[Letterhead of Ernst & Young LLP]

Ernst & Young LLP

Suite 1000

55 Ivan Allen Jr. Boulevard

Atlanta, Georgia 30308

Tel: (404) 874-8300

Report of Independent Registered Public Accounting Firm

To the Board of Directors

ZC Sterling Insurance Agency, Inc.

We have examined management's assertion, included in the accompanying Report on Assessment of Compliance with Securities and Exchange Commission's Regulation AB Servicing Criteria, that ZC Sterling Insurance Agency, Inc. ('the Company' or 'ZCSIA') complied with certain servicing criteria set forth in Item 1122 (d) of the Securities and Exchange Commission's Regulation AB for the ZC Sterling Integrated Product Solution (ZIPS) Hazard Insurance Outsourcing Platform (the Platform) as of and for the year ended December 31, 2008. The Company has determined that only certain servicing criteria Item 1122 (d) (1) (iv), 1122 (d) (2) (vi), 1122 (d) (4) (xi), 1122 (d) (4) (xii), and 1122 (d) (4) (xiii) are applicable to the activities performed by them with respect to the Platform covered by this report. The Company has determined that the remaining servicing criteria set forth in Item 1122 (d) of the Securities and Exchange Commission's Regulation AB are not applicable to the activities performed by them with respect to the Platform covered by this report. See Appendix A of management's assertion for the Platform and Servicers covered by this report. Management is responsible for the Company's compliance with those servicing criteria. Our responsibility is to express an opinion on management's assertion about the Company's compliance with the servicing criteria 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 (United States) and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the applicable servicing criteria and performing such other procedures as we considered necessary in the circumstances. Our examination included testing of less than all of the servicing activities related to the Platform and Servicers, and determining whether the Company performed those selected activities in compliance with the servicing criteria. Furthermore, our procedures were limited to the servicing activities performed by the Company during the period covered by this report. Our procedures were not designed to determine whether errors may have occurred either prior to or subsequent to our tests that may have affected the balances or amounts calculated or reported by the Company during the period covered by this report for the Platform and Servicers. 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 the servicing criteria.

In our opinion, management's assertion that the Company complied with the aforementioned servicing criteria as of and for the year ended December 31, 2008 for the ZC Sterling Integrated Product Solution (ZIPS) Hazard Insurance Outsourcing Platform is fairly stated, in all material respects.

/s/ Ernst & Young LLP

February 5, 2009

A member firm of Ernst & Young Global Limited

RALI Series 2008-QR1 Trust 10-K