| DEAL NAME | MSM 2007-8XS |
| Closing Date | 5/31/2007 |
| |
| Initial Collateral Characteristics | |
| Principal Balance ($) | 580,348,598 |
| |
| Sellers (Over 10%) | Morgan Stanley Mortgage Capital Inc.(81.28%) |
| |
| Servicers (Over 10%) | GMAC Mortgage Corporation(89.14%) |
| |
| Number of Loans | 1,749 |
| Avg Loan Balance ($) | 331,817 |
| |
| 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 | 47.05 |
| Wtd Avg IO Term (months) | 118 |
| |
| Wtd Avg Current Mortgage Rate (%) | 6.977 |
| < 4.00% | 0 |
| 4.0000% - 4.9999% | 0 |
| 5.0000% - 5.9999% | 2.37 |
| 6.0000% - 6.9999% | 56.67 |
| 7.0000% - 7.9999% | 32.79 |
| 8.0000% - 8.9999% | 7.44 |
| 9.0000% - 9.9999% | 0.62 |
| 10.0000% - 10.9999% | 0.11 |
| 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 | 701 |
| % FICO below 660 (inc. N/A) | 23.52 |
| % FICO below 620 (inc. N/A) | 4.13 |
| |
| Wtd Avg Orig LTV | 74.34 |
| % LTV > 80 | 7.11 |
| % LTV > 90 | 3.73 |
| % LTV > 95 | 2.52 |
| |
| Documentation Level | |
| % Full/Alt Documentation | 19.69 |
| % Stated Documentation | 10.94 |
| % Limited Documentation | 50.8 |
| % No Documentation | 9.52 |
| % No Ratio Documentation | 9.05 |
| |
| % Owner Occupied | 85.63 |
| % Investor | 11.73 |
| % Second Home | 2.64 |
| |
| Loan Purpose | |
| % Cashout Refinance | 41.72 |
| % Purchase | 34.31 |
| % Rate Term Refinance | 23.96 |
| |
| State Concentration (Over 5%) | CA(40.81%),NY(12.09%),NJ(5.14%),FL(5.11%) |
| |
| % Prepay Penalty | 28.58 |
| |
| Wtd Avg Std Orig Term (months) | 355 |
| Wtd Avg Std Rem Term (months) | 351 |
| Wtd Average Loan Age (months) | 4 |
