0000882377-05-001760 Sample Contracts

as Issuer DEUTSCHE BANK NATIONAL TRUST COMPANY, as Indenture Trustee WELLS FARGO BANK, NATIONAL ASSOCIATION, as Master Servicer and Securities Administrator and MORTGAGEIT HOLDINGS, INC., as Seller and Company
Sale and Servicing Agreement • July 13th, 2005 • MORTGAGEIT TRUST 2005-3, Mortgage-Backed Notes, Series 2005-3 • Asset-backed securities • New York

Sale and Servicing Agreement dated as of June 28, 2005 (the “Agreement”), among MortgageIT Securities Corp., a Delaware corporation, as depositor (the “Depositor”), MortgageIT Trust 2005-3, a Delaware statutory trust, as issuer (the “Issuer”), Deutsche Bank National Trust Company, a national banking association, not in its individual capacity but solely as indenture trustee (the “Indenture Trustee”), Wells Fargo Bank, National Association (“Wells Fargo”), as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”), and MortgageIT Holdings, Inc., as seller (in such capacity, the “Seller”) and as company (in such capacity, the “Company”).

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AS PURCHASER, MORTGAGEIT HOLDINGS, INC. AS SELLER MORTGAGE LOAN PURCHASE AGREEMENT DATED AS OF JUNE 1, 2005 ADJUSTABLE RATE MORTGAGE LOANS
Mortgage Loan Purchase Agreement • July 13th, 2005 • MORTGAGEIT TRUST 2005-3, Mortgage-Backed Notes, Series 2005-3 • Asset-backed securities • New York
MORTGAGEIT SECURITIES CORP.,
Trust Agreement • July 13th, 2005 • MORTGAGEIT TRUST 2005-3, Mortgage-Backed Notes, Series 2005-3 • Asset-backed securities • Delaware

This Amended and Restated Trust Agreement, dated as of June 28, 2005 (as amended from time to time, this “Trust Agreement”), among MortgageIT Securities Corp., a Delaware corporation, as depositor (the “Depositor”), Wilmington Trust Company, a Delaware banking corporation, as owner trustee (the “Owner Trustee”) and Wells Fargo Bank, National Association, not individually but acting solely as securities administrator (the “Securities Administrator”), as certificate registrar (the “Certificate Registrar”) and as certificate paying agent (the “Certificate Paying Agent”).

ADMINISTRATION AGREEMENT
Administration Agreement • July 13th, 2005 • MORTGAGEIT TRUST 2005-3, Mortgage-Backed Notes, Series 2005-3 • Asset-backed securities • New York

This Administration Agreement (the “Agreement”) is entered into as of June 28, 2005, among MORTGAGEIT TRUST 2005-3, a Delaware statutory trust (the “Issuer”), WELLS FARGO BANK, NATIONAL ASSOCIATION, as Administrator (the “Administrator”), WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee (the “Owner Trustee”) and MORTGAGEIT SECURITIES CORP., as Depositor (the “Depositor”).

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