i) a review of the activities of the Servicer during the preceding calendar year and of its performance under the Agreement has been made under the undersigned officers' supervision; and

                                                                    Exhibit 99.3

                       GE CAPITAL MORTGAGE SERVICES, INC.
             OFFICERS' ANNUAL COMPLIANCE CERTIFICATE - SERIES 1999-3

         The undersigned,  Vice Presidents of GE Capital Mortgage Services, Inc.
(the "Servicer"), pursuant to the Pooling and Servicing Agreement for the Series
1999-3 REMIC Multi-Class  Mortgage  Pass-Through  Certificates (the "Agreement")
entered into by GE Capital Mortgage Services,  Inc., as Seller and Servicer, and
State Street Bank and Trust Company,  as Trustee,  which  Agreement  requires an
annual  statement of  compliance  to be made to the Trustee by an officer of the
Servicer, hereby state that:

         (i)      a  review  of  the  activities  of  the  Servicer  during  the
                  preceding  calendar  year  and of its  performance  under  the
                  Agreement  has  been  made  under  the  undersigned  officers'
                  supervision; and

         (ii)     to the best of the undersigned  officers' knowledge,  based on
                  such review,  the Servicer has  fulfilled  all of its material
                  obligations  under the Agreement  throughout such year, except
                  as set forth on Exhibit A hereto.

Capitalized  terms used  herein but not  defined  herein  shall have the meaning
given to them in the Agreement.

Dated:            March 24, 2000


By:      /s/ Xxxxxxx X. Xxxxxx
------------------------------
         Xxxxxxx X. Xxxxxx
         Senior Vice President


By:      /s/ Xxx Xxxx-
------------------------------
         Xxx Xxxx
         Vice President



                                    EXHIBIT A





                                      None