| DEAL NAME | MSM 2007-10XS |
| Closing Date | 6/29/2007 |
| |
| Initial Collateral Characteristics | |
| Principal Balance ($) | 557,457,043 |
| |
| Sellers (Over 10%) | Morgan Stanley Mortgage Capital Inc.(76.17%) |
| |
| Servicers (Over 10%) | GMAC Mortgage Corporation(88.26%) |
| |
| Number of Loans | 1,461 |
| Avg Loan Balance ($) | 381,559 |
| |
| Fixed/Floating | |
| % FRM | 100 |
| % ARM | 0 |
| % Short Arm | 0 |
| % 3/1 or 3/6 | 0 |
| % 5/1 or 5/6 | 0 |
| % 7/1 or 7/6 | 0 |
| % 10/1 or 10/6 | 0 |
| |
| % IO | 47.49 |
| Wtd Avg IO Term (months) | 119 |
| |
| Wtd Avg Current Mortgage Rate (%) | 6.942 |
| < 4.00% | 0 |
| 4.0000% - 4.9999% | 0 |
| 5.0000% - 5.9999% | 3.1 |
| 6.0000% - 6.9999% | 59.49 |
| 7.0000% - 7.9999% | 31.06 |
| 8.0000% - 8.9999% | 5.89 |
| 9.0000% - 9.9999% | 0.37 |
| 10.0000% - 10.9999% | 0.09 |
| 11.000% + | 0 |
| |
| Non-Zero Wtd Avg Margin (%) | 0 |
| Non-Zero Wtd Avg Initial Cap (%) | 0 |
| Non-Zero Wtd Avg Periodic Cap (%) | 0 |
| |
| Lien Composition | |
| % 1st Lien | 100 |
| % 2nd Lien | 0 |
| |
| Non-Zero Wtd Avg FICO | 706 |
| % FICO below 660 (inc. N/A) | 16.72 |
| % FICO below 620 (inc. N/A) | 2.89 |
| |
| Wtd Avg Orig LTV | 74.37 |
| % LTV > 80 | 14.75 |
| % LTV > 90 | 8.12 |
| % LTV > 95 | 4.7 |
| |
| Documentation Level | |
| % Full/Alt Documentation | 22.07 |
| % Stated Documentation | 5.57 |
| % Limited Documentation | 44.73 |
| % No Documentation | 12.94 |
| % No Ratio Documentation | 14.13 |
| % Lite Documentation | 0.55 |
| |
| % Owner Occupied | 84.33 |
| % Investor | 11.84 |
| % Second Home | 3.82 |
| |
| Loan Purpose | |
| % Cashout Refinance | 42.89 |
| % Purchase | 34.04 |
| % Rate Term Refinance | 23.07 |
| |
| State Concentration (Over 5%) | CA(45.39%),NY(7.62%),FL(5.77%) |
| |
| % Prepay Penalty | 25.87 |
| |
| Wtd Avg Std Orig Term (months) | 357 |
| Wtd Avg Std Rem Term (months) | 354 |
| Wtd Average Loan Age (months) | 3 |
