Guaranty To Mbia Ins Corp & Advanta Mtg Loan Trust

Advanta Mortgage Loan Trust 1999-1 (the "Trust") c/o Bankers Trust Company of California, N.A. Three Park Plaza 16th Floor Irvine, California 92714


MBIA Insurance Corporation 113 King Street Armonk, New York 10504


Re: Pooling and Servicing Agreement dated as of March 1,
1999 (the "Pooling and Servicing Agreement") among
Advanta Mortgage Conduit Services, Inc. as the
Sponsor (the "Sponsor"), Advanta Mortgage Corp. USA
("AMCUSA"), as Master Servicer, and Bankers Trust
Company of California, N.A. as Trustee (the
"Trustee") and the Master Loan Transfer Agreement
dated as of June 15, 1997 (the "Master Transfer
Agreement") among the Sponsor, the Trustee, Advanta
Conduit Receivables, Inc. as an Affiliate and the
Affiliated Originators named therein (the "Affiliated
Originators")


Ladies and Gentlemen:


Pursuant to the Pooling and Servicing Agreement and the Master Transfer Agreement (the "Agreements"), AMCUSA in its capacity as Master Servicer, has undertaken certain financial obligations with respect to its servicing of the Mortgage Loans, including, but not limited to, the making of Delinquency Advances and Servicing Advances. In addition, the Sponsor and the Affiliated Originators have, in the Agreements undertaken certain financial obligations, including, but not limited to, the payment of the Loan Purchase Price relating to the repurchase of defective Mortgage Loans, the payment of Su ...