New York, June 07, 2013 -- Moody's Investors Service has assigned ratings of Aaa (sf) to two classes of residential mortgage-backed securities (RMBS) issued by EverBank Mortgage Loan Trust 2013-2 (EBMLT 2013-2). The certificates are backed by a pool of prime quality, first-lien mortgage loans. The borrowers in this transaction have high FICO scores, significant liquid cash reserves, and sizeable equity in their properties. Our credit opinion reflects our analysis of a wide array of quantitative and qualitative factors, including our originator assessment and an extensive third-party review of the loan pool. The credit quality of the transaction is also strong because of unambiguous representations and warranties and a structure with a subordination floor.

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