Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3


*CONTACT INFORMATION*

Depositor	Citigroup Mortgage Loan Trust Inc.
	390 Greenwich Street
	New York, NY 10013

Credit Risk Manager	Clayton Fixed Income Services Inc.
	1700 Lincoln Street, Suite 1600
	Denver, CO 80203

Trust Administrator	Citibank, N.A.
	388 Greenwich Street, 14th Floor
	New York, NY 10013


*CONTENTS*

Distribution Summary	2

Distribution Summary (Factors)	3

Interest Distribution	4

Principal Distribution	5

Reconciliation Detail	6

Collateral Summary	6

Delinquency Information	8

Standard Prepayment and Default Information	10

Credit Enhancement	11

Distribution Waterfall Detail	12

Other Information	14



Deal Contact:	Valerie Delgado	Citibank, N.A.
	valerie.delgado@citi.com	Agency and Trust
	Tel: (949) 250-6464	388 Greenwich Street, 14th Floor
	Fax: (949) 250-6450	New York, NY 10013

Reports Available at www.sf.citidirect.com

Page 1 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Distribution Summary

*DISTRIBUTION IN DOLLARS*
Class	Original Balance	Prior Principal Balance	Pass- Through Rate	Accrual Day Count	Accrual Dates	Interest Distributed	Principal Distributed	Total Distributed	Deferred Interest	Realized Loss	Current Principal Balance
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)=(7+8)	(10)	(11)	(12)=(3-8+10-11)
A1	233,212,000.00	182,109,620.48	4.922500%	32 / 360	10/25 - 11/25	796,830.76	6,039,531.12	6,836,361.88	0.00	0.00	176,070,089.36
A2	179,093,000.00	179,093,000.00	5.032500%	32 / 360	10/25 - 11/25	801,142.69	0.00	801,142.69	0.00	0.00	179,093,000.00
A3	46,009,000.00	46,009,000.00	5.122500%	32 / 360	10/25 - 11/25	209,494.31	0.00	209,494.31	0.00	0.00	46,009,000.00
M1	26,926,000.00	26,926,000.00	5.132500%	32 / 360	10/25 - 11/25	122,842.40	0.00	122,842.40	0.00	0.00	26,926,000.00
M2	24,348,000.00	24,348,000.00	5.142500%	32 / 360	10/25 - 11/25	111,297.41	0.00	111,297.41	0.00	0.00	24,348,000.00
M3	6,302,000.00	6,302,000.00	5.152500%	32 / 360	10/25 - 11/25	28,863.16	0.00	28,863.16	0.00	0.00	6,302,000.00
M4	10,598,000.00	10,598,000.00	5.232500%	32 / 360	10/25 - 11/25	49,292.48	0.00	49,292.48	0.00	0.00	10,598,000.00
M5	7,161,000.00	7,161,000.00	5.292500%	32 / 360	10/25 - 11/25	33,688.53	0.00	33,688.53	0.00	0.00	7,161,000.00
M6	5,156,000.00	5,156,000.00	5.572500%	32 / 360	10/25 - 11/25	25,539.39	0.00	25,539.39	0.00	0.00	5,156,000.00
M7	6,875,000.00	6,875,000.00	6.472500%	32 / 360	10/25 - 11/25	39,554.17	0.00	39,554.17	0.00	0.00	6,875,000.00
M8	5,156,000.00	5,156,000.00	6.872500%	32 / 360	10/25 - 11/25	31,497.43	0.00	31,497.43	0.00	0.00	5,156,000.00
M9	6,302,000.00	6,302,000.00	7.372500%	32 / 360	10/25 - 11/25	41,299.11	0.00	41,299.11	0.00	0.00	6,302,000.00
M10	8,020,000.00	8,020,000.00	7.372500%	32 / 360	10/25 - 11/25	52,557.73	0.00	52,557.73	0.00	0.00	8,020,000.00
M11	7,735,000.00	7,735,000.00	7.372500%	32 / 360	10/25 - 11/25	50,690.03	0.00	50,690.03	0.00	0.00	7,735,000.00
CE	311.98	4,202,193.79	246.923026%	30 / 360	10/01 - 10/31	0.00	0.00	0.00	1,088,703.68	0.00	5,290,897.47
P	100.00	100.00	0.000000%	30 / 360	10/01 - 10/31	16,721.35	0.00	16,721.35	0.00	0.00	100.00
R	0.00	0.00	0.000000%	-		0.00	0.00	0.00	0.00	0.00	0.00
RX	0.00	0.00	0.000000%	-		0.00	0.00	0.00	0.00	0.00	0.00
Totals	572,893,411.98	525,992,914.27				2,411,310.95	6,039,531.12	8,450,842.07	1,088,703.68	0.00	521,042,086.83

Reports Available at www.sf.citidirect.com

Page 2 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Distribution Summary (Factors)

*PER $1,000 OF ORIGINAL BALANCE*
Class	CUSIP	Record Date	Prior Principal Balance	Interest Distributed	Principal Distributed	Total Distributed	Deferred Interest	Realized Loss	Current Principal Balance
			(3/2 x 1000)	(7/2 x 1000)	(8/2 x 1000)	(9/2 x 1000)	(10/2 x 1000)	(11/2 x 1000)	(12/2 x 1000)
A1	17313CAA7	11/23/2007	780.875858	3.416766	25.897171	29.313937	0.000000	0.000000	754.978686
A2	17313CAB5	11/23/2007	1,000.000000	4.473333	0.000000	4.473333	0.000000	0.000000	1,000.000000
A3	17313CAC3	11/23/2007	1,000.000000	4.553333	0.000000	4.553333	0.000000	0.000000	1,000.000000
M1	17313CAD1	11/23/2007	1,000.000000	4.562222	0.000000	4.562222	0.000000	0.000000	1,000.000000
M2	17313CAE9	11/23/2007	1,000.000000	4.571111	0.000000	4.571111	0.000000	0.000000	1,000.000000
M3	17313CAF6	11/23/2007	1,000.000000	4.580000	0.000000	4.580000	0.000000	0.000000	1,000.000000
M4	17313CAG4	11/23/2007	1,000.000000	4.651112	0.000000	4.651112	0.000000	0.000000	1,000.000000
M5	17313CAH2	11/23/2007	1,000.000000	4.704445	0.000000	4.704445	0.000000	0.000000	1,000.000000
M6	17313CAJ8	11/23/2007	1,000.000000	4.953334	0.000000	4.953334	0.000000	0.000000	1,000.000000
M7	17313CAK5	11/23/2007	1,000.000000	5.753334	0.000000	5.753334	0.000000	0.000000	1,000.000000
M8	17313CAL3	11/23/2007	1,000.000000	6.108889	0.000000	6.108889	0.000000	0.000000	1,000.000000
M9	17313CAM1	11/23/2007	1,000.000000	6.553334	0.000000	6.553334	0.000000	0.000000	1,000.000000
M10	17313CAN9	11/23/2007	1,000.000000	6.553333	0.000000	6.553333	0.000000	0.000000	1,000.000000
M11	17313CAP4	11/23/2007	1,000.000000	6.553333	0.000000	6.553333	0.000000	0.000000	1,000.000000
CE	17313CAQ2	10/31/2007	13,469,433.264953	0.000000	0.000000	0.000000	3,489,658.567857	0.000000	16,959,091.832810
P	17313CAR0	10/31/2007	1,000.000000	167,213.500000	0.000000	167,213.500000	0.000000	0.000000	1,000.000000
R	17313CAS8	10/31/2007	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000
RX	17313CAT6	10/31/2007	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000

Reports Available at www.sf.citidirect.com

Page 3 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Interest Distribution Detail

*DISTRIBUTION IN DOLLARS*
Class	Prior Principal Balance	Pass- Through Rate	Next Pass- Through Rate	Interest Accrual Day Cnt Fraction	Optimal Accrued Interest	Prior Unpaid Interest	Interest on Prior Unpaid Interest	Non-Recov. Interest Shortfall	Interest Due	Deferred Interest	Interest Distributed	Current Unpaid Interest
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)=(6)+(7)+(8)-(9)	(11)	(12)	(13)=(10)-(11)-(12)
A1	182,109,620.48	4.92250%	4.83313%	32 / 360	796,830.76	0.00	0.00	0.00	796,830.76	0.00	796,830.76	0.00
A2	179,093,000.00	5.03250%	4.94313%	32 / 360	801,142.69	0.00	0.00	0.00	801,142.69	0.00	801,142.69	0.00
A3	46,009,000.00	5.12250%	5.03313%	32 / 360	209,494.31	0.00	0.00	0.00	209,494.31	0.00	209,494.31	0.00
M1	26,926,000.00	5.13250%	5.04313%	32 / 360	122,842.40	0.00	0.00	0.00	122,842.40	0.00	122,842.40	0.00
M2	24,348,000.00	5.14250%	5.05313%	32 / 360	111,297.41	0.00	0.00	0.00	111,297.41	0.00	111,297.41	0.00
M3	6,302,000.00	5.15250%	5.06313%	32 / 360	28,863.16	0.00	0.00	0.00	28,863.16	0.00	28,863.16	0.00
M4	10,598,000.00	5.23250%	5.14313%	32 / 360	49,292.48	0.00	0.00	0.00	49,292.48	0.00	49,292.48	0.00
M5	7,161,000.00	5.29250%	5.20313%	32 / 360	33,688.53	0.00	0.00	0.00	33,688.53	0.00	33,688.53	0.00
M6	5,156,000.00	5.57250%	5.48313%	32 / 360	25,539.39	0.00	0.00	0.00	25,539.39	0.00	25,539.39	0.00
M7	6,875,000.00	6.47250%	6.38313%	32 / 360	39,554.17	0.00	0.00	0.00	39,554.17	0.00	39,554.17	0.00
M8	5,156,000.00	6.87250%	6.78313%	32 / 360	31,497.43	0.00	0.00	0.00	31,497.43	0.00	31,497.43	0.00
M9	6,302,000.00	7.37250%	7.28313%	32 / 360	41,299.11	0.00	0.00	0.00	41,299.11	0.00	41,299.11	0.00
M10	8,020,000.00	7.37250%	7.28313%	32 / 360	52,557.73	0.00	0.00	0.00	52,557.73	0.00	52,557.73	0.00
M11	7,735,000.00	7.37250%	7.28313%	32 / 360	50,690.03	0.00	0.00	0.00	50,690.03	0.00	50,690.03	0.00
CE	4,202,193.79	246.92303%	0.00000%	30 / 360	1,088,703.68	0.00	0.00	0.00	1,088,703.68	1,088,703.68	0.00	0.00
P	100.00	0.00000%	0.00000%	30 / 360	16,721.35	0.00	0.00	0.00	16,721.35	0.00	16,721.35	0.00
R	0.00	0.00000%	0.00000%	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
RX	0.00	0.00000%	0.00000%	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Totals	525,992,914.27				3,500,014.63	0.00	0.00	0.00	3,500,014.63	1,088,703.68	2,411,310.95	0.00

Reports Available at www.sf.citidirect.com

Page 4 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Principal Distribution Detail

*DISTRIBUTION IN DOLLARS*
Class	Original Balance	Prior Principal Balance	Scheduled Principal Distribution	Unscheduled Principal Distribution	Accreted Principal	Current Realized Losses	Current Principal Recoveries	Current Principal Balance	Cumulative Realized Losses	Original Class (%)	Current Class (%)	Original Credit Support	Current Credit Support
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)=(3)-(4)-(5)+(6)-(7)+(8)	(10)	(11)	(12)	(13)	(14)
A1	233,212,000.00	182,109,620.48	240,973.42	5,798,557.70	0.00	0.00	0.00	176,070,089.36	0.00	40.71%	33.79%	20.00%	23.01%
A2	179,093,000.00	179,093,000.00	0.00	0.00	0.00	0.00	0.00	179,093,000.00	0.00	31.26%	34.37%	20.00%	23.01%
A3	46,009,000.00	46,009,000.00	0.00	0.00	0.00	0.00	0.00	46,009,000.00	0.00	8.03%	8.83%	20.00%	23.01%
P	100.00	100.00	0.00	0.00	0.00	0.00	0.00	100.00	0.00	0.00%	0.00%	20.00%	23.01%
M1	26,926,000.00	26,926,000.00	0.00	0.00	0.00	0.00	0.00	26,926,000.00	0.00	4.70%	5.17%	15.30%	17.84%
M2	24,348,000.00	24,348,000.00	0.00	0.00	0.00	0.00	0.00	24,348,000.00	0.00	4.25%	4.67%	11.05%	13.17%
M3	6,302,000.00	6,302,000.00	0.00	0.00	0.00	0.00	0.00	6,302,000.00	0.00	1.10%	1.21%	9.95%	11.96%
M4	10,598,000.00	10,598,000.00	0.00	0.00	0.00	0.00	0.00	10,598,000.00	0.00	1.85%	2.03%	8.10%	9.92%
M5	7,161,000.00	7,161,000.00	0.00	0.00	0.00	0.00	0.00	7,161,000.00	0.00	1.25%	1.37%	6.85%	8.55%
M6	5,156,000.00	5,156,000.00	0.00	0.00	0.00	0.00	0.00	5,156,000.00	0.00	0.90%	0.99%	5.95%	7.56%
M7	6,875,000.00	6,875,000.00	0.00	0.00	0.00	0.00	0.00	6,875,000.00	0.00	1.20%	1.32%	4.75%	6.24%
M8	5,156,000.00	5,156,000.00	0.00	0.00	0.00	0.00	0.00	5,156,000.00	0.00	0.90%	0.99%	3.85%	5.25%
M9	6,302,000.00	6,302,000.00	0.00	0.00	0.00	0.00	0.00	6,302,000.00	0.00	1.10%	1.21%	2.75%	4.04%
M10	8,020,000.00	8,020,000.00	0.00	0.00	0.00	0.00	0.00	8,020,000.00	0.00	1.40%	1.54%	1.35%	2.50%
M11	7,735,000.00	7,735,000.00	0.00	0.00	0.00	0.00	0.00	7,735,000.00	0.00	1.35%	1.48%	0.00%	1.02%
CE	311.98	4,202,193.79	0.00	0.00	1,088,703.68	0.00	0.00	5,290,897.47	0.00	0.00%	1.02%	0.00%	0.00%
Totals	572,893,411.98	525,992,914.27	240,973.42	5,798,557.70	1,088,703.68	0.00	0.00	521,042,086.83	0.00	100%	100%

Reports Available at www.sf.citidirect.com

Page 5 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Reconciliation Detail


*SOURCE OF FUNDS*

Interest Funds Available
Scheduled Interest	3,705,472.69
Uncompensated PPIS	0.00
Relief Act Interest Shortfall	(327.52	)
Interest Adjustments	3,864.00
Total Interest Funds Available:			3,709,009.17
Principal Funds Available
Scheduled Principal	240,973.42
Curtailments	44,472.27
Prepayments in Full	4,665,381.75
Net Liquidation Proceeds	0.00
Repurchased Principal	0.00
Substitution Principal	0.00
Other Principal	0.00
Trailing Income/(Loss)	0.00
Total Principal Funds Available:			4,950,827.44
Other Funds Available
Cap Contract Amount	0.00
Interest Rate Swap Agreement Amount	0.00
Prepayment Penalties	16,721.35
Other Charges	0.00
Total Other Funds Available:			16,721.35
Total Funds Available			8,676,557.96


*ALLOCATION OF FUNDS*

Scheduled Fees
Credit Risk Manager Fee	6,575.03
Servicing Fee	219,140.86
Total Scheduled Fees:		225,715.89
Additional Fees, Expenses, etc.
Extraordinary Trust Fund Expenses	0.00
Other Expenses	0.00
Reserve Fund	0.00
Total Additional Fees, Expenses, etc.:		0.00
Distribution to Certificateholders
Interest Distribution	2,411,310.95
Principal Distribution	6,039,531.12
Total Distribution to Certificateholders:		8,450,842.07
Total Funds Allocated		8,676,557.96

Reports Available at www.sf.citidirect.com

Page 6 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Collateral Summary


*ASSET CHARACTERISTICS*

	Cut-Off			Prior			Current

Aggregate Stated Principal Balance		572,893,411.98			525,992,914.27			521,042,086.83

Loan Count		3,443			3,177			3,147

Weighted Average Coupon Rate (WAC)		8.497271	%		8.454996	%		Not Available

Net Weighted Average Coupon Rate (Net WAC)		7.997271	%		7.939996	%		Not Available

Weighted Average Remaining Term (WART in months)		404			349			348


*AVAILABLE PRINCIPAL*

Scheduled Principal			240,973.42
Curtailments			44,472.27
Principal Prepayments			4,665,381.75
Net Liquidation Proceeds			0.00
Repurchased Principal			0.00
(Trailing Loss) / Income			0.00
TOTAL AVAILABLE PRINCIPAL			4,950,827.44

Current Realized Losses			0.00
Current Bankruptcy Losses			0.00
Trailing Loss / (Income)			0.00
Cumulative Realized Losses			0.00


*AVAILABLE INTEREST*

Scheduled Interest		3,705,472.69

Less:	Servicing Fee	219,140.86
	Credit Risk Manager Fee	6,575.03
	Uncompensated PPIS	0.00
	Relief Act Interest Shortfall	327.52

TOTAL AVAILABLE INTEREST		3,479,429.28

Reports Available at www.sf.citidirect.com

Page 7 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Delinquency Information



	Less Than
	30 Days			30-59 Days			60-89 Days			90+ Days			Totals
Delinquency
Scheduled Principal Balance					12,370,785.39			6,464,148.26			728,036.96			19,562,970.61
Percentage of Total Pool Balance					2.3742	%		1.2406	%		0.1397	%		3.7546	%
Number of Loans					70			33			4			107
Percentage of Total Loans					2.2243	%		1.0486	%		0.1271	%		3.4001	%
Bankruptcy
Scheduled Principal Balance		645,572.91			0.00			214,747.67			0.00			860,320.58
Percentage of Total Pool Balance		0.1239	%		0.0000	%		0.0412	%		0.0000	%		0.1651	%
Number of Loans		4			0			1			0			5
Percentage of Total Loans		0.1271	%		0.0000	%		0.0318	%		0.0000	%		0.1589	%
Foreclosure
Scheduled Principal Balance					0.00			0.00			3,908,496.31			3,908,496.31
Percentage of Total Pool Balance					0.0000	%		0.0000	%		0.7501	%		0.7501	%
Number of Loans					0			0			26			26
Percentage of Total Loans					0.0000	%		0.0000	%		0.8262	%		0.8262	%
REO
Scheduled Principal Balance					0.00			0.00			0.00			0.00
Percentage of Total Pool Balance					0.0000	%		0.0000	%		0.0000	%		0.0000	%
Number of Loans					0			0			0			0
Percentage of Total Loans					0.0000	%		0.0000	%		0.0000	%		0.0000	%
Total
Scheduled Principal Balance		645,572.91			12,370,785.39			6,678,895.93			4,636,533.27			24,331,787.50
Percentage of Total Pool Balance		0.1239	%		2.3742	%		1.2818	%		0.8899	%		4.6698	%
Number of Loans		4			70			34			30			138
Percentage of Total Loans		0.1271	%		2.2243	%		1.0804	%		0.9533	%		4.3851	%

Principal and Interest Advances					3,365,748.95

Reports Available at www.sf.citidirect.com

Page 8 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Historical Delinquency Information


Distribution	1 Month		2 Month		3 + Month		Bankruptcy		Foreclosure		REO		Total
Date													( 2+, BK, FC & REO )
	Balance	Cnt	Balance	Cnt	Balance	Cnt	Balance	Cnt	Balance	Cnt	Balance	Cnt	Balance	Cnt
11/26/2007	12,370,785.39	70	6,464,148.26	33	728,036.96	4	860,320.58	5	3,908,496.31	26	0.00	0	11,961,002.11	68
	2.374%	2.2%	1.241%	1.0%	0.140%	0.1%	0.165%	0.2%	0.750%	0.8%	0.000%	0.0%	2.296%	2.2%
10/25/2007	10,794,973.46	58	5,290,711.02	33	0.00	0	645,863.94	4	0.00	0	0.00	0	5,936,574.96	37
	2.052%	1.8%	1.006%	1.0%	0.000%	0.0%	0.123%	0.1%	0.000%	0.0%	0.000%	0.0%	1.129%	1.2%
09/25/2007	7,086,886.41	48	0.00	0	0.00	0	171,000.00	1	0.00	0	0.00	0	171,000.00	1
	1.340%	1.5%	0.000%	0.0%	0.000%	0.0%	0.032%	0.0%	0.000%	0.0%	0.000%	0.0%	0.032%	0.0%
08/27/2007	330,028.99	3	0.00	0	0.00	0	0.00	0	0.00	0	0.00	0	0.00	0
	0.062%	0.1%	0.000%	0.0%	0.000%	0.0%	0.000%	0.0%	0.000%	0.0%	0.000%	0.0%	0.000%	0.0%
07/25/2007	12,686,240.26	56	0.00	0	0.00	0	40,961.90	1	0.00	0	0.00	0	40,961.90	1
	2.228%	1.6%	0.000%	0.0%	0.000%	0.0%	0.007%	0.0%	0.000%	0.0%	0.000%	0.0%	0.007%	0.0%

Reports Available at www.sf.citidirect.com

Page 9 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Standard Prepayment and Default Information


Payment Date	Wtd. Avg. Age (Months)	Current Collateral Balance	Scheduled Principal	Unscheduled Principal	Liquidation Principal	SMM	CPR	PSA	MDR	CDR	SDA
26-Nov-2007	7.46	521,042,086.83	240,973.42	4,709,854.02	0.00	0.896%	10.236%	686%	0.000%	0.000%	0%
25-Oct-2007	6.47	525,992,914.27	240,061.68	2,560,656.90	0.00	0.484%	5.661%	438%	0.000%	0.000%	0%
25-Sep-2007	5.47	528,793,632.85	239,007.00	2,517,203.40	0.00	0.474%	5.539%	506%	0.000%	0.000%	0%
27-Aug-2007	4.50	531,549,843.25	238,537.40	37,505,161.62	0.00	6.591%	55.876%	6,205%	0.000%	0.000%	0%
25-Jul-2007	3.50	569,293,542.27	253,218.38	3,346,651.33	0.00	0.584%	6.792%	970%	0.000%	0.000%	0%

SMM (Single Month Mortality) = Unscheduled Principal / (Beginning Balance - Scheduled Principal)	MDR (Monthly Default Rate) = Beginning Balance of Liquidated Asset / Total Beginning Balance
CPR (Constant Prepayment Rate) = 1 - ((1-SMM)^12)	CDR (Conditional Default Rate) = 1 - ((1-MDR)^12)
PSA (Public Securities Association) = CPR * (min(.2% * Age, 6%))	SDA (Standard Default Assumption) = CDR * (min(.2% * Age, 6%))

Reports Available at www.sf.citidirect.com

Page 10 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Credit Enhancement


*Overcollateralization and Trigger Information*

Overcollateralization Target Amount			10,884,974.83	2.0891	%
Beginning Overcollateralization Amount			4,202,193.79
Overcollateralization Decrease Due to Realized Losses			0.00
Overcollateralization Deficiency Amount	6,682,781.04
Amount Available for Overcollateralization Increase	1,088,703.68
Overcollateralization Increase Amount			1,088,703.68
Excess Overcollateralization Amount	0.00
Principal Available for Overcollateralization Reduction	4,950,827.44
Overcollateralization Reduction Amount			0.00
Current Overcollateralization			5,290,897.47	1.0154	%

Current Senior Enhancement Percentage				23.0058	%
Are Stepdown Principal Distributions Allowed This Month?				No
(Has the Stepdown Date Occured and Are There No Trigger Events in Effect?)
Has the Stepdown Date Occured?			No
(Has the 3rd Anniversary Distribution Date Occurred or Does the Senior Enhancement Percentage Equal or Exceed the Target Percentage?)
3rd Anniversary Distribution Date	26-Jul-2010
Stepdown Date Senior Enhancement Percentage	22.7969	%
Senior Enhancement Target Percentage	46.0000	%
Is a Trigger Event in Effect?			No
(Is a Delinquency Trigger Event in Effect or Is a Cumulative Realized Loss Trigger in Effect?)
Is a Delinquency Trigger Event in Eeffect?			No
(Does the Delinquency Percentage Exceed the Target Percentage?)
Delinquency Percentage	2.1717	%
Target Percentage (36.50% of the Prior Senior Enhancement Percentage)	8.2425	%
Is a Cumulative Realized Loss Trigger Event in Effect?			No
(Does the Cumulative Loss Percentage Exceed the Target Percentage?)
Cumulative Loss Percentage	0.0000	%
Target Percentage	1.1000	%

Reports Available at www.sf.citidirect.com

Page 11 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Waterfall Detail


*DISTRIBUTIONS*	Amount Distributed			Remaining Available Funds

Senior Interest Remittance Funds					3,483,293.28
Class A-1 Monthly Interest Distributable Amount		(796,830.76	)		2,686,462.52
Class A-2 Monthly Interest Distributable Amount		(801,142.69	)		1,885,319.83
Class A-3 Monthly Interest Distributable Amount		(209,494.31	)		1,675,825.52
Remaining Amount to be Distributed as Interest to Subordinate Classes		(1,675,825.52	)		0.00

Subordinate Interest Remittance Funds					1,675,825.52
Class M-1 Monthly Interest Distributable Amount		(122,842.40	)		1,552,983.12
Class M-2 Monthly Interest Distributable Amount		(111,297.41	)		1,441,685.71
Class M-3 Monthly Interest Distributable Amount		(28,863.16	)		1,412,822.55
Class M-4 Monthly Interest Distributable Amount		(49,292.48	)		1,363,530.07
Class M-5 Monthly Interest Distributable Amount		(33,688.53	)		1,329,841.54
Class M-6 Monthly Interest Distributable Amount		(25,539.39	)		1,304,302.15
Class M-7 Monthly Interest Distributable Amount		(39,554.17	)		1,264,747.98
Class M-8 Monthly Interest Distributable Amount		(31,497.43	)		1,233,250.55
Class M-9 Monthly Interest Distributable Amount		(41,299.11	)		1,191,951.44
Class M-10 Monthly Interest Distributable Amount		(52,557.73	)		1,139,393.71
Class M-11 Monthly Interest Distributable Amount		(50,690.03	)		1,088,703.68
Remaining Amount to Be Distributed as Net Monthly Excess Cashflow		(1,088,703.68	)		0.00

Senior Principal Distribution Funds					4,950,827.44
Class A-1 Principal Distribution Amount		(4,950,827.44	)		0.00
Class A-2 Principal Distribution Amount		0.00			0.00
Class A-3 Principal Distribution Amount		0.00			0.00

Reports Available at www.sf.citidirect.com

Page 12 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Waterfall Detail


*DISTRIBUTIONS*	Amount Distributed			Remaining Available Funds

Subordinate Principal Distribution Funds					0.00
Class M-1 Principal Distribution Amount		0.00			0.00
Class M-2 Principal Distribution Amount		0.00			0.00
Class M-3 Principal Distribution Amount		0.00			0.00
Class M-4 Principal Distribution Amount		0.00			0.00
Class M-5 Principal Distribution Amount		0.00			0.00
Class M-6 Principal Distribution Amount		0.00			0.00
Class M-7 Principal Distribution Amount		0.00			0.00
Class M-8 Principal Distribution Amount		0.00			0.00
Class M-9 Principal Distribution Amount		0.00			0.00
Class M-10 Principal Distribution Amount		0.00			0.00
Class M-11 Principal Distribution Amount		0.00			0.00

Net Monthly Excess Cashflow					1,088,703.68
Class A Extra Principal Payment Amount to Increase Overcollateralization		(1,088,703.68	)		0.00
Amounts Paid to Cover Net WAC Rate Carryover Amount Shortfalls		0.00			0.00
Class CE Monthly Interest Distributable Amount and Any Unpaid Interest Shortfall Amount		0.00			0.00
Class CE, Principal, Up to the Amount of Any Overcollateralization Release Amount		0.00			0.00
Remaining to the Holders of the Residual Certificates		0.00			0.00

Prepayment Penalties					16,721.35
Class P Prepayment Penalties		(16,721.35	)		0.00
Distribution of Class P Outstanding Certificate Principal Balance		0.00			0.00

Reports Available at www.sf.citidirect.com

Page 13 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3

Other Information


Interest Rate Cap Contract Information
Cap Contract Beginning Notional Amount	513,215,025.00
Cap Contract Ending Notional Amount	501,728,545.00
Current Cap Amount Paid	0.00
Next Cap Amount to be Paid	0.00

Interest Rate Swap Contract Information
Swap Contract Beginning Notional Amount	0.00
Swap Contract Ending Notional Amount	0.00
Current Swap Amount Paid	0.00
Next Swap Amount to be Paid	0.00

Reserve Fund Information
Reserve Fund Beginning Balance	2,143.48
Deposits	0.00
Withdrawals	0.00
Reserve Fund Ending Balance	2,143.48

Expenses
Extraordinary Trust Fund Expenses	0.00

Prepayment Penalties
Prepayment Penalties	16,721.35

Net WAC Rate Carryover Reserve Account Information
Beginning Reserve Account Balance	0.00
Deposits	0.00
Withdrawals	0.00
Ending Reserve Account Balance	0.00

Rate Reset Information
Current LIBOR	4.872500	%
Next LIBOR	4.783130	%

Reports Available at www.sf.citidirect.com

Page 14 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3


Beginning Unpaid Net WAC Rate Carryover Amounts Plus Interest Thereon
Class A-1 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class A-2 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class A-3 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class M-1 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class M-2 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class M-3 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class M-4 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class M-5 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class M-6 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class M-7 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			0.00
Class M-8 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			317.64
Class M-9 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			3,333.41
Class M-10 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			4,242.13
Class M-11 Beginning Unpaid Net WAC Rate Carryover Amount Plus Interest Thereon			4,091.40

Current Net WAC Carryover Amounts
Class A-1 Current Net WAC Rate Carryover Amount			0.00
Class A-2 Current Net WAC Rate Carryover Amount			0.00
Class A-3 Current Net WAC Rate Carryover Amount			0.00
Class M-1 Current Net WAC Rate Carryover Amount			0.00
Class M-2 Current Net WAC Rate Carryover Amount			0.00
Class M-3 Current Net WAC Rate Carryover Amount			0.00
Class M-4 Current Net WAC Rate Carryover Amount			0.00
Class M-5 Current Net WAC Rate Carryover Amount			0.00
Class M-6 Current Net WAC Rate Carryover Amount			0.00
Class M-7 Current Net WAC Rate Carryover Amount			0.00
Class M-8 Current Net WAC Rate Carryover Amount			0.00
Class M-9 Current Net WAC Rate Carryover Amount			0.00
Class M-10 Current Net WAC Rate Carryover Amount			0.00
Class M-11 Current Net WAC Rate Carryover Amount			0.00

Ending Unpaid Net WAC Rate Carryover Amounts
Class A-1 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class A-2 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class A-3 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class M-1 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class M-2 Ending Unpaid Net WAC Rate Carryover Amount			0.00

Reports Available at www.sf.citidirect.com

Page 15 of 16

Distribution Date:	11/26/2007	Citigroup Mortgage Loan Trust Inc.
Determination Date:	11/16/2007	Asset-Backed Pass-Through Certificates, Series 2007-WFHE3


Class M-3 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class M-4 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class M-5 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class M-6 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class M-7 Ending Unpaid Net WAC Rate Carryover Amount			0.00
Class M-8 Ending Unpaid Net WAC Rate Carryover Amount			317.64
Class M-9 Ending Unpaid Net WAC Rate Carryover Amount			3,333.41
Class M-10 Ending Unpaid Net WAC Rate Carryover Amount			4,242.13
Class M-11 Ending Unpaid Net WAC Rate Carryover Amount			4,091.40

Reports Available at www.sf.citidirect.com

Page 16 of 16

Citigroup Mortgage Loan Trust 2007-WFHE3 10-D