|Classes of First Franklin Mortgage Loan Trust 2001-FF2 were rated by Fitch at 'AAA' to 'BBB'. The ratings reflect the level of subordination, the quality of the home equity loans, the soundness of the legal and financial structures, and the capabilities of Option One Mortgage Corporation as servicer. The mortgage loans were originated under First Franklin Financial Corporation's Direct Access Program (DA). There are four documentation programs within DA - Full, Limited Income Verification, No Income Verification, and No Documentation. Generally, the minimum Credit Bureau Score allowed under the DA Program is 500. One group of loans within the pool has a weighted average original loan-to-value ratio (WAOLTV) of 80.17%, and the other group has a WAOLTV of 78.74 percent.