PHHMC MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-6
Not applicable.
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The registrant knows of no material pending legal proceedings involving      the trust created under the Pooling and Servicing Agreement (the Trust),      the Trustee, the Master Servicer or the registrant with respect to the      Trust.
There were no matters submitted to a Vote of the Security Holders.                                    PART II
(a)  There is no established public trading market for the certificates.  (b)  There are approximately 9 holders of record as of the end of the      reporting year.  (c)  Not applicable.
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None.                                      PART III
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(a)  Exhibits:           (1)  Officer's Annual Statement as to Compliance               PHH Mortgage Corporation as Master Servicer           (2)  Independent Auditor's Report               PHH Mortgage Corporation as Master Servicer           (3)  Aggregate Statement of Principal and Interest Distributions               to Certificate Holders           (4)  Sarbanes-Oxley Certification  (b)  The exhibits required to be filed by Registrant pursuant to Item 601 of      Regulation S-K are listed above  (c)  Not applicable.                                       SIGNATURES  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.                               PHH Mortgage Capital LLC       -----------------------------------------------------------------  By /s/ Terence W. Edwards    -----------------------------------------        Terence W. Edwards        President and Chief Executive Officer        PHH Mortgage Corporation  Date   March 29, 2006     ----------------------------------------        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   (a)(1) No annual report is provided to security holders; and      (2) No proxy statement, form of proxy or other proxy soliciting         material has been sent to any security holders with respect to any         annual or other meeting of security holders.    EX-1 2 ex01.txt EXHIBIT 1     March 15, 2006   Ms. Kristen Driscoll Citibank, N.A. 388 Greenwich Street 14th Floor New York, NY 10013   RE:   Officer's Certificate    Statement as to Compliance       PHH Mortgage Capital LLC, Series:  PHHMC 2005-6  Dear Ms. Driscoll:  The undersigned officer certifies the following for PHH Mortgage Corporation for the 2005 calendar year.    To the best of our knowledge:   A review of the activities of the Master Servicer during the preceding year and of performance under the Pooling and Servicing Agreement dated as of October 1, 2005 has been made under such officers' supervision.  To the best of such officers' knowledge, based on such review, the Master Servicer has fulfilled all of its obligations under the Pooling and Servicing Agreement dated October 1, 2005 throughout such year.     Certified by:  /s/ Marc J. Hinkle - ------------------------ Officer - Marc J. Hinkle Vice President - Loan Servicing PHH Mortgage Corporation    EX-2 3 ex02.txt EXHIBIT 2  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 and Touche LLP - --------------------------- Deloitte and Touche LLP  Princeton, NJ  February 28, 2006   APPENDIX I PHH MORTGAGE CORPORATION - 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:          o   be mathematically accurate;          o   be prepared within forty-five (45) calendar days after the cutoff             date;          o   be reviewed and approved by someone other than the person who             prepared the reconciliation; and          o   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 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 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 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.(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.   PHH Mortgage 3000 Leadenhall Road Mt. Laurel, NJ 08054 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 - ----------------------- Terence W. Edwards President and Chief Executive Officer   /s/ Mark Danahy - ----------------------- Mark Danahy Senior Vice President and Chief Financial Officer   /s/ Martin L. Foster - ----------------------- Martin L. Foster Senior Vice President - Loan Servicing     EX-3 4 ex03.htm EXHIBIT 3     phhm0506p&i.pdf -- Converted by SECPublisher 4.0, created by BCL Technologies Inc., for SEC Filing       PHHMC Mortgage       Pass-Through Certificates,                      Series       2005-6                               Schedule of Year-To-Date       Principal and Interest Distributions to Certificateholders for       2005            Class      Interest      Principal      Realized      Ending          Distribution          Paid      Losses      Balance      A1      459,886.46          529,143.16          0.00      49,513,102.84        A2      270,410.29          0.00      0.00      34,414,571.00        A3      91,776.38      165,320.01          0.00      9,832,367.99        A4      581,021.87          1,046,615.07          0.00      62,247,181.93        A5      0.00      0.00      0.00      3,148,924.31        A6      0.00      0.00      0.00      3,663,701.15        A7      0.00      0.00      0.00      24,290,533.50        B1      87,664.17      24,305.72      0.00      9,502,775.28        B2      9,227.81      2,558.50      0.00      1,000,292.50        B3      4,613.90      1,279.24      0.00      500,145.76        B4      3,691.12      1,023.40      0.00      400,116.60        B5      2,768.34      767.54      0.00      300,087.46        B6      2,768.34      767.55      0.00      300,088.16        RI      0.46      100.00      0.00      0.00    RII      0.46      100.00      0.00      0.00    X      14,912.98      0.00      0.00      0.00           EX-4 5 ex04.txt EXHIBIT 4  Exhibit 4 - PHHMC Pass-Through Certificates, Series 2005-6                                     CERTIFICATION  I,  Terence W. Edwards, 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 the trust      (the "Trust") created pursuant to the Pooling and Servicing Agreement      dated October 1, 2005 (the "Agreement") among PHH Mortgage Capital LLC      (the "Depositor"), PHH Mortgage Corporation the "Master Servicer") and      Citibank, N.A. (the "Trustee");  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 mis-      leading 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      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 Agreement and based upon my knowledge and the annual      compliance review required under the Agreement, and except as disclosed      in the reports, the Master Servicer has fulfilled its obligations under      the Agreement; and  5.   The reports disclose all significant deficiencies relating to the Master      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 as set forth in the Agreement, that is      included in these reports.  In giving the certifications above, I have reasonably relied on the information provided to me by the following unaffiliated parties: the Trustee.  Date:  March 30, 2006        --------------  By:       /s/ Terence W. Edwards           -------------------------- Name:     Terence W. Edwards Title:    President and Chief Executive Officer Company:  PHH Mortgage Corporation    -----END PRIVACY-ENHANCED MESSAGE-----