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Exhibit 23.1
Consent of Independent Accountants
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We consent to the incorporation by reference in the Prospectus Supplement of
First Horizon Mortgage Pass-Through Trust 2000-3 relating to Mortgage Pass-
Through Certificates, Series 2000-3, of our report dated January 25, 2000,
except for Note 18, as to which the date is March 14, 2000, on our audits of the
consolidated financial statements of Financial Security Assurance Inc. and
Subsidiaries as of December 31, 1999 and 1998, and for each of the three years
in the period ended December 31, 1999. We also consent to the reference to our
Firm under the caption "Experts".
By: /s/ PricewaterhouseCoopers LLP
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PricewaterhouseCoopers LLP
July 20, 2000
