| DEAL NAME | MSM 2007-6XS |
| Closing Date | 3/30/2007 |
| |
| Initial Collateral Characteristics | |
| Principal Balance ($) | 546,796,792 |
| |
| Sellers (Over 10%) | Morgan Stanley Mortgage Capital Inc.(67.40%),First National Bank of Nevada(19.33%) |
| |
| Servicers (Over 10%) | GMAC Mortgage Corporation(99.06%) |
| |
| Number of Loans | 1,720 |
| Avg Loan Balance ($) | 317,905 |
| |
| 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 | 46 |
| Wtd Avg IO Term (months) | 117 |
| |
| Wtd Avg Current Mortgage Rate (%) | 7.088 |
| < 4.00% | 0 |
| 4.0000% - 4.9999% | 0 |
| 5.0000% - 5.9999% | 1.14 |
| 6.0000% - 6.9999% | 52.21 |
| 7.0000% - 7.9999% | 36.33 |
| 8.0000% - 8.9999% | 9.36 |
| 9.0000% - 9.9999% | 0.91 |
| 10.0000% - 10.9999% | 0.06 |
| 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 | 702 |
| % FICO below 660 (inc. N/A) | 21.77 |
| % FICO below 620 (inc. N/A) | 3.24 |
| |
| Wtd Avg Orig LTV | 74.22 |
| % LTV > 80 | 6.11 |
| % LTV > 90 | 3.51 |
| % LTV > 95 | 1.92 |
| |
| Documentation Level | |
| % Full/Alt Documentation | 16.8 |
| % Stated Documentation | 5.2 |
| % Limited Documentation | 54.43 |
| % No Documentation | 10.57 |
| % No Ratio Documentation | 13.01 |
| |
| % Owner Occupied | 84.91 |
| % Investor | 11.73 |
| % Second Home | 3.36 |
| |
| Loan Purpose | |
| % Cashout Refinance | 40.03 |
| % Purchase | 38.98 |
| % Rate Term Refinance | 20.99 |
| |
| State Concentration (Over 5%) | CA(40.98%),NY(8.83%),FL(6.30%) |
| |
| % Prepay Penalty | 38.76 |
| |
| Wtd Avg Std Orig Term (months) | 360 |
| Wtd Avg Std Rem Term (months) | 357 |
| Wtd Average Loan Age (months) | 3 |
