STRUCTURED ADJUSTABLE RATE MORTGAGE
Not Applicable.
Not Applicable.
None.
Not Applicable.
The Registrant knows of no material pending legal proceedings          involving the trust created under the Trust Agreement, the Trustee,          any Master Servicer or the Registrant with respect to the trust other          than routine litigation incidental to the duties of the respective          parties.
None.   PART II
Currently, there is no established secondary market for the          Certificates known to the Registrant. As of December 31, 2005,          the number of holders of each class of offered certificates was 18          based on records provided by DTC.
Not Applicable.
Not Applicable.
Not Applicable.
Not Applicable.
None.
Not Applicable.
Not Applicable                                       -2-   PART III
Not Applicable.
Not Applicable.
Not Applicable.
No reportable transactions have occurred.
Not Applicable.  PART IV
(a) The following documents are filed as part of this report:      (1)  Financial Statements:           Not Applicable.      (2)  Financial Statement Schedules:           Not Applicable.      (3)  Exhibits:           Rule 13a-14(a)/15d-14(a) Certification, filed as 31.1 hereto.           Annual Independent Accountants' Servicing Report, filed as Exhibit 99.1          hereto.           Report of Management as to Compliance with Minimum Servicing Standards,          filed as Exhibit 99.2 hereto.           Annual Statement as to Compliance, filed as Exhibit 99.3 hereto.           Aggregate Statement of Principal and Interest Distributions to          Certificateholders as of December 31, 2005, filed as          Exhibit 99.4 hereto.  (b) Exhibits to this report are listed in Item (15)(a)(3) above.  (c) Not Applicable.                                       -3-    Structured  Adjustable  Rate  Mortgage  Loan Trust Mortgage Pass-Through Certificates Series 2005-10 - -----------------------------------------------------------------------------   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.                                   By:  Aurora Loan Services LLC,                                         as Master Servicer                                          /s/ E. Todd Whittemore                                         --------------------------------------                                Name:  E. Todd Whittemore                               Title:  Executive Vice President                                 Date:  March 29, 2006                                        -4-     SUPPLEMENTAL  INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION 15(D) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES PURSUANT TO SECTION 12 OF THE ACT.  The  registrant  has not sent an annual report or proxy material to its security holders.  The registrant  will not be sending an annual report or proxy material to its security holders subsequent to the filing of this form.                                        -5-                                     EXHIBIT INDEX  Exhibit Description  31.1    Rule 13a-14(a)/15d-14(a) Certification  99.1    Annual Independent Accountants' Servicing Report          Aurora Loan Services LLC, as Servicer         Colonial Savings F.A., as Servicer  99.2    Report of Management as to Compliance with Minimum Servicing Standards          Aurora Loan Services LLC, as Servicer         Colonial Savings F.A., as Servicer  99.3    Annual Statement as to Compliance          Aurora Loan Services LLC, as Master Servicer  99.4    Aggregate Statement of Principal and Interest Distributions to            Certificateholders as of December 31, 2005                                         -6-                                     Exhibit 31.1                      Rule 13a-14(a)/15d-14(a) Certification                                ------------------                                     Certification                  Structured Adjustable Rate Mortgage Loan Trust                Mortgage Pass-Through Certificates Series 2005-10       I, E. Todd  Whittemore,  Executive  Vice  President of Aurora Loan Services LLC, 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  Structured  Adjustable Rate Mortgage Loan Trust Mortgage Pass-Through Certificates Series 2005-10;       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  on my  knowledge,  the  distribution  or  servicing  information required to be provided to the trustee by the master  servicer under the pooling and servicing, or similar, agreement, for inclusion in these reports is included in these reports;       4. I am responsible  for reviewing the  activities  performed by the master servicer under the pooling and servicing,  or similar,  agreement and based upon my knowledge and the annual compliance review required under that agreement, and except as disclosed  in the  reports,  the master  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.       In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties:  Colonial Savings F.A., as Servicer and JPMorgan Chase Bank, N.A., as Trustee.     By: /s/ E. Todd Whittemore       ------------------------      E. Todd Whittemore      Executive Vice President      Aurora Loan Services LLC  Date: March 29, 2006                                         -7-                                     EXHIBIT 99.1                 Annual Independent Accountants' Servicing Report                                 -----------------                            Ernst & Young LLP               Phone:  (720) 931-4000                           Suite 3300                      Fax:    (720) 931-4444                           370 17th Street                 www.ey.com                           Denver, Colorado  80202-5663                          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 Registered Public Accounting Firm  Member Aurora Loan Services LLC  We have examined  management's  assertion,  included in the accompanying  report titled  Report of  Management,  that Aurora Loan  Services  LLC (the  "Company") complied with the  servicing  standards  identified in Exhibit A (the  specified minimum  servicing  standards) to the Report of  Management  as set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage  Bankers (USAP) during the year ended November 30, 2005.  Management is responsible for the Company's  compliance with those specified 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  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 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 the Company's  compliance  with the  specified  minimum servicing standards.  In our  opinion,  management's  assertion  that the  Company  complied  with the aforementioned  specified  minimum  servicing  standards  during  the year ended November 30, 2005, is fairly stated, in all material respects.   /s/ Ernst & Young LLP - -------------------- Ernst & Young LLP February 17, 2006                                        -8-                          PAYNE FALKNER SMITH & JONES, P.C.                        ---------------------------------                           Certified Public Accountants   Report of Independent Auditors on Compliance with Requirements of the Uniform                  Single Attestation Program for Mortgage Bankers   Board of Directors and Stockholder of Colonial Savings, F.A.  We examined  management's  assertion about Colonial Savings,  F.A.  ("Colonial") 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  September 30, 2005,  included in the accompanying management's assertion about Colonial'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 Colonial'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  Colonial's   compliance  with  the  minimum  servicing standards.  In  our  opinion,   management's  assertion  that  Colonial  complied  with  the aforementioned  minimum  servicing  standards  as of  and  for  the  year  ended September 30, 2005, is fairly stated, in all material aspects.  /s/ Payne Falkner Smith & Jones, P.C.     ---------------------------------     Payne Falkner Smith & Jones, P.C.  November 28, 2006                                        -9-                                        EXHIBIT 99.2      Report of Management as to Compliance with Minimum Servicing Standards                                 -----------------  Aurora Loan Services A Lehman Brothers Company                         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 Aurora Loan  Services LLC (the  "Company"),  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 the Company's compliance  with the specified  minimum  servicing  standards as of November 30, 2005 and for the year then  ended.  Based on this  evaluation,  we  assert  that during the year ended November 30, 2005, the Company  complied,  in all material respects, with the specified minimum servicing standards.  As of November 30, 2005 and for the year then ended, the Company had in effect a fidelity bond in the amount of $110,000,000  and an errors and omissions  policy in the amounts of $150,000,000.                                   Very truly yours,                                  /s/ Rick W. Skogg                                 ----------------------------                                 Rick W. Skogg                                 Co-Chief Operating Officer                                  /s/ Roy Browning                                 -----------------------------                                 Roy Browning                                 Chief Financial Officer                                  /s/ William Napier                                 ---------------------------                                 William Napier                                 Controller   February 17, 2006            10350 Park Meadows Drive, Littleton, CO  80124                                        -10-   AURORA LOAN SERVICES A Lehman Brothers Company                                                                      Exhibit A                                                                    ----------                      Specified 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:                 a.   be mathematically accurate;                 b.   be prepared  within  forty-five (45) calendar days after the                     cutoff date. The cutoff  date is the date as of which a bank                     account is reconciled  every  month.  It  may, or  may  not,                     coincide with a prescribed investor reporting date but shall                     be consistent from period to period;                 c.   be reviewed  and  approved by  someone other than the person                     who prepared the reconciliation; and                 d.   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 (2) 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 (2) 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  of  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 (2) 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.  Unissued  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.   Mortgagor 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  adjustable rate mortgage (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          loan documents, on at least an annual basis.       4.  Interest on escrow accounts shall be paid, or credited, to mortgagors          in accordance with the applicable state laws.  VI.  Delinquencies       1.  Records documenting collection efforts  shall be maintained  during the          period a loan is in default and shall be undated 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          (i.e., 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.                   10350 Park Meadows Drive, Littleton, CO  80124                                        -11-    COLONIAL SAVINGS       Management's Assertion Concerning Compliance with USAP Minimum Servicing                                    Standards    November 28, 2005   As of and for the year ended  September  30, 2005,  Colonial  Savings,  F.A. 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,  Colonial Savings, F.A. had in effect a fidelity bond and errors and omissions policy in the amount of $11,000,000.   /s/ Jim E. DuBose - ----------------- Jim E. DuBose President, Chief Executive Officer  /s/ Ben Dempsey - --------------- Ben Dempsey Executive Vice President                                        -12-                                      EXHIBIT 99.3                        Annual Statement as to Compliance                                 -----------------                    Aurora Loan Services LLC, as Master Servicer   AURORA LOAN SERVICES A Lehman Brothers Company  February 23, 2006  Diane Wallace JPMorgan Chase Bank 4 New York Plaza, 6" floor New York, NY 10004  RE:    SARM 2005-10        Annual Officer's Certificate as to Compliance  Dear Ms. Wallace:  The undersigned Officer certifies the following for the period ending on December 31, 2005:  1.     I have  reviewed  the  activities and  performance of the Master Servicer        during  the  preceding  calendar  year  under  the  terms  of  the  Trust        Agreements  and  to  the  best  of  this Officer's knowledge,  the Master        Servicer has fulfilled all of its duties, responsibilities or obligations        under the Agreements;  2.     Based on said  review and  to the best  of this  Officer's knowledge, the        Master Servicer  is not in default of  its obligations under the terms of        the Trust Agreements in any material  respect, or, if there is  a default        in the fulfillment of its  obligations, a description  of each default or        failure  and  the nature  and status  thereof has  been reported  to this        Officer;  3.     To the best  of this Officer's knowledge,  nothing has arose to lead this        Officer to  believe  that its  Servicer has failed to perform  any of its        duties,  responsibilities  and  obligations under its Servicing Agreement        during the preceding calendar year;  4.     To the best of  this Officer's  knowledge, the Servicer is not in default        of its obligations  under  the terms of  its Servicing  Agreement  in any        material  respect, or, if  there is a default  in the fulfillment  of its        obligations, a description  of each default or failure and the nature and        status thereof has been reported to this Officer;  5.     The Master Servicer has received from its Servicer such Servicer's annual        certificate of compliance  and a  copy of  such  Servicer's  annual audit        report,  in  each  case  to  the  extent  required  under the  applicable        Servicing Agreement, or,  if any such  certificate or report has not been        received by the  Master Servicer, the  Master Servicer is  using its best        reasonable efforts to obtain such certificate or report.   Certified By: /s/ R. Peter Karr               -------------------------- Name:         R. Peter Karr Title:        Senior Vice President               Master Servicing Division                                         -13-                                     EXHIBIT 99.4          Aggregate Statement of Principal and Interest Distributions to                    Certificateholders as of December 31, 2005            - -----------------------------------------------------------------------------------------------------------------------------------                                   DISTRIBUTION IN DOLLARS - ----------------------------------------------------------------------------------------------------------------------------------- CUSIP        ORIGINAL PRIN           PAID PRIN          PAID INT          TOTAL PAID        ENDING PRIN BALANCE    CERT POOL FACTOR - ----------------------------------------------------------------------------------------------------------------------------------- 863579SJ8     816,894,000.00         2,842,929.71         153,920.78         2,996,850.49         814,051,070.29       996.51983035 863579SK5      90,766,000.00           315,881.08          17,281.16           333,162.24          90,450,118.92       996.51983033 863579SM1      40,450,000.00                    -           9,718.52             9,718.52          40,450,000.00     1,000.00000000 863579SN9       6,150,000.00                    -           1,477.60             1,477.60           6,150,000.00     1,000.00000000 863579SP4      13,139,000.00                    -           3,310.06             3,310.06          13,139,000.00     1,000.00000000 863579UG1       6,161,000.00                    -           1,552.13             1,552.13           6,161,000.00     1,000.00000000 863579UH9       8,181,000.00                    -           2,347.34             2,347.34           8,181,000.00     1,000.00000000 863579UJ5       2,619,000.00                    -             751.47               751.47           2,619,000.00     1,000.00000000 863579UK2       4,800,000.00                    -           1,377.24             1,377.24           4,800,000.00     1,000.00000000 863579SL3     989,160,279.00                    -          73,380.28            73,380.28         989,160,279.00     1,000.00000000 N/C117172                  -                    -                  -                    -                      -     1,000.00000000 N/C117171                  -                    -                  -                    -                      -     1,000.00000000 N/C117174                  -                    -                  -                    -                      -     1,000.00000000 N/C117173             100.00                    -             892.89               892.89                 100.00     1,000.00000000 N/C117173                  -                    -           5,950.83             5,950.83                      -     1,000.00000000 - -----------------------------------------------------------------------------------------------------------------------------------                                        -14-    -----END PRIVACY-ENHANCED MESSAGE-----