 $136,300,000 2.20 / 2.20 23 - 30 / 23 – 30 Fixed(5) Sequential AAA/Aaa August 2037
A-3 $129,600,000 3.00 / 3.00 30 - 43 / 30 – 43 Fixed(5) Sequential AAA/Aaa August 2037
A-4 $123,871,000 4.51 / 5.16 43 - 61 / 43 – 139 Fixed(5) Sequential AAA/Aaa August 2037
A-5 $118,600,000 4.70 / 5.85 37 - 61 / 37 - 137 Fixed (5) NAS AAA/Aaa August 2037
Total$1,185,871,000
____________________________________________________________________________________________________________________________________
(1) The Class A-1, Class A-2 , Class A-3, Class A-4, and Class A-5 Notes are backed by a pool of closed-end, fixed-rate, primarily
second-lien home equity loans (the "Mortgage Loans").
(2) Subject to a plus or minus 10% variance.
(3) The Weighted Average Life and Payment Windows are shown to the Optional Redemption (as defined herein) and to maturity based on
the Pricing Prepayment Assumption (as described herein).
(4) The Class A-1 Notes will accrue interest at a rate equal to the lesser of (i) One Month LIBOR plus the related margin (ii) the
Net WAC Rate and (iii) 10.00%. The Class A-1 Notes will also be entitled to certain amounts received under the Class A-1 Cap
Agreement.
(5) The Class A-2, Class A-3, Class A-4 and Class A-5 Notes rates will be equal to the lesser of (i) a fixed rate determined at
pricing and (ii) the Net WAC Rate. The Note Rate on the Class A-4 and Class A-5 Notes will increase by 0.50% per annum for each
Payment Date beginning with the second Payment Date that the servicer could purchase the mortgage loans as described hereon.
Depositor: Residential Asset Mortgage Products, Inc.
Seller and Servicer: GMAC Mortgage, LLC ("GMACM") and a trust established by an affiliate of GMACM will be the Sellers of
the mortgage Loans. GMACM will be the Servicer of the mortgage loans.
Bond Insurer: MBIA Insurance Corporation
Lead Manager: J.P. Morgan Securities Inc.
Co-Managers: Greenwich Capital Markets, Inc.
Residential Funding Securities, LLC
Owner Trustee: Wilmington Trust Company.
Indenture Trustee: Bank of New York Trust Company, N.A.
Class A-1 Cap Provider: JP Morgan Chase Bank, NA
Notes: The Class A-1, Class A-2, Class A-3, Class A-4 ,and Class A-5 Notes (collectively, the "Class A Notes"
or the "Notes"). The Notes are being offered publicly.
Federal Tax Status: It is anticipated that the Notes will represent ownership of regular interests in a real estate
mortgage investment conduit and will be treated as representing ownership of debt for federal income
tax purposes.
3
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Registration: The Notes will be available in book-entry form through DTC and only upon request through Clearstream,
Luxembourg and the Euroclear System.
Cut-off Date: March 1, 2007.
Expected Pricing Date: On or about March 23, 2007.
Expected Closing Date: On or about March 29, 2007.
Payment Date: The 25th day of each month (or if not a business day, the next succeeding business day) commencing in
April 2007.
Interest Accrual Period: With respect to each Payment Date, the "Interest Accrual Period" with respect to the Class A-1 Notes
will be calculated beginning on the previous Payment Date (or, in the case of the first Payment Date,
the Closing Date) and ending on the day prior to such Payment Date. Interest on the Class A-1 Notes
will be calculated on an actual/360 basis.
The Interest Accrual Period with respect to the Class A-2, Class A-3, Class A-4, and Class A-5 Notes
will be the calendar month proceeding the month in which such Payment Date occurs. Interest on the
Class A-2, Class A-3, Class A-4, and Class A-5 Notes will accrue on a 30-day month and a 360-day year.
Accrued Interest: The Class A-1 Notes will settle flat on the Closing Date. The price to be paid by investors for the
Class A-2, Class A-3, Class A-4, and Class A-5 Notes will include "Accrued Interest" from March 1,2007 up to, but not including, the Closing Date (28 days).
Credit Enhancement: Excess spread, overcollateralization, and a Policy (as defined herein) to be provided by MBIA.
ERISA Eligibility: The Notes are expected to be eligible for purchase by persons investing assets of employee benefit
plans or other retirement arrangements subject to Title I of ERISA or Section 4975 of the Code.
Prospective investors must review the Prospectus and Prospectus Supplement and consult with their
professional advisors for a more detailed description of these matters prior to investing in the Notes.
SMMEA Treatment: The Notes will not constitute "mortgage related securities" for purposes of SMMEA.
Optional Redemption: A principal payment may be made to redeem the Notes upon the exercise by the Servicer of its option to
purchase the Mortgage Loans together with the assets of the trust after the aggregate principal
balance of the Notes has been reduced to an amount less than 10% of the aggregate principal balance of
the Notes as of the Closing Date.
Pricing Prepayment
Assumption: Months 1 through Month 12: 12% CPR – 40% CPR
Months 13 through Month 24: 40% CPR
Months 25 through Month 36: 40% CPR – 35% CPR
Month 37 and thereafter: 35% CPR
Net Loan Rate: The "Net Loan Rate" for any Mortgage Loan will be equal to the mortgage rate for such
Mortgage Loan less the servicing fee rate.
4
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Net WAC Rate: The "Net WAC Rate" for any Payment Date is a per annum rate equal to the excess, if any, of (i) the
weighted average of the Net Loan Rates of the mortgage loans, weighted on the basis of the aggregate
principal balances thereof as of the due date in the month preceding the month of such Payment Date,
over (ii) the premium rate on the Policy, multiplied by a fraction, the numerator of which is the
aggregate principal balance of the Class A Notes and the denominator of which is the aggregate
principal balance of the Mortgage Loans as of the due date in the month preceding the month of such
Payment Date. For the Class A-1 Notes only, the Net WAC Rate is adjusted to an effective rate
reflecting the accrual of interest on an actual/360 basis.
Initial Mortgage Loans: As of the Cut-off Date, the aggregate principal balance of the initial mortgage loans was
approximately $889,403,377, the "Initial Mortgage Loans." See the attached collateral descriptions
for additional information on the Initial Mortgage Loans.
Pre-funding: On the Closing Date, approximately $296,467,792 will be deposited into an account designated the
"Pre-Funding Account". This amount will be funded from the proceeds of the sale of the Notes. During
the pre-funding period, funds on deposit in the Pre-Funding Account will be used by the trust to buy
mortgage loans from the Sellers from time to time.
The pre-funding period will be the period from the closing date to the earliest of (i) the date on
which the amount on deposit in the Pre-Funding Account is less than $100,000, (ii) the Distribution
Date in June 2007 and (iii) the occurrence, if any, of a default by the Servicer under the servicing
agreement.
The mortgage loans sold to the trust after the Closing Date will conform to certain specified
characteristics.
Amounts on deposit in the Pre-Funding Account will be invested in permitted investments as specified
in the Indenture. Any amounts remaining in the Pre-Funding Account at the end of the pre-funding
period will be used to make principal payments on the Class A Notes on a pro rata basis.
Overcollateralization
Amount: The "Overcollateralization Amount" is equal to the excess of the aggregate principal balance of the
Mortgage Loans over the aggregate principal balance of the Class A Notes. On any Payment Date, to the
extent the Overcollateralization Amount is less than the Overcollateralization Target Amount, excess
spread will be directed to build the Overcollateralization Amount until the Overcollateralization
Target Amount is reached. On the Closing Date the Overcollateralization Amount will be equal to
approximately 0.00% of the aggregate principal balance of the Mortgage Loans as of the Cut-off Date,
together with the amount deposited in the Pre-Funding Account on the Closing Date.
5
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Overcollateralization Target
Amount: On any Payment Date prior to the Stepdown Date, excess spread will be applied as a payment of
principal on the Class A Notes, then entitled to principal, to build the Overcollateralization Amount
until such amount equals 1.85% of the sum of (i) aggregate principal balance of the Mortgage Loans as
of the Cut-off Date and (ii) the amount deposited in the Pre-Funding Account on the Closing Date (the
"Overcollateralization Target Amount"). On or after the Stepdown Date, the Overcollateralization
Target Amount will be allowed to step down to a certain amount (specified in the Indenture, subject to
certain performance triggers) provided that the Overcollateralization Target Amount may not be less
than 0.50% of the aggregate principal balance of the Mortgage Loans as of the Cut-off Date, together
with the amount deposited in the Pre-Funding Account on the Closing Date.
Stepdown Date: The later to occur of:
(i) the Payment Date in October 2009; and,
(ii) the first Payment Date in which the aggregate principal balance of the Mortgage Loans is less
than 50% of the aggregate principal balance of the Mortgage Loans plus any amounts in the Pre-Funding
Account as of the Cut-off Date.
The Policy: MBIA will issue a note insurance policy ("The Policy") with respect to the Notes which will guarantee
timely payment of interest (net of prepayment interest shortfalls and Relief Act interest shortfalls)
and ultimate repayment of principal to the holders of the Notes. MBIA will have the option, in it's
sole discretion, to cover the amount, if any, by which the aggregate principal balance of the Notes
exceeds the aggregate principal balance of the Mortgage Loans on any Payment Date. The Policy does
not cover any Interest Carry Forward Amount or any amount due under the Class A-1 Cap Agreement.
Priority of
Distributions: Available funds will be distributed in the following order of priority:
(1) to the Bond Insurer, its premium;
(2) to the holders of the Notes, accrued interest and any unpaid interest;
(3) to the holders of the Class A-5 Notes in the amount of the Class A-5 Lockout Distribution
Amount;
(4) to the holders of the Class A-1, Class A-2, Class A-3, Class A-4, and Class A-5 Notes
principal (without regard to the Class A-5 Lockout Distribution Amount), sequentially;
(5) to the Bond Insurer, for unreimbursed draws made on the Policy, with interest thereon;
(6) to the holders of the Class A-1, Class A-2, Class A-3, Class A-4, and Class A-5 Notes
sequentially, any excess spread used to build overcollateralization, if required;
(7) to the Bond Insurer, any amounts due under the Insurance Agreement, with interest thereon, and
not paid pursuant to clause (5);
(8) to the indenture trustee, any unpaid expenses and other reimbursable amounts;
(9) pro rata, any Interest Carry Forward Amount; and
(10)any remaining amounts to holders of the certificates.
Class A-5 Lockout
Distribution Amount: For any Payment Date, the product of (x) the Class A-5 Lockout Percentage for that Payment Date and
(y) the Class A-5 Pro Rata Distribution Amount for that Payment Date.
6
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Class A-5 Lockout
Percentage: For each Payment Date, the applicable percentage set forth below:
Payment Date Lockout Percentage
April 2007 through March 2010 0%
April 2010 through March 2012 45%
April 2012 through March 2013 80%
April 2013 through March 2014 100%
April 2014 and thereafter 300%
Class A-5 Pro Rata
Distribution Amount: For any Payment Date, an amount equal to the product of (x) a fraction, the numerator of which is the
principal balance of the Class A-5 Notes immediately prior to that Payment Date and the denominator of
which is the aggregate principal balance of the Class A Notes immediately prior to that Payment Date
and (y) the principal distribution amount for that Payment Date.
The information herein will be superseded in its entirety by the final prospectus and prospectus supplement relating to the securities.
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOUDID NOT RECEIVE SUCH A DISCLAIMER, PLEASE CONTACT YOUR JPMORGAN SALES REPRESENATIVE.
7
Interest Carry Forward
Amount:
For any Payment Date and any class of Notes other than the Class A-1 Notes, the sum of:
1) if on that Payment Date the Note Rate on the Notes for a particular class is limited to the Net
WAC Rate, the excess of:
o The amount of interest that the class of Notes would have been entitled to receive
without regard to the Net WAC Rate, over
o The amount of interest that that class of Notes was entitled to receive on that Payment
Date because the applicable Note Rate was calculated at the Net WAC Rate; and
2) the Interest Carry Forward Amount for all previous Payment Dates for such class of Notes not
previously paid, together with interest thereon at a rate equal to the applicable Note Rate for
that Payment Date.
For any Payment Date and the Class A-1 Notes, the sum of:
1) if on that Payment Date the Note Rate on the Class A-1 Notes is limited to the Net WAC Rate, the
excess of:
o The amount of interest that the Class A-1 Notes would have been entitled to receive on
that Payment Date had the applicable Note Rate been calculated as a per annum rate equal
to the lesser of:
a) One-Month LIBOR plus the related Note Margin; and
b) 10.00%; over
o The amount of interest that that Class A-1 Notes were entitled to receive on that Payment
Date because the applicable Note Rate was calculated at the Net WAC Rate; and
2) the Interest Carry Forward Amount for all previous Payment Dates for the Class A-1 Notes not
previously paid, together with interest thereon at a rate equal to the applicable Note Rate for
that Payment Date.
The policy will not cover Interest Carry Forward Amounts.
Class A-1 Cap Agreement: On the Closing Date, the Indenture Trustee will enter into the Class A-1 Cap Agreement with the cap
counterparty described in the prospectus supplement for the benefit of the of the Class A-1 Notes.
With respect to the Class A-1 Notes and each Payment Date, payments under the Class A-1 Cap Agreement
will be made based on (a) an amount equal to the Class A-1 Yield Maintenance Agreement Notional
Balance for that payment date as set forth in the prospectus supplement and (b) the positive excess of
(i) the lesser of (x) One-Month LIBOR and (y) 9.86% per annum, over (ii) the Class A-1 Monthly Strike
Rate for that Payment Date as set forth in the prospectus supplement, calculated on an actual/360-day
basis. The Class A-1 Cap Agreement will terminate on the Payment Date in February 2009. The amounts
due under the Class A-1 Cap Agreement are not insured under the Policy.
8
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Prepayment Speed Sensitivity Table (To Call)
________________________________________________________________________________________________________________
Prepayment Speed 50% 75% 100% 125% 150%
________________________________________________________________________________________________________________
Class A-1
WAL (yrs) 1.79 1.26 1.00 0.84 0.73
Principal Window (months) 1 - 48 1 - 31 1 - 23 1 - 19 1 - 16
# of months of principal 48 31 23 19 16
payment
Class A-2
WAL (yrs) 4.82 3.04 2.20 1.75 1.45
Principal Window (months) 48 - 70 31 - 43 23 - 30 19 - 24 16 - 20
# of months of principal 23 13 8 6 5
payment
Class A-3
WAL (yrs) 7.55 4.37 3.00 2.24 1.82
Principal Window (months) 70 - 119 43 - 64 30 - 43 24 - 32 20 - 25
# of months of principal 50 22 14 9 6
payment
Class A-4
WAL (yrs) 10.38 6.58 4.51 3.23 2.40
Principal Window (months) 119 - 125 64 - 84 43 - 61 32 - 46 25 - 35
# of months of principal 7 21 19 15 11
payment
Class A-5
WAL (yrs) 6.96 5.89 4.70 3.74 2.91
Principal Window (months) 37 - 125 37 - 84 37 - 61 37 - 46 35 - 35
# of months of principal 89 48 25 10 1
payment
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Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Prepayment Speed Sensitivity Table (To Maturity)
________________________________________________________________________________________________________________
Prepayment Speed 50% 75% 100% 125% 150%
________________________________________________________________________________________________________________
Class A-1
WAL (yrs) 1.79 1.26 1.00 0.84 0.73
Principal Window (months) 1 - 48 1 - 31 1 - 23 1 - 19 1 - 16
# of months of principal 48 31 23 19 16
payment
Class A-2
WAL (yrs) 4.82 3.04 2.20 1.75 1.45
Principal Window (months) 48 - 70 31 - 43 23 - 30 19 - 24 16 - 20
# of months of principal 23 13 8 6 5
payment
Class A-3
WAL (yrs) 7.55 4.37 3.00 2.24 1.82
Principal Window (months) 70 - 119 43 - 64 30 - 43 24 - 32 20 - 25
# of months of principal 50 22 14 9 6
payment
Class A-4
WAL (yrs) 12.97 8.55 5.16 3.28 2.40
Principal Window (months) 119 - 213 64 - 179 43 - 139 32 - 53 25 - 35
# of months of principal 95 116 97 22 11
payment
Class A-5
WAL (yrs) 7.02 6.29 5.85 5.10 4.05
Principal Window (months) 37 - 179 37 - 179 37 - 137 37 - 106 35 - 83
# of months of principal 143 143 101 70 49
payment
10
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
GMACM Series 2007-HE1Collateral Characteristics (Closed End Second Liens)Initial Closed End Second Lien Mortgage LoansAs of the Cut-off DateMinimumMaximum
Scheduled Principal Balance $889,403,377 $2,157 $998,055
Average Scheduled Principal Balance $53,456
Number of Mortgage Loans 16,638
Weighted Average Gross Coupon 8.707% 5.250% 16.600%
Weighted Average FICO Score 716 577 819
Weighted Average Combined Original LTV 78.21% 1.75% 100.00%
Weighted Average Original Term 220 60 360
Weighted Average Stated Remaining Term 219 39 360
Weighted Average Seasoning 1 0 78
Maturity Date June 25, 2010April 1, 2037
Maximum ZIP Code Concentration 85364(0.17%)
ARM 0.00% Investor 2.13%
Fixed Rate 100.00% Primary 95.88%
Second Home 1.99%
Interest Only 0.00%
Not Interest Only 100.00% 2-4 Units 1.71%
Condo 5.59%
First Lien 5.45% Manufactured Housing 0.00%
Second Lien 94.55% PUD 8.68%
Single Family 84.00%
Full Documentation 54.91% Townhouse 0.02%
GMAC AAA Documentation 30.95%
Lite Documentation 1.82% Top Five States
Stated Income Documentation 9.87% California 20.73%
No Documentation 2.44% Florida 6.39%
New Jersey 5.82%
Cash Out Refinance 82.68% Michigan 4.93%
Purchase 12.15% Arizona 4.33%
Rate/Term Refinance 5.16%
_____________________________
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Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Original Principal Balances
_________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Range of Number Current Current Weighted Average Average
Original Principal of Principal Principal Average Original Credit
Balances ($) Loans Balance Balance Coupon CLTV Score
_________________________________________________________________________________________________________________________________
25,000.00 or less 3,501 $71,939,038.29 8.09 % 9.052 % 74.36 % 708
25,000.01 - 50,000.00 7,018 265,642,652.26 29.87 8.970 77.02 709
50,000.01 - 75,000.00 3,074 190,826,224.45 21.46 8.743 79.50 718
75,000.01 - 100,000.00 1,566 138,155,602.12 15.53 8.684 78.62 715
100,000.01 - 125,000.00 606 68,472,174.62 7.70 8.421 80.53 721
125,000.01 - 150,000.00 369 51,137,549.75 5.75 8.432 79.06 718
150,000.01 - 175,000.00 191 31,226,382.58 3.51 8.264 81.95 724
175,000.01 - 200,000.00 153 29,183,471.20 3.28 8.219 79.45 720
200,000.01 - 225,000.00 49 10,491,832.63 1.18 7.980 79.21 727
225,000.01 - 250,000.00 43 10,294,866.11 1.16 8.124 79.40 725
250,000.01 - 275,000.00 19 5,040,188.34 0.57 7.869 78.19 724
275,000.01 - 300,000.00 29 8,501,066.03 0.96 7.548 79.01 752
300,000.01 - 325,000.00 3 954,216.28 0.11 7.589 75.14 759
325,000.01 - 350,000.00 5 1,716,879.83 0.19 8.131 73.19 761
350,000.01 - 375,000.00 4 1,440,634.64 0.16 7.532 74.58 730
375,000.01 - 400,000.00 2 776,000.00 0.09 6.969 74.51 787
400,000.01 - 425,000.00 2 824,542.71 0.09 7.851 46.15 779
475,000.01 - 500,000.00 2 1,000,000.00 0.11 8.050 67.15 790
775,000.01 - 800,000.00 1 782,000.00 0.09 6.000 73.61 728
975,000.01 - 1,000,000.00 1 998,055.26 0.11 8.500 48.92 738
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
o As of the cut-off date, the average original principal balance of the loans was $53,600.
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Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Outstanding Principal Balances
_________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Range of Number Current Current Weighted Average Average
Outstanding Principal of Principal Principal Average Original Credit
Balances ($) Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
25,000.00 or less 3,540 $72,854,659.49 8.19 % 9.049 % 74.33 % 708
25,000.01 - 50,000.00 6,990 265,214,580.08 29.82 8.970 77.04 709
50,000.01 - 75,000.00 3,068 190,578,006.73 21.43 8.743 79.49 718
75,000.01 - 100,000.00 1,562 138,010,272.32 15.52 8.682 78.61 715
100,000.01 - 125,000.00 605 68,378,173.12 7.69 8.422 80.53 721
125,000.01 - 150,000.00 370 51,279,530.57 5.77 8.431 79.11 718
150,000.01 - 175,000.00 190 31,084,401.76 3.49 8.265 81.89 724
175,000.01 - 200,000.00 153 29,183,471.20 3.28 8.219 79.45 720
200,000.01 - 225,000.00 49 10,491,832.63 1.18 7.980 79.21 727
225,000.01 - 250,000.00 43 10,294,866.11 1.16 8.124 79.40 725
250,000.01 - 275,000.00 19 5,040,188.34 0.57 7.869 78.19 724
275,000.01 - 300,000.00 29 8,501,066.03 0.96 7.548 79.01 752
300,000.01 - 325,000.00 3 954,216.28 0.11 7.589 75.14 759
325,000.01 - 350,000.00 5 1,716,879.83 0.19 8.131 73.19 761
350,000.01 - 375,000.00 4 1,440,634.64 0.16 7.532 74.58 730
375,000.01 - 400,000.00 2 776,000.00 0.09 6.969 74.51 787
400,000.01 - 425,000.00 2 824,542.71 0.09 7.851 46.15 779
475,000.01 - 500,000.00 2 1,000,000.00 0.11 8.050 67.15 790
775,000.01 - 800,000.00 1 782,000.00 0.09 6.000 73.61 728
975,000.01 - 1,000,000.00 1 998,055.26 0.11 8.500 48.92 738
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
o As of the cut-off date, the average outstanding principal balance of the loans was $53,456.
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Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Original Term to Scheduled Maturity
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Original Term to Number Current Current Weighted Average Average
Scheduled Maturity of Principal Principal Average Original Credit
(months) Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
1 - 60 160 $4,273,306.22 0.48 % 8.069 % 56.33 % 741
61 - 120 634 21,855,761.97 2.46 8.108 61.88 731
121 - 180 10,377 539,851,638.63 60.70 8.550 79.29 721
181 - 240 450 25,662,915.64 2.89 8.317 74.64 723
241 - 300 4,980 295,086,839.33 33.18 9.080 77.99 703
301 - 360 37 2,672,915.31 0.30 8.831 88.99 718
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
o As of the cut-off date, the weighted average Original Term to Scheduled Maturity of the loans was
220 months.
Remaining Term to Scheduled Maturity
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Range of Remaining Term Number Current Current Weighted Average Average
To Scheduled Maturity of Principal Principal Average Original Credit
(months) Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
1 - 60 160 $4,273,306.22 0.48 % 8.069 % 56.33 % 741
61 - 120 637 21,934,160.51 2.47 8.119 61.93 731
121 - 180 10,375 539,819,730.17 60.69 8.550 79.29 721
181 - 240 454 25,768,532.58 2.90 8.324 74.62 722
241 - 300 4,975 294,934,732.31 33.16 9.080 77.99 703
301 - 360 37 2,672,915.31 0.30 8.831 88.99 718
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
o As of the cut-off date, the weighted average Remaining Term to Scheduled Maturity of the loans was
219 months.
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Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Debt-to-Income Ratios
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
Range of of Principal Principal Average Original Credit
Debt-to-Income Ratios (%) Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
<= 0.00 478 $28,417,026.79 3.20 % 9.793 % 76.06 % 717
0.01 - 20.00 620 30,666,981.43 3.45 7.998 61.08 742
20.01 - 25.00 873 38,902,958.52 4.37 8.228 68.17 735
25.01 - 30.00 1,497 76,318,163.35 8.58 8.235 72.92 730
30.01 - 35.00 2,249 113,338,181.83 12.74 8.407 76.06 724
35.01 - 40.00 2,837 148,194,302.75 16.66 8.668 79.16 715
40.01 - 45.00 3,786 206,114,565.78 23.17 8.798 79.80 710
45.01 - 50.00 2,608 148,704,715.30 16.72 8.963 82.97 708
50.01 - 55.00 1,174 66,976,586.22 7.53 9.078 83.33 703
55.01 - 60.00 412 25,856,948.25 2.91 8.889 81.54 702
60.01 >= 104 5,912,946.88 0.66 8.540 81.90 715
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
o As of the cut-off date, the weighted average Debt Ratio of the loans was 39.47%.
Fixed Rate and Adjustable Rate Loans
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
Fixed Rate / of Principal Principal Average Original Credit
Adjustable Rate Loans Balance Balance Coupon CLTV Score
Fixed Rate Mortgage 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
Product Type Descriptions
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Product Type Description Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
5 Yr Fixed 160 $4,273,306.22 0.48 % 8.069 % 56.33 % 741
10 Yr Fixed 634 21,855,761.97 2.46 8.108 61.88 731
15 Year Fixed 4,540 205,338,244.55 23.09 8.185 69.05 722
20 Year Fixed 450 25,662,915.64 2.89 8.317 74.64 723
25 Year Fixed 4,980 295,086,839.33 33.18 9.080 77.99 703
30 Year Fixed 37 2,672,915.31 0.30 8.831 88.99 718
15/30 Fixed Balloon 5,837 334,513,394.08 37.61 8.774 85.58 721
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
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Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Interest Only
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Interest Only Loans Balance Balance Coupon CLTV Score
Not Interest Only 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
Lien Position
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Lien Loans Balance Balance Coupon CLTV Score
First Lien 885 $48,470,344.58 5.45 % 8.248 % 49.36 % 721
Second Lien 15,753 840,933,032.52 94.55 8.733 79.88 715
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
Documentation Type
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Documentation Type Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
Standard 10,056 $488,412,996.53 54.91 % 9.166 % 84.29 % 699
AAA 4,363 275,299,902.83 30.95 7.760 65.83 741
Family First Direct 521 27,327,073.30 3.07 7.869 75.80 739
Stated Income 461 24,860,412.61 2.80 9.715 89.99 721
Stated Documentation 228 18,745,606.01 2.11 9.683 82.55 703
No Income / No Appraisal 219 13,124,900.71 1.48 9.276 73.57 727
Relocation 251 11,319,276.61 1.27 8.404 90.81 736
Select 117 9,159,831.41 1.03 7.831 77.48 744
No Income Verification 122 6,709,785.53 0.75 9.781 75.47 718
GO FAST 139 4,637,842.00 0.52 8.129 90.73 760
NO RATIO 62 4,530,839.27 0.51 10.512 83.52 701
NO DOC 73 3,929,616.94 0.44 10.702 76.73 703
GM Expanded Family 14 720,984.82 0.08 8.133 77.98 732
SUPER SELECT 1 250,000.00 0.03 7.375 73.77 766
Super Express 5 154,771.44 0.02 9.134 83.88 719
NO INCOME/NO ASSET 2 121,884.34 0.01 10.160 78.85 648
FAST 4 97,652.75 0.01 7.496 87.19 752
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
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Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Loan Purpose
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Loan Purpose Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
Cashout Refinance 7,534 $416,679,954.47 46.85 % 8.655 % 75.95 % 716
Debt Consolidation 4,838 261,830,916.37 29.44 8.859 75.84 705
Purchase 2,374 108,084,113.31 12.15 8.761 95.50 736
Home Improvement 1,050 56,565,749.46 6.36 8.615 74.61 721
Refinance 833 45,934,019.98 5.16 8.299 76.11 724
Education 9 308,623.51 0.03 8.802 61.61 754
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
Property Type
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Property Type Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
Single Family 13,916 $747,085,893.58 84.00 % 8.694 % 76.96 % 714
Planned Unit Development 1,419 77,231,386.75 8.68 8.771 87.84 722
Condominium 1,037 49,738,157.40 5.59 8.698 83.17 725
Multi Family 262 15,212,883.88 1.71 9.058 74.36 713
Townhouse 4 135,055.49 0.02 8.077 95.72 752
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
Occupancy Status
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Occupancy Status Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
Primary Residence 15,901 $852,720,512.56 95.88 % 8.679 % 78.39 % 715
Investment Property 429 18,940,442.31 2.13 9.995 74.43 713
Second Home 308 17,742,422.23 1.99 8.684 73.72 727
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
Year of Origination
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Year of Origination Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
2000 4 $133,913.43 0.02 % 11.197 % 81.41 % 617
2001 4 118,688.41 0.01 10.680 80.15 622
2002 1 24,393.80 0.00 11.375 84.33 606
2003 7 171,290.21 0.02 8.432 85.03 650
2004 3 58,068.52 0.01 8.116 55.79 624
2005 6 180,684.06 0.02 9.157 68.29 602
2006 6,188 326,239,315.18 36.68 8.774 79.31 715
2007 10,425 562,477,023.49 63.24 8.667 77.58 716
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
19
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Balloon Loans
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Balloon Loans Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
Balloon Loan 5,837 $334,513,394.08 37.61 % 8.774 % 85.58 % 721
Not Balloon Loan 10,801 554,889,983.02 62.39 8.666 73.77 713
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
20
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Geographical Distribution by State
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
State Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
Alabama 164 $6,122,942.34 0.69 % 9.194 % 80.35 % 701
Alaska 76 4,175,930.47 0.47 9.377 83.54 699
Arizona 720 38,505,983.67 4.33 8.740 79.23 715
Arkansas 45 1,483,214.42 0.17 8.335 97.28 735
California 2,489 184,335,435.42 20.73 8.411 70.90 719
Colorado 469 24,111,774.62 2.71 8.608 86.34 728
Connecticut 358 18,904,574.53 2.13 8.970 80.70 711
Delaware 104 5,463,545.30 0.61 8.886 84.75 717
District Of Columbia 16 807,649.41 0.09 8.779 77.36 719
Florida 1,070 56,861,552.62 6.39 8.841 74.32 707
Georgia 405 17,498,634.61 1.97 8.985 83.85 711
Hawaii 108 9,784,998.03 1.10 9.060 73.63 719
Idaho 141 6,421,087.63 0.72 8.955 81.66 707
Illinois 657 33,541,546.28 3.77 8.784 83.63 718
Indiana 402 15,211,598.74 1.71 8.836 85.14 719
Iowa 150 4,979,777.73 0.56 8.987 85.98 718
Kansas 93 3,521,622.83 0.40 9.035 83.48 717
Kentucky 103 4,171,761.24 0.47 9.332 84.26 697
Louisiana 130 5,730,006.11 0.64 9.139 81.44 704
Maine 108 4,957,674.75 0.56 8.681 75.05 710
Maryland 366 21,802,769.53 2.45 8.702 77.13 707
Massachusetts 516 28,460,247.09 3.20 8.545 82.14 724
Michigan 1,017 43,882,751.44 4.93 8.529 83.48 729
Minnesota 198 10,412,864.76 1.17 8.639 83.19 722
Mississippi 101 3,558,871.42 0.40 9.268 84.06 706
Missouri 296 11,190,864.74 1.26 8.905 81.79 718
Montana 78 3,659,644.60 0.41 9.106 76.78 719
Nebraska 55 2,062,976.40 0.23 8.851 87.91 719
Nevada 228 12,602,443.72 1.42 8.795 76.20 713
New Hampshire 185 8,997,429.83 1.01 8.714 82.36 718
New Jersey 774 51,798,144.69 5.82 8.535 77.04 714
New Mexico 81 4,321,988.17 0.49 9.088 73.38 695
New York 596 35,635,989.70 4.01 8.671 71.69 710
North Carolina 374 16,588,762.13 1.87 8.895 82.32 719
North Dakota 15 488,141.90 0.05 8.636 82.40 726
Ohio 274 10,211,808.25 1.15 9.152 82.60 706
Oklahoma 136 4,753,124.42 0.53 9.153 80.57 714
Oregon 298 16,164,608.56 1.82 8.825 82.00 713
Pennsylvania 637 29,803,003.86 3.35 9.014 80.92 711
Rhode Island 69 4,158,210.39 0.47 8.744 78.27 719
South Carolina 224 8,141,891.06 0.92 9.112 84.71 709
South Dakota 14 555,964.17 0.06 8.576 84.67 749
Tennessee 215 8,407,504.53 0.95 9.199 85.14 708
Texas 409 15,910,294.51 1.79 8.507 76.44 713
Utah 249 12,139,692.36 1.36 8.877 83.11 709
Vermont 45 2,376,046.22 0.27 9.269 77.27 694
Virginia 567 32,380,362.53 3.64 8.717 79.03 714
Washington 449 27,047,904.08 3.04 8.681 81.64 713
West Virginia 79 3,332,714.19 0.37 9.421 78.35 692
Wisconsin 229 9,392,797.27 1.06 8.623 83.63 727
Wyoming 56 2,572,249.83 0.29 8.607 83.44 730
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
o As of the cut-off date, no more than approximately 0.17% of the mortgage loans were secured by
mortgage properties in any one postal zip code (85364).
21
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Prepayment Penalty Flag
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Prepayment Penalty Flag Loans Balance Balance Coupon CLTV Score
No Prepayment Penalty 16,635 $889,163,734.76 99.97 % 8.706 % 78.21 % 716
Prepayment Penalty 3 239,642.34 0.03 10.365 95.56 691
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
23
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
Original Prepayment Penalty Term
____________________________________________________________________________________________________________________________________
Percent of Weighted Weighted
Number Current Current Weighted Average Average
of Principal Principal Average Original Credit
Prepayment Penalty Term Loans Balance Balance Coupon CLTV Score
____________________________________________________________________________________________________________________________________
None 16,635 $889,163,734.76 99.97 % 8.706 % 78.21 % 716
36 3 239,642.34 0.03 10.365 95.56 691
____________________________________________________________________________________________________________________________________
Total: 16,638 $889,403,377.10 100.00 % 8.707 % 78.21 % 716
24
Free Writing Prospectus forGMACM 2007-HE1
____________________________________________________________________________________________________________________________________
JP Morgan Contact List
-------------------------------------------------------------- -----------------------------------------------------------
North American ABS – Home Equity Syndicate/Sales Desk
-------------------------------------------------------------- -----------------------------------------------------------
Origination: Brian Bernard 212-834-5139 Brian McDonald 212-834-4154
Paul White* 212-834-5440 Andy Cherna 212-834-4154
Tom Roh 212-834-5936 Randall Outlaw 212-834-4154
Jamie Gordon 212-834-5409 Melissa Traylor 212-834-4154
Shayna Stephanak 212-834-5727
Kathryn Bauer* 212-834-9986
Danielle Stiles 212-834-5738
-----------------------------------------------------------
Asset-Backed Trading
-----------------------------------------------------------
Peter Basso 212-834-3720
Structuring Vikas Garg 212-834-9593 Maria Lopes 212-834-3720
Haroon Jawadi 212-834-5308 Vikas Sarna 212-834-3720
Kavitha 212-834-5399 Nick Sykes 212-834-3720
Vignarajah
Alex Louis-Jeune 212-834-5033
Alissa Smith* 212-834-5432
Lei Tie 212-834-9148
Steven Wang 212-834-5833
The information herein will be superseded in its entirety by the final prospectus and prospectus supplement relating to the securities.
THIS PAGE MUST BE ACCOMPANIED BY A DISCLAIMER. IF YOUDID NOT RECEIVE SUCH A DISCLAIMER, PLEASE CONTACT YOUR JPMORGAN SALES REPRESENATIVE.
25
Dates Referenced Herein and Documents Incorporated by Reference