Asset Backed Pass-Through Certificates, Series 2005-HE 1
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 55.  (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 June 27, 2005 was filed with the Securities and Exchange Commission on July 29,  2005 under an incorrect CIK Code and was re-filed on February 21, 2006.  Monthly Remittance Statement to the Certificateholders dated as of July  25, 2005 was filed with the Securities and Exchange Commission on August 1, 2005 under an incorrect CIK Code and was re-filed on February 21, 2006.  Monthly Remittance Statement to the Certificateholders dated as of August  25, 2005 was filed with the Securities and Exchange Commission on September 6, 2005 under an incorrect CIK Code and was re-filed on February 21, 2006.  Monthly Remittance Statement to the Certificateholders dated as of September 26, 2005 was filed with the Securities and Exchange Commission on September 30, 2005 under an incorrect CIK Code and was re-filed on February 21, 2006.  Monthly Remittance Statement to the Certificateholders dated as of October 25, 2005 and filed with the Securities and Exchange Commission on October 27, 2005.  Monthly Remittance Statement to the Certificateholders dated as of November 25, 2005 and filed with the Securities and Exchange Commission on December 2, 2005.  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) Countrywide Home Loans, Inc. b) HomEq Mortgage Corporation   Exhibit 99.2 Report of Independent Registered Public Accounting Firm as of December 31, 2005 a) Countrywide Home Loans, Inc. b) HomEq Mortgage Corporation    (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 homeq2005-he1exhibit99_2.txt 99.2  [Letterhead of KPMG LLP]                Exhibit 99.2b                              Independent Accountants' Report    The Board of Directors HomEq Servicing Corporation   We have examined management's assertion, included in the accompanying Management's Assertion, that HomEq Servicing Corporation (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  February 24, 2006       [Letterhead of HomEq Servicing]    MANAGEMENT'S ASSERTION   As of and for the year ended December 31, 2005, HomEq Servicing Corporation (the "Company") 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 and errors and omissions policy both in the amount of $20 million.  HomEq Servicing Corporation   /s/ Arthur Q. Lyon President - ---------------------------                           February 24, 2006                                                       Date  /s/ Keith G. Becher - ---------------------------                           February 24, 2006 Chief Operating Officer                               Date     EX-99 3 countrywidehe1exhibit99_2.txt 99.2    [Letterhead of KPMG LLP]                Exhibit 99.2a                              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 4 certformhomeqhe1.txt 99.1                                                             Exhibit 99.1b  ANNUAL CERTIFICATION   Re: Pursuant to the Pooling and Servicing Agreement for Asset-Backed Pass Through Certificates Series 2005-HE1 (the "Servicing Agreement"), dated as of May 1, 2005, between Citigroup Mortgage Loan Trust Inc. (the "Depositor"), U.S. Bank National Association (the "Trustee"), CitiMortgage, Inc. (the "Master Servicer") and HomEq Servicing Corporation as servicer (the "Servicer")  I, Arthur Q. Lyon, President of the Servicer, hereby certify to Depositor and the Trustee, the Master Servicer and their officers, directors and affiliates, and with the knowledge and intent that they will rely upon this certification,  that:        A review of the activities of the Servicer during the 2005 calendar year and the Servicer's performance under the Servicing Agreement has been made under my supervision, the Servicer has complied with the Servicing Agreement in all material respects and, to the best of my knowledge, based on such review, the Servicer has materially fulfilled all of its obligations under the Servicing Agreement throughout such calendar year.   Date: March 15, 2006   /s/ Arthur Q. Lyon - --------------------------- President      EX-99 5 certformcountrywidehe1.txt 99.1  Exhibit 99.1a  ANNUAL CERTIFICATION FOR  HOME MORTGAGE PURCHASE PROGRAM  PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT  PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-HE1  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-31 6 sox2005-he1.txt SOX CERT 2005-HE1                                                                  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-HE1  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. and Homeq Servicing Corporation.    Date: March 22, 2006   _______/S/_________ Name:  Tommy Harris  Title:  Master Servicing Division           Senior Vice President       -----END PRIVACY-ENHANCED MESSAGE-----