Ratings

The experts agree: GMAC Mortgage is a recognized industry leader.

National rating services and other industry experts have honored us with the distinguished ratings below. You can be assured that we’ll have the financial strength and operational stability you need in a subservicing partner.

Fitch has assigned us the first-ever subservicing rating. This rating was based on a number of factors, including our solid loan administration practices, experienced management team, comprehensive internal controls, robust technology platform and demonstrated ability to provide effective subservicing for third party portfolios.

Fitch

• Prime Servicer RPS2+
• Alt-A Servicer RPS2+
• Home Equity Servicer RPS2
• High LTV Servicer RPS2
• Subprime Servicer RPS2
• Subservicer RPS2+
• Special Servicer RSS2+
• Master Servicing RMS2+

Ratings as of December 2007

S&P

• Residential Servicer “Strong”
• Alternative Servicer “Strong”
• Subprime Servicer “Above Average”
• Special Servicer “Above Average”

Ratings as of October 2005

Agency Ratings

• Freddie Mac Tier One Platinum Servicer - As of February 2008
• Agency rated "Superior" - As of July 2007
• Freddie Mac Tier One - Default - As of March 2007
• Freddie Mac Tier One - Investor - As of August 2007