Guaranty To The Trust

June 3, 1999


Advanta Mortgage Loan Trust 1999-2 (the "Trust") c/o Bankers Trust Company of California, N.A. Three Park Plaza 16th Floor Irvine, California 92714


Ambac Assurance Corporation One State Street Plaza New York, New York 10004


Re: Pooling and Servicing Agreement dated as of May 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 May 1, 1999
(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")
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Ladies and Gentlemen:


Pursuant to the Pooling and Servicing Agreement and the 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 non-qualifying Mortgage Loans, the payment of Substitution Amounts in connect ...