Citigroup Mortgage Loan Trust Inc., Series 2005-8
Not Applicable.
Not Applicable.
The registrant knows of no material pending legal proceedings involving the trust created under the Pooling and Servicing Agreement (the Trust), the Trustee, the Servicer, or the registrant.
No matters were submitted to a vote of Certificateholders during the fiscal year covered by this report.  PART II
The Trust does not issue stock.  (a) There is currently no established public trading market for the Registrant's certificates.   (b) As of December 31, 2005 the number of registered holders of all classes of Certificates was 58.   (c) Not Applicable.
Not Applicable.
Not Applicable.
Not Applicable.
Not Applicable.
None.
Not Applicable.
Not Applicable.  PART III
Not Applicable.
Not Applicable.
Not Applicable.
None.
Not Applicable.     PART IV
(a) Exhibits:  (1) All financial statements:  Monthly Remittance Statement to the Certificateholders dated as of November 25, 2005 was filed with the Securities and Exchange Commission on December 2, 2005 and was re-filed due to an ending balance correction for one class on January 5, 2006.  Monthly Remittance Statement to the Certificateholders dated as of December 27, 2005 and filed with the Securities and Exchange Commission on December 28, 2005.  (2) Not applicable.  (3)   Exhibit 31 Section 302 Sarbanes-Oxley Certification  Exhibit 99.1 Servicer's Annual Statement of Compliance as of December 31, 2005 a) CitiMortgage, Inc. b) Countrywide Home Loans, Inc. c) GMAC Mortgage Corporation d) National City Mortgage Company e) PHH Mortage Corporation f) Suntrust Mortgage, Inc. g) Wells Fargo Bank, NA   Exhibit 99.2 Report of Independent Registered Public Accounting Firm as of December 31, 2005 a) CitiMortgage, Inc. b) Countrywide Home Loans, Inc. c) GMAC Mortgage Corporation d) National City Mortgage Company e) PHH Mortage Corporation f) Suntrust Mortgage, Inc. g) Wells Fargo Bank, NA      (b) Not applicable.     (c) Not applicable.                                             SIGNATURE         Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.                                   CITIGROUP MORTGAGE LOAN TRUST INC.                                   BY:  CitiMortgage Inc.,                                      as Master Servicer                                  By: /s/ Tommy Harris                                         -----------------------------------                                         Name:  Tommy Harris                                         Title: Senior Vice President Date: March 29, 2006      EX-99 2 certformcmi8.txt 99.1  Exhibit 99.1a                                                  CitiMortgage, Inc                                                  P.O. Box 790013                                                  M.S. 313                                                  St. Louis, MO 63179-0013   March 03, 2006  Investor Code:  9009 Certificate Number:  N/A   Master Servicing Division - MC: N3B-355 4000 Regent Blvd, 3rd Floor Irving, TX 75063    OFFICER'S CERTIFICATE   RE:  Annual Statement as to Compliance:         CitiMortgage, Inc  Dear Investor:  The activities CitiMortgage, Inc., has performed during the preceding calendar year, under the Governing servicing agreement for the Investor Code above, have been conducted under my supervision.  Based upon a review of those activities and to the best of my knowledge, CitiMortgage, Inc. has fulfilled all of its obligations under this servicing agreement.  CitiMortgage, Inc.   BY: ___/s/___________ Patsy M. Barker, Vice President CitiMortgage, Inc.   BY:  ____/s/_________ Timothy Klingert, Vice President CitiMortgage, Inc.    A member of citigroup     EX-99 3 certformcountrywide8.txt 99.1                          Exhibit 99.1b  ANNUAL CERTIFICATION FOR HOME MORTGAGE PURCHASE PROGRAM PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT  PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-8  In accordance with the above referenced Agreement, I, the undersigned, hereby certify as to each Mortgage Loan being serviced by the below named institution that as of the preceding certification date:  1. I am an "Officer" as defined in the above referenced Agreement, and am empowered and authorized to issue this Annual Certification.  2. All taxes, ground rents and assessments for the Mortgages covered herein have been paid.  3. All insurance premiums for flood or other casualty insurance; and FHA premiums or Private Mortgage Insurance premiums on conventional loans have been paid, and all policies as required by the Agreement are in full force. Servicer is in full compliance with the Private Mortgage Insurance automatic termination provisions of the Homeowners Protection Act of 1998, the American Homeownership and Economic Opportunity Act of 2000, and Fannie Mae servicing guidelines where applicable.  4. Inspections have been made monthly on all delinquent, foreclosed or otherwise vacant properties, and any other property the Servicer has reason to believe requires an inspection.  5. Analysis has been made to ensure sufficient moneys are being collected in escrow for the current year.  6. All information returns have been provided to the Internal Revenue Service as required on activity relating to the relevant Mortgage Loans.  7. If Servicer originates mortgage loans for delivery to investor under the referenced Agreement or services mortgage loans under the referenced Agreement that are registered with MERS, the Servicer has remained a member of MERS in good standing during this Annual Certification period.  8. There is no outstanding or threatened litigation regarding predatory lending practices pertaining to any loans serviced under this Program.   I further certify:  A.      To the best of my knowledge and upon reasonable investigation, the servicing of the Mortgage Loans during the year preceding the last certification date of the Agreement has been conducted in compliance with the Agreement except for such exceptions as I am setting forth below.  EXCEPTIONS (if any):     B.      A review of activities with respect to performances under the Agreement during the year preceding the last certification date of the Agreement has been made under my supervision and to the best of my knowledge, based on such review, no default exists as of the above date in the fulfillment of any obligations under the Agreement other than the events of default, if any, which I am listing below with the nature and status thereof.  EVENTS OF DEFAULT (if any):     NAME OF SERVICING INSTITUTION:   COUNTRYWIDE HOME LOANS, INC.  NAME OF AUTHORIZED OFFICER:             ______Joseph M. Candelano________  SIGNATURE OF SAME OFFICER:              ________/s/__________________________  TITLE OF SAME OFFICER:                  _______First Vice President___________  DATE OF SIGNATURE:                      ________1-11-06______________________   CERTIFICATION COVERS PERIOD             FROM: January 01, 2005                                         TO:     January 01, 2006 Serv #: 529      EX-99 4 certformgmac8.txt 99.1                          Exhibit 99.1c  ANNUAL CERTIFICATION FOR HOME MORTGAGE PURCHASE PROGRAM PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT  PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-8  In accordance with the above referenced Agreement, I, the undersigned, hereby certify as to each Mortgage Loan being serviced by the below named institution that as of the preceding Anniversary Date of the Agreement:  1. I am an "Officer" as defined in the above referenced Agreement, and am empowered and authorized to issue this Annual Certification.  2. All taxes, ground rents and assessments for the Mortgages covered herein have been paid.  3. All insurance premiums for flood or other casualty insurance; and FHA premiums or Private Mortgage Insurance premiums on conventional loans have been paid, and all policies as required by the Agreement are in full force. Servicer is in full compliance with the Private Mortgage Insurance automatic termination provisions of the Homeowners Protection Act of 1998, the American Homeownership and Economic Opportunity Act of 2000, and Fannie Mae servicing guidelines where applicable.  4. Inspections have been made monthly on all delinquent, foreclosed or otherwise vacant properties, and any other property the Servicer has reason to believe requires an inspection.  5. Analysis has been made to ensure sufficient moneys are being collected in escrow for the current year.  6. All information returns have been provided to the Internal Revenue Service as required on activity relating to the relevant Mortgage Loans.  7. If Servicer originates mortgage loans for delivery to investor under the referenced Agreement or services mortgage loans under the referenced Agreement that are registered with MERS, the Servicer has remained a member of MERS in good standing during this Annual Certification period.  8. There is no outstanding or threatened litigation regarding predatory lending practices pertaining to any loans serviced under this Program.  I further certify:  A.      To the best of my knowledge and upon reasonable investigation, the servicing of the Mortgage Loans during the year preceding the last certification date of the Agreement has been conducted in compliance with the Agreement except for such exceptions as I am setting forth below.  EXCEPTIONS (if any):     B.      A review of activities with respect to performances under the Agreement  during the year preceding the last certification date of the Agreement has been made under my supervision and to the best of my knowledge, based on such review, no default exists as of the above date in the fulfillment of any obligations under the Agreement other than the events of default, if any, which I am listing below with the nature and status thereof.  EVENTS OF DEFAULT (if any):     NAME OF SERVICING INSTITUTION:   GMAC MORTGAGE CORPORATION  NAME OF AUTHORIZED OFFICER:             ______Michael Kacergis________  SIGNATURE OF SAME OFFICER:              ________/s/__________________________  TITLE OF SAME OFFICER:                  Manager / Operations Risk Management_  DATE OF SIGNATURE:                      ________03-15-06___________________   CERTIFICATION COVERS PERIOD             FROM: January 01, 2005                                         TO:     January 01, 2006 Serv #: 174      EX-99 5 certformnationalcity8.txt 99.1          Exhibit 99.1d  ANNUAL CERTIFICATION FOR HOME MORTGAGE PURCHASE PROGRAM PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT  PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-8  In accordance with the above referenced Agreement, I, the undersigned, hereby certify as to each Mortgage Loan being serviced by the below named institution that as of the preceding Anniversary Date of the Agreement:  1. I am an "Officer" as defined in the above referenced Agreement, and am empowered and authorized to issue this Annual Certification.  2. All taxes, ground rents and assessments for the Mortgages covered herein have been paid.  3. All insurance premiums for flood or other casualty insurance; and FHA premiums or Private Mortgage Insurance premiums on conventional loans have been paid, and all policies as required by the Agreement are in full force. Servicer is in full compliance with the Private Mortgage Insurance automatic termination provisions of the Homeowners Protection Act of 1998, the American Homeownership and Economic Opportunity Act of 2000, and Fannie Mae servicing guidelines where applicable.  4. Inspections have been made monthly on all delinquent, foreclosed or otherwise vacant properties, and any other property the Servicer has reason to believe requires an inspection.  5. Analysis has been made to ensure sufficient moneys are being collected in escrow for the current year.  6. All information returns have been provided to the Internal Revenue Service as required on activity relating to the relevant Mortgage Loans.  7. If Servicer originates mortgage loans for delivery to investor under the referenced Agreement or services mortgage loans under the referenced Agreement that are registered with MERS, the Servicer has remained a member of MERS in good standing during this Annual Certification period.  8. There is no outstanding or threatened litigation regarding predatory lending practices pertaining to any loans serviced under this Program.   I further certify:  A.      To the best of my knowledge and upon reasonable investigation, the servicing of the Mortgage Loans during the year preceding the last certification date of the Agreement has been conducted in compliance with the Agreement except for such exceptions as I am setting forth below.  EXCEPTIONS (if any):    B.      A review of activities with respect to performances under the Agreement during the year preceding the last certification date of the Agreement has been made under my supervision and to the best of my knowledge, based on such review, no default exists as of the above date in the fulfillment of any obligations under the Agreement other than the events of default, if any, which I am listing below with the nature and status thereof.  EVENTS OF DEFAULT (if any):    NAME OF SERVICING INSTITUTION:   NATIONAL CITY MORTGAGE COMPANY  NAME OF AUTHORIZED OFFICER:             ______T. Jackson Case, Jr.__  SIGNATURE OF SAME OFFICER:              ________/s/__________________________  TITLE OF SAME OFFICER:                  __Executive V P  DATE OF SIGNATURE:                      ________March 2, 2006________________   CERTIFICATION COVERS PERIOD             FROM: January 01, 2005                                         TO:     January 01, 2006 Serv #: 2071    EX-99 6 certformphh8.txt 99.1                                  Exhibit 99.1e  ANNUAL CERTIFICATION FOR HOME MORTGAGE PURCHASE PROGRAM PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT  PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-8  In accordance with the above referenced Agreement, I, the undersigned, hereby certify as to each Mortgage Loan being serviced by the below named institution that as of the preceding certification date:  1. I am an "Officer" as defined in the above referenced Agreement, and am empowered and authorized to issue this Annual Certification.  2. All taxes, ground rents and assessments for the Mortgages covered herein have been paid.  3. All insurance premiums for flood or other casualty insurance; and FHA premiums or Private Mortgage Insurance premiums on conventional loans have been paid, and all policies as required by the Agreement are in full force. Servicer is in full compliance with the Private Mortgage Insurance automatic termination provisions of the Homeowners Protection Act of 1998, the American Homeownership and Economic Opportunity Act of 2000, and Fannie Mae servicing guidelines where applicable.  4. Inspections have been made monthly on all delinquent, foreclosed or otherwise vacant properties, and any other property the Servicer has reason to believe requires an inspection.  5. Analysis has been made to ensure sufficient moneys are being collected in escrow for the current year.  6. All information returns have been provided to the Internal Revenue Service as required on activity relating to the relevant Mortgage Loans.  7. If Servicer originates mortgage loans for delivery to investor under the referenced Agreement or services mortgage loans under the referenced Agreement that are registered with MERS, the Servicer has remained a member of MERS in good standing during this Annual Certification period.  8. There is no outstanding or threatened litigation regarding predatory lending practices pertaining to any loans serviced under this Program.  I further certify:  A.      To the best of my knowledge and upon reasonable investigation, the servicing of the Mortgage Loans during the year preceding the last certification date of the Agreement has been conducted in compliance with the Agreement except for such exceptions as I am setting forth below.  EXCEPTIONS (if any):    B.      A review of activities with respect to performances under the Agreement during the year preceding the last certification date of the Agreement has been made under my supervision and to the best of my knowledge, based on such review, no default exists as of the above date in the fulfillment  of any obligations under the Agreement other than the events of default, if any, which I am listing below with the nature and status thereof.  EVENTS OF DEFAULT (if any):  the Company did not comply with the requirement to prepare custodial bank account reconciliations within 45 calendar days after the cutoff date and the requirement to resolve reconciling items within 90 calendar days of their original identification as specified by their minimum servicing     NAME OF SERVICING INSTITUTION:   PHH MORTGAGE CORPORATION (FKA CENDANT)  NAME OF AUTHORIZED OFFICER:             __Jack Webb________________________  SIGNATURE OF SAME OFFICER:              _____\s\_____________________________  TITLE OF SAME OFFICER:                  ___Assistant Vice President_________  DATE OF SIGNATURE:                      ____3/13/06__________________________   CERTIFICATION COVERS PERIOD             FROM: January 01, 2005 TO:     January 01, 2006 Serv #: 2581      EX-99 7 certformsuntrust8.txt 99.1                  Exhibit 99.1f  ANNUAL CERTIFICATION FOR HOME MORTGAGE PURCHASE PROGRAM PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT  PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-8  In accordance with the above referenced Agreement, I, the undersigned, hereby certify as to each Mortgage Loan being serviced by the below named institution that as of the preceding certification date:  1. I am an "Officer" as defined in the above referenced Agreement, and am empowered and authorized to issue this Annual Certification.  2. All taxes, ground rents and assessments for the Mortgages covered herein have been paid.  3. All insurance premiums for flood or other casualty insurance; and FHA premiums or Private Mortgage Insurance premiums on conventional loans have been paid, and all policies as required by the Agreement are in full force. Servicer is in full compliance with the Private Mortgage Insurance automatic termination provisions of the Homeowners Protection Act of 1998, the American Homeownership and Economic Opportunity Act of 2000, and Fannie Mae servicing guidelines where applicable.  4. Inspections have been made monthly on all delinquent, foreclosed or otherwise vacant properties, and any other property the Servicer has reason to believe requires an inspection.  5. Analysis has been made to ensure sufficient moneys are being collected in escrow for the current year.  6. All information returns have been provided to the Internal Revenue Service as required on activity relating to the relevant Mortgage Loans.  7. If Servicer originates mortgage loans for delivery to investor under the referenced Agreement or services mortgage loans under the referenced Agreement that are registered with MERS, the Servicer has remained a member of MERS in good standing during this Annual Certification period.  8. There is no outstanding or threatened litigation regarding predatory lending  practices pertaining to any loans serviced under this Program.   I further certify:  A.      To the best of my knowledge and upon reasonable investigation, the servicing of the Mortgage Loans during the year preceding the last certification date of the Agreement has been conducted in compliance with the Agreement except for such exceptions as I am setting forth below.  EXCEPTIONS (if any):     B.      A review of activities with respect to performances under the Agreement during the year preceding the last certification date of the Agreement has been made under my supervision and to the best of my knowledge, based on such review, no default exists as of the above date in the fulfillment of any obligations under the Agreement other than the events of default, if any, which I am listing below with the nature and status thereof.  EVENTS OF DEFAULT (if any):     NAME OF SERVICING INSTITUTION:  SUNTRUST MORTGAGE INC.(FKA CRESTSTAR MTG.CORP)  NAME OF AUTHORIZED OFFICER:             ______Annette Holman-Foreman________  SIGNATURE OF SAME OFFICER:              ________/s/__________________________  TITLE OF SAME OFFICER:                  __________Vice President___________  DATE OF SIGNATURE:                      _________February 2, 2006___________   CERTIFICATION COVERS PERIOD             FROM: January 01, 2005                                         TO:     January 01, 2006 Serv #: 2687      EX-99 8 certformwellsfargo8.txt 99.1          Exhibit 99.1g  ANNUAL CERTIFICATION FOR HOME MORTGAGE PURCHASE PROGRAM PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT  PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-8  In accordance with the above referenced Agreement, I, the undersigned, hereby certify as to each Mortgage Loan being serviced by the below named institution that as of the preceding certification date:  1. I am an "Officer" as defined in the above referenced Agreement, and am empowered and authorized to issue this Annual Certification.  2. All taxes, ground rents and assessments for the Mortgages covered herein have been paid.  3. All insurance premiums for flood or other casualty insurance; and FHA premiums or Private Mortgage Insurance premiums on conventional loans have been paid, and all policies as required by the Agreement are in full force. Servicer is in full compliance with the Private Mortgage Insurance automatic termination provisions of the Homeowners Protection Act of 1998, the American Homeownership and Economic Opportunity Act of 2000, and Fannie Mae servicing guidelines where applicable.  4. Inspections have been made monthly on all delinquent, foreclosed or otherwise vacant properties, and any other property the Servicer has reason to believe requires an inspection.  5. Analysis has been made to ensure sufficient moneys are being collected in escrow for the current year.  6. All information returns have been provided to the Internal Revenue Service as required on activity relating to the relevant Mortgage Loans.  7. If Servicer originates mortgage loans for delivery to investor under the referenced Agreement or services mortgage loans under the referenced Agreement that are registered with MERS, the Servicer has remained a member of MERS in good standing during this Annual Certification period.  8. There is no outstanding or threatened litigation regarding predatory lending practices pertaining to any loans serviced under this Program.  I further certify:  A.      To the best of my knowledge and upon reasonable investigation, the servicing of the Mortgage Loans during the year preceding the last certification date of the Agreement has been conducted in compliance with the Agreement except for such exceptions as I am setting forth below.  EXCEPTIONS (if any):     B.      A review of activities with respect to performances under the Agreement during the year preceding the last certification date of the Agreement has been made under my supervision and to the best of my knowledge, based on such review, no default exists as of the above date in the fulfillment of any obligations under the Agreement other than the events of default, if any, which I am listing below with the nature and status thereof.  EVENTS OF DEFAULT (if any):   NAME OF SERVICING INSTITUTION:   WELLS FARGO BANK, NA  NAME OF AUTHORIZED OFFICER:             ______Connie L. Dunn________  SIGNATURE OF SAME OFFICER:              ________/s/__________________________  TITLE OF SAME OFFICER:                  __Vice President Loan Documentation_  DATE OF SIGNATURE:                      ________1-16-06________________________   CERTIFICATION COVERS PERIOD             FROM: January 01, 2005                                         TO:     January 01, 2006 Serv #: 337      EX-99 9 cmi2005-8exhibit99_2.txt 99.2  [Letterhead of KPMG LLP]                Exhibit 99.2a                              Independent Accountants' Report   The Boards of Directors CitiMortgage, Inc. and CitiMortgage Asset Management, Inc.:  We have examined management's assertion, included in the accompanying management assertion, that CitiMortgage, Inc. and subsidiaries and CitiMortgage Asset Management, Inc. (collectively referred to as the Company), complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers as of and for the year ended December 31, 2005. Management is responsible for the Company's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.  Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the minimum servicing standards specified above and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the minimum servicing standards.  In our opinion, management's assertion that the Company complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects.                                  /s/ KPMG LLP  St. Louis, Missouri March 3, 2006     [Letterhead of CitiMortgage, Inc.]    Management Assertion   As of and for the year ended December 31, 2005, CitiMortgage, Inc. and subsidiaries and CitiMortgage Asset Management, Inc. (collectively referred to as the Company), has complied, in all material respects, with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers. As of and for this same period, the Company had in effect a fidelity bond policy of $300 million and errors and omissions policy in the amount of $50 million.   Very truly yours,    /s/ Bill Beckmann - --------------------------- President & Chief Operating Officer of CitiMortgage, Inc.   /s/ Herb Gover - --------------------------- Executive Vice President, North America Consumer Assets Operations   /s/ Paul Ince - --------------------------- Chief Financial Officer of CitiMortgage, Inc.    March 2, 2006      EX-99 10 countrywide05-8exhibit99_2.txt 99.2    [Letterhead of KPMG LLP]                Exhibit 99.2b                              Independent Accountants' Report   The Boards of Directors Countrywide Financial Corporation:  We have examined management's assertion, included in the accompanying Management Assertion, that Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, (collectively, the "Company") complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) as of and for the year ended December 31, 2005. Management is responsible for the Company's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.  Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the minimum servicing standards specified above and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the minimum servicing standards.  In our opinion, management's assertion that Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects.                                  /s/ KPMG LLP   March 3, 2006                                    [Letterhead of Countrywide Home Loans]                                   Management Assertion   March 3, 2006   As of and for the year ended December 31, 2005, Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, (collectively, the "Company") have complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation for Mortgage Bankers. As of and for this same period, the Company had in effect a mortgage bankers' (fidelity) bond in the amount of $200 million and an errors and omissions policy in the amount of $100 million and $130 million for the period January 1, 2005 to August 1, 2005 and for the period from August 1, 2005 to December 31, 2005, respectively.      /s/ Steve Bailey - --------------------------- Senior Managing Director and Chief Executive Officer, Loan Administration   /s/ Kevin Meyers - --------------------------- Managing Director and Chief Financial Officer, Loan Administration        EX-99 11 gmac2005-8exhibit99_2.txt 99.2  [Letterhead of PRICEWATERHOUSECOOPERS]                  Exhibit 99.2c                             Report of Independent Accountants   To the Board of Directors and Stockholder of GMAC Mortgage Corporation:   We have examined management's assertion about GMAC Mortgage Corporation and its subsidiaries (the "Company") compliance with the minimum servicing standards identified in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and for the year ended December 31, 2005 included in the accompanying management assertion (See Exhibit I). Management is responsible for theCompany's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.  Our examination was performed in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the  minimum servicing standards.  In our opinion, management's assertion that the Company complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects.   /s/ PRICEWATERHOUSE COOPERS LLP   March 21, 2006     [Letterhead of GMAC Mortgage]                                                                Exhibit 1                             Management's Assertion Concerning Compliance                             with USAP Minimum Servicing Standards   March 21, 2006   As of and for the year ended December 31, 2005, GMAC Mortgage Corporation and its subsidiaries (the "Company") have complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").  As of and for this same period, the Company had in effect a fidelity bond and errors and omissions policy in the amounts of $350,000,000 and $100,000,000, respectively.    /s/ Jim Hillsman - --------------------------- Chief Operating Officer GMAC Residential Holding Corp   /s/ Dave Bricker - --------------------------- Chief Financial Officer GMAC Residential Holding Corp   /s/ Tony Renzi - --------------------------- Executive Vice President, National Servicing Administration GMAC Residential Holding Corp      EX-99 12 nationalcity05-8exhibit99_2.txt 99.2    [Letterhead of ERNST & YOUNG]           Exhibit 99.2d                            Report on Management's Assertion on Compliance with the Specified Minimum Servicing Standards Set Forth in the Uniform Single Attestation Program for Mortgage Bankers                            Report of Independent Accountants   Board of Directors National City Mortgage Co.  We have examined management's assertion, included in the accompanying report titled Report of Management, that National City Mortgage Co. (NCM) complied with the minimum servicing standards identified in Exhibit A to the Report of Management (the specific minimum servicing standards) as set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers during the year ended December 31, 2005. Management is responsible for NCM's compliance with the specified minimum servicing standards. Our responsibility is to express an opinion on management's assertions about NCM's compliance based on our examination.  Our examination was made in accordance with attestation standards established by the Public Company Accounting Oversight Board (United States) and, accordingly, included examining, on a test basis, evidence about NCM's compliance with the specified minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on NCM's compliance with specified minimum servicing standards.  In our opinion, management's assertion that NCM complied with the aforementioned specified minimum servicing standards during the year ended December 31, 2005, is fairly stated, in all material respects.                                            /s/ Ernst & Young LLP   March 1, 2006          [Letterhead of National City Mortgage Co.]          Management's Assertion on Compliance with the Specified Minimum         Servicing Standards Set Forth in the Uniform Single Attestation         Program for Mortgage Bankers                           Report of Management   We, as members of management of National City Mortgage Co. (NCM) are responsible for complying with the servicing standards identified in the attached Exhibit A (the specified minimum servicing standards) as set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP). We are also responsible for establishing and maintaining effective internal control over compliance with these specified minimum servicing standards. We have performed an evaluation of NCM's compliance with the specified minimum servicing standards as of December 31, 2005 and for the year then ended. Based on this evaluation, we assert that during the year ended December 31, 2005, NCM complied, in all material respects, with the specified minimum servicing standards set forth in the USAP.  As of December 31, 2005 and for the year then ended, NCM had in effect a fidelity bond policy in the amount of $200 million and an errors and omissions policy in the amount of $250 million.    /s/ Steven M. Scheid - --------------------------- Senior Vice President   /s/ T. Jackson Case, Jr. - --------------------------- Executive Vice President   March 1, 2006     EX-99 13 phh2005-8exhibit99_2.txt 99.2                                                           Exhibit 99.2e [Letterhead of Deloitte & Touche LLP]   REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM  To PHH Mortgage Corporation:  We have examined PHH Mortgage Corporation's (the "Company") compliance with its established minimum servicing standards described in the accompanying Management's Assertion, dated February 28, 2006, as of and for the year ended December 31, 2005. Management is responsible for compliance with those minimum servicing standards. Our responsibility is to express an opinion on the Company's compliance based on our examination.  Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants as adopted by the Public Company Accounting Oversight Board and, accordingly, included examining, on a test basis, evidence about the Company's compliance with its minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with its minimum servicing standards.  Our examination disclosed the following instance of material noncompliance with the reconciliation of custodial bank accounts applicable to the Company during the year ended December 31, 2005. The Company did not comply with the requirement to prepare custodial bank account reconciliations within 45 calendar days after the cutoff date and the requirement to resolve reconciling items within 90 calendar days of their original identification as specified by their minimum servicing standards.  In our opinion, except for the material noncompliance described in the preceding paragraph, the Company complied, in all material respects, with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005, as set forth in Appendix I.  /s/ Deloitte & Touche LLP  Princeton, NJ  February 28, 2006    APPENDIX I  PHH MORTGAGE CORPORTATION - MINIMUM SERVICING STANDARDS  I. CUSTODIAL BANK ACCOUNTS  1. Reconciliations shall be prepared on a monthly basis for all custodial bank accounts and related bank clearing accounts. These reconciliations shall: * Be mathematically accurate; * Be prepared within forty-five (45) calendar days after the cutoff date; * Be reviewed and approved by someone other than the person who prepared the Reconciliation; and * Document explanations for reconciling items. These reconciling items shall be resolved within ninety (90) calendar days of their original identification.  2. Funds of the servicing entity shall be advanced in cases where there is an overdraft in an investor's or a mortgagor's account.  3. Each custodial account shall be maintained at a federally insured depository institution in trust for the applicable investor.  4. Escrow funds held in trust for a mortgagor shall be returned to the mortgagor within thirty (30) calendar days of payoff of the mortgage loan.  II. MORTGAGE PAYMENTS  1. Mortgage payments shall be deposited into the custodial bank accounts and related bank clearing accounts within two business days of receipt.  2. Mortgage payments made in accordance with the mortgagor's loan documents shall be posted to the applicable mortgagor records within two business days of receipt.  3. Mortgage payments shall be allocated to principal, interest, insurance, taxes or other escrow items in accordance with the mortgagor's loan documents.  4. Mortgage payments identified as loan payoffs shall be allocated in accordance with the mortgagor's loan documents.  III. DISBURSEMENTS  1. Disbursements made via wire transfer on behalf on a mortgagor or investor shall be made only by authorized personnel.  2. Disbursements made on behalf of a mortgagor or investor shall be posted within two business days to the mortgagor's or investor's records maintained by the servicing entity.  3. Tax and insurance payments shall be made on or before the penalty or insurance policy expiration dates, as indicated on tax bills and insurance premium notices, respectively, provided that such support has been received by the servicing entity at least thirty (30) calendar days prior to these dates.  4. Any late payment penalties paid in conjunction with the payment of any tax bill or insurance premium notice shall be paid from the servicing entity's funds and not charged to the mortgagor, unless the late payment was due to the mortgagor's error or omission.  5. Amounts remitted to investors per the servicer's investor reports shall agree with cancelled checks, or other form of payment, or custodial bank statements.  6. Unused checks shall be safeguarded so as to prevent unauthorized access.  IV. INVESTOR ACCOUNTING AND REPORTING  1. The servicing entity's investor reports shall agree with, or reconcile to, investors' records on a monthly basis as to the total unpaid principal balance and number of loans serviced by the servicing entity.  V. MORTGAGE LOAN ACCOUNTING  1. The servicing entity's mortgage loan records shall agree with, or reconcile to, the records of mortgagors with respect to the unpaid principal balance on a  monthly basis.  2. Adjustments on ARM loans shall be computed based on the related mortgage note and any ARM rider.  3.Escrow accounts shall be analyzed, in accordance with the mortgagor's loans documents, on at least at annual basis.  4. Interest on escrow accounts shall be paid, or credited, to mortgagors in accordance with applicable state laws. (A compilation of state laws relating to the payment of interest on escrow accounts may be obtained through the MBA's FAX ON DEMAND service. For more information, contact MBA.)  VI. DELINQUENCIES  1. Records documenting collection efforts shall be maintained during the period a loan is in default and shall be updated at least monthly. Such records shall describe the entity's activities in monitoring delinquent loans including, for example, phone calls, letters and mortgage payment rescheduling plans in cases where the delinquency is deemed temporary (e.g., illness or unemployment).  VII. INSURANCE POLICIES  1. A fidelity bond and errors and omissions policy shall be in effect on the servicing entity throughout the reporting period in the amount of coverage represented to investors in management's assertion.          [Letterhead of PHH Mortgage]    February 28, 2006  As of and for the year ended December 31, 2005, PHH Mortgage Corporation (the "Company") has complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers, except for as discussed below.  The Company completed all custodial bank account reconciliations within 60 days of the cutoff date, however did not complete all reconciliations within 45 days of the cutoff as specified by the minimum servicing standards. As such, the Company has determined that it was materially non-compliant with the requirement to prepare custodial bank account reconciliations within 45 calendar days after the cutoff date.  During the year ended December 31, 2005, the Company determined it was materially non-compliant with the requirement to resolve reconciling items resulting from custodial bank account reconciliations within 90 calendar days as specified by the minimum servicing standards.  As of and for this same period, the Company had in effect a fidelity bond and errors and omissions policy in the amount of $160 million and $20 million, respectively.   PHH Mortgage Corporation   /s/ Terence W. Edwards - --------------------------- President & Chief Executive Officer   /s/ Mark Danahy - --------------------------- Senior Vice President and Chief Financial Officer   /s/ Martin L. Foster - --------------------------- Senior Vice President - Loan Servicing      EX-99 14 suntrust2005-8exhibit99_2.txt 99.2   [Letterhead of PRICEWATERHOUSECOOPERS LLP]   Exhibit 99.2f                    Report of Independent Accountants  The Board of Directors and Stockholders Of SunTrust Mortgage, Inc. and Subsidiaries:  We have examined management's assertion about SunTrust Mortgage, Inc. and its subsidiaries' (the "Company") compliance with the minimum servicing standards identified in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and for the year ended December 31, 2005 included in the accompanying management assertion (see Exhibit 1). Management is responsible for the Company's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.  Our examination was made in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the minimum servicing standards.  In our opinion, management's assertion that the Company complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects.   /s/ PricewaterhouseCoopers LLP   February 21, 2006     [Letterhead of SunTrust Mortgage]                                                      Exhibit 1    Management's Assertion Concerning Compliance         With USAP Minimum Servicing Standards   February 21, 2006   As of and for the year ended December 31, 2005, SunTrust Mortgage, Inc. and its subsidiaries (the "Company") have complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").  As of and for this same period, the Company had in effect a SunTrust Banks, Inc. and subsidiaries fidelity bond and errors and omissions policy in the amount of $150 million.     /s/  Sterling Edmunds, Jr. - --------------------------- Division President, Capital Markets, Finance, & Administration Chairman, Chief Executive Officer   /s/ Marvin L. Watts - --------------------------- Executive Vice President, Executive Servicing & Operations Manager   /s/ John R. Purcell, Jr. - --------------------------- Executive Vice President, Servicing & Post Closing Loan Servicing Manager     EX-99 15 wellsfargo2005-8exhibit99_2.txt 99.2  [Letterhead of KPMG LLP]                        Exhibit 99.2g                              Independent Accountants' Report   The Board of Directors Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.:  We have examined management's assertion, included in the accompanying Assertion of Management of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. (the Company), that the Company complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) as of and for the year ended December 31, 2005. Management is responsible for the Company's compliance with those minimum  servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.  Our examination was conducted in accordance with attestation standards Established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the minimum servicing standards specified above and performing such other procedures, as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the minimum servicing standards.  In our opinion, management's assertion that the Company complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects.                                 /s/ KPMG LLP  February 21, 2006     [Letterhead of Wells Fargo Home Mortgage]   Assertion of Management of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.   As of and for the year ended December 31, 2005, Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. (the Company) has complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers.  As of and for this same period, the Company had in effect a fidelity bond along with an errors and omissions policy in the amounts of $100 million and $20 million, respectively.     /s/ Michael J. Heid                             February 21, 2006 - --------------------------- Division President, Capital Markets, Finance, & Administration Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.   /s/ Franklin R. Codel                           February 21, 2006 - --------------------------- Executive Vice President, Finance and Corporate Real Estate Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.   /s/ Mary Coffin                                 February 21, 2006 - --------------------------- Executive Vice President, Servicing & Post Closing Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.   /s/ Cara K. Heiden - --------------------------- Division President, Nat'l Consumer & Institutional Lending Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.      EX-31 16 sox2005-8.txt SOX2005-8                                                                    Exhibit 31   CERTIFICATION PURSUANT TO SECTION 302(A) OF THE SARBANES-OXLEY ACT  I, Tommy Harris, Senior Vice President of CitiMortgage Inc., certify that:   1.      I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report, of Citigroup Mortgage Loan Trust, Inc., Series 2005-8  2.      Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;  3.      Based upon my knowledge, the servicing information required to be provided to the trustee by the servicer under the pooling and servicing, or similar, agreement is included in these reports;  4.      I am responsible for reviewing the activities performed by the servicer under the pooling and servicing, or similar, agreement and based upon my knowledge and the annual compliance review required under the pooling and servicing agreements, and except as disclosed in the reports, the servicer has fulfilled its obligations under that agreement; and  5.      The reports disclose all significant deficiencies relating to the servicer's compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set forth in the pooling and servicing, or similar, agreement that is included in these reports;  6.      In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties:  Countrywide Home Loans, Inc., Wells Fargo Bank, N.A., Suntrust Mortgage, Inc., National City Mortgage Co., GMAC Mortgage Corporation, PHH Mortgage Corporation and affiliated party CitiMortgage, Inc.    Date: March 22, 2006   _______/S/_________ Name:  Tommy Harris  Title:  Master Servicing Division           Senior Vice President       -----END PRIVACY-ENHANCED MESSAGE-----