<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: Jul-00
Scheduled Principal Balance of Contracts
------------------------------------------------------------------------------------------------
Beginning Ending Scheduled
Principal Scheduled Prepaid Liquidated Loans Principal Gross Servicing
Balance Principal Principal Principal Repurchased Balance Interest Fee
---------------------------------------------------------------------------------------------------------------------------
286,379,574.61 (334,432.03) (1,052,947.77) 1,311,017.54) 0.00 283,681,177.27 2,498,743.79 238,649.65
===========================================================================================================================
Scheduled Amount
Pass Thru Pass-Through Available for Limited Total
Interest Proceeds Distribution Guarantee Distribution
-------------------------------------------------------------------------
2,260,094.14 831,441.47 4,717,565.06 0.00 4,717,565.06
=========================================================================
Certificate Account
--------------------------------------------------------------------------------------------------------------------------
Beginning Deposits Investment Ending
Balance Principal Interest Distributions Interest Balance
--------------------------------------------------------------------------------------------------------------------------
1,342,952.79 2,678,038.76 2,403,402.63 (5,399,960.31) 4,547.03 1,028,980.90
==========================================================================================================================
P&I Advances at Distribution Date
-----------------------------------------------------------------------------
Beginning Recovered Current Ending
Balance Advances Advances Balance
-----------------------------------------------------------------------------
3,178,691.53 -2,699,950.49 3,002,298.87 3,481,039.91
=============================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH:
Class B Crossover Test Test Met?
------------------------------------------------------------------- ---------------
(a) Remittance date on or after December 2003 N
(b) Average 60 day Delinquency rate <= 5.5% Y
(d) Cumulative losses do not exceed the following
percent of the intitial principal balance of all Certificates
Jan. 2004 - June 2005 7% N
July 2005 - June 2006 8% N
July 2006 - Dec. 2007 9.5% N
Dec 2007 and After 10.5% N
(e) Current realized loss ratio <= 3.00% Y
(f) Does Subordinated Certificate percentage
equal or exceed of Pool Scheduled Principal
Balance 40.251%
Beginning M balance 36,812,000.00
Beginning B-1 balance 16,004,000.00
Beginning B-2 balance 20,807,916.00
------------------------
73,623,916.00
------------------------
Divided by beginning pool
balance 286,379,574.61
25.709% N
Average 60 day delinquency ratio:
Over 60s Pool Balance %
--------------------------------------------------------
Current Mo 17,148,845.35 283,681,177.27 6.05%
1st Preceding Mo 15,431,200.66 286,379,574.61 5.39%
2nd Preceding Mo 14,007,262.45 289,250,614.51 4.84%
Divided by 3
-------------
5.43%
=============
Cumulative loss ratio:
Cumulative losses 2,541,891.51
------------------------
Divided by Initial Certificate Principal 320,093,916.00 0.794%
=============
Current realized loss ratio:
Liquidation Pool
Losses Balance
-------------------------------------------
Current Mo 479,576.07 286,379,574.61
1st Preceding Mo 379,277.71 289,250,614.51
2nd Preceding Mo 363,887.41 291,660,627.91
-------------------------------------------
1,222,741.19 289,096,939.01 1.692%
=============
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: Jul-00
Delinquency Analysis
31 to 59 days 60 to 89 days 90 days and Over Total Delinq.
No. of Principal Principal Principal Principal Principal
Loans Balance # Balance # Balance # Balance # Balance
-------------------------------------------------------------------------------------------------------------------
Excluding Repos 6,464 274,844,291.09 223 8,326,831.94 77 2,926,257.65 132 5,512,836.04 432 16,765,925.63
Repos 240 8,836,886.18 4 127,134.52 16 550,369.03 220 8,159,382.63 240 8,836,886.18
-------------------------------------------------------------------------------------------------------------------
Total 6,704 283,681,177.27 227 8,453,966.46 93 3,476,626.68 352 13,672,218.67 672 25,602,811.81
===================================================================================================================
10.0% 9.03%
========================
Repossession Analysis
Active Repos Reversal Current Month
Outstanding (Redemption) Repos Cumulative Repos
Principal Principal Principal Principal
# Balance # Balance # Balance # Balance
-------------------------------------------------------------------------------------
240 8,836,886.18 0 0.00 60 2,175,150.75 528 18,131,153.53
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: Jul-00
REPOSSESSION LIQUIDATION REPORT
Liquidated Net
Account Customer Principal Sales Insur. Total Repossession Liquidation
Number Name Balance Proceeds Refunds Proceeds Expenses Proceeds
-----------------------------------------------------------------------------------------------------------------------------------
1869759 DARRELL A PRITCHARD 59,686.96 49,750.00 1,085.87 50,835.87 11,107.50 39,728.37
1876044 JOSEPH H PERRIGAN 70,382.26 63,250.00 1,415.67 64,665.67 11,512.50 53,153.17
1930221 KEVIN D HAMILTON 46,622.53 41,750.00 1,999.40 43,749.40 10,867.50 32,881.90
1839711 JAMES O ROMANS 26,793.27 25,900.00 883.78 26,783.78 6,627.00 20,156.78
1840818 KELVIN J FORD JR 19,172.80 10,320.00 0.00 10,320.00 1,100.00 9,220.00
1853902 JEREMY A BLACK 26,667.29 12,500.00 0.00 12,500.00 1,100.00 11,400.00
1856400 DANIEL J NELSON 48,547.14 40,650.00 897.70 41,547.70 10,834.50 30,713.20
1862317 BETTY L SALEKER 26,611.88 26,161.48 1,472.09 27,633.57 6,634.84 20,998.73
1869627 TAMMIE M ELSWICK 29,216.71 26,000.00 1,187.90 27,187.90 6,630.00 20,557.90
1875475 JOHN BAUGHMAN 36,493.89 28,900.00 0.00 28,900.00 6,717.00 22,183.00
1878420 ARLENDIA T HUDSON 13,660.02 15,000.00 0.00 15,000.00 6,300.00 8,700.00
1881648 JUSTIN R GREEN 51,092.33 52,650.00 0.00 52,650.00 11,194.50 41,455.50
1882489 IDA M HIGUERA 33,373.06 26,500.00 0.00 26,500.00 6,645.00 19,855.00
1886100 KEVIN T FLEMING 53,128.38 50,750.00 1,041.91 51,791.91 11,137.50 40,654.41
1894864 TONJA CLEMONS 22,130.37 22,400.00 455.17 22,855.17 6,522.00 16,333.17
1900471 BRIAN K MOORE 26,723.70 25,500.00 672.82 26,172.82 6,615.00 19,557.82
1911791 ALICE R FRANZEN 36,066.56 13,575.59 0.00 13,575.59 1,100.00 12,475.59
1913656 DANIEL HALVORSON 33,066.27 36,400.00 2,706.72 39,106.72 6,942.00 32,164.72
1914225 MELISSA D SHEETS 15,451.39 15,900.00 0.00 15,900.00 6,327.00 9,573.00
1918440 ONEAL R GURDON 26,227.89 28,500.00 46.49 28,546.49 6,705.00 21,841.49
1924414 SHIRLEY W LANCASTER 40,660.76 34,900.00 2,273.26 37,173.26 6,897.00 30,276.26
1927011 DAVID L PILGRIM 26,190.37 26,950.26 864.59 27,814.85 6,658.51 21,156.34
1927268 GUDELIA B MARLATT 28,708.03 28,500.00 2,375.17 30,875.17 6,705.00 24,170.17
1931211 ANTHONY M SHANK 35,415.51 37,482.37 372.00 37,854.37 6,974.47 30,879.90
1931658 SUSAN A MEJIA 30,905.29 33,400.00 1,136.79 34,536.79 6,852.00 27,684.79
1932581 HEATHER R CLARK 29,973.61 25,500.00 378.72 25,878.72 6,615.00 19,263.72
1943422 STEPHEN W ALLEN 42,500.74 34,900.00 1,752.15 36,652.15 6,897.00 29,755.15
1946011 CASEY M MARTIN 36,217.26 34,000.00 0.00 34,000.00 6,870.00 27,130.00
1946029 LARRY T SANTOS 72,377.13 61,888.00 0.00 61,888.00 2,450.00 59,438.00
1949411 MARY L GOSS 21,600.45 24,000.00 37.95 24,037.95 6,570.00 17,467.95
1949577 YOLONDA V GALLOWAY 26,477.53 30,500.00 0.00 30,500.00 6,765.00 23,735.00
1953744 PAMELA J BERRY 31,834.61 28,000.00 379.68 28,379.68 6,690.00 21,689.68
1955582 KEVIN PROCTOR 25,899.70 24,900.00 913.44 25,813.44 6,597.00 19,216.44
1955707 ROY E RIGGAN 33,542.42 30,400.00 626.40 31,026.40 6,762.00 24,264.40
1962133 MICHAEL T VADEN 39,122.14 34,400.00 0.00 34,400.00 6,882.00 27,518.00
*1963347 MICHAEL S BROWN 52,003.38 49,742.71 0.00 49,742.71 0.00 49,742.71
*1861889 GARY L AUSTIN 36,473.91 36,774.77 0.00 36,774.77 0.00 36,774.77
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
Net Current
Account Customer Unrecov. FHA Insurance Pass Thru Period Net Cumulative
Number Name Advances Coverage Proceeds Gain/(Loss) Gain/(Loss)
---------------------------------------------------------------------------------------------------------------------
1869759 DARRELL A PRITCHARD 3,979.75 0.00 35,748.62 (23,938.34)
1876044 JOSEPH H PERRIGAN 4,953.32 0.00 48,199.85 (22,182.41)
1930221 KEVIN D HAMILTON 3,687.86 0.00 29,194.04 (17,428.49)
1839711 JAMES O ROMANS 3,189.22 0.00 16,967.56 (9,825.71)
1840818 KELVIN J FORD JR 3,538.39 0.00 5,681.61 (13,491.19)
1853902 JEREMY A BLACK 5,083.24 0.00 6,316.76 (20,350.53)
1856400 DANIEL J NELSON 5,324.15 0.00 25,389.05 (23,158.09)
1862317 BETTY L SALEKER 3,068.24 0.00 17,930.49 (8,681.39)
1869627 TAMMIE M ELSWICK 1,905.76 0.00 18,652.14 (10,564.57)
1875475 JOHN BAUGHMAN 5,597.05 0.00 16,585.95 (19,907.94)
1878420 ARLENDIA T HUDSON 1,275.49 0.00 7,424.51 (6,235.51)
1881648 JUSTIN R GREEN 7,714.68 0.00 33,740.82 (17,351.51)
1882489 IDA M HIGUERA 3,311.91 0.00 16,543.09 (16,829.97)
1886100 KEVIN T FLEMING 9,016.21 0.00 31,638.20 (21,490.18)
1894864 TONJA CLEMONS 3,086.00 0.00 13,247.17 (8,883.20)
1900471 BRIAN K MOORE 1,877.53 0.00 17,680.29 (9,043.41)
1911791 ALICE R FRANZEN 2,781.08 0.00 9,694.51 (26,372.05)
1913656 DANIEL HALVORSON 4,476.94 0.00 27,687.78 (5,378.49)
1914225 MELISSA D SHEETS 1,417.89 0.00 8,155.11 (7,296.28)
1918440 ONEAL R GURDON 3,172.96 0.00 18,668.53 (7,559.36)
1924414 SHIRLEY W LANCASTER 3,846.58 0.00 26,429.68 (14,231.08)
1927011 DAVID L PILGRIM 4,139.23 0.00 17,017.11 (9,173.26)
1927268 GUDELIA B MARLATT 4,201.07 0.00 19,969.10 (8,738.93)
1931211 ANTHONY M SHANK 4,926.38 0.00 25,953.52 (9,461.99)
1931658 SUSAN A MEJIA 3,431.78 0.00 24,253.01 (6,652.28)
1932581 HEATHER R CLARK 5,499.04 0.00 13,764.68 (16,208.93)
1943422 STEPHEN W ALLEN 2,937.53 0.00 26,817.62 (15,683.12)
1946011 CASEY M MARTIN 5,119.42 0.00 22,010.58 (14,206.68)
1946029 LARRY T SANTOS 6,455.05 0.00 52,982.95 (19,394.18)
1949411 MARY L GOSS 2,852.52 0.00 14,615.43 (6,985.02)
1949577 YOLONDA V GALLOWAY 1,830.07 0.00 21,904.93 (4,572.60)
1953744 PAMELA J BERRY 1,694.72 0.00 19,994.96 (11,839.65)
1955582 KEVIN PROCTOR 6,414.03 0.00 12,802.41 (13,097.29)
1955707 ROY E RIGGAN 1,953.66 0.00 22,310.74 (11,231.68)
1962133 MICHAEL T VADEN 4,757.39 0.00 22,760.61 (16,361.53)
*1963347 MICHAEL S BROWN 2,421.86 0.00 47,320.85 (4,682.53)
*1861889 GARY L AUSTIN 1,387.56 0.00 35,387.21 (1,086.70)
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: Jul-00
REPOSSESSION LIQUIDATION REPORT
Liquidated Net
Account Customer Principal Sales Insur. Total Repossession Liquidation
FHA? Number Name Balance Proceeds Refunds Proceeds Expenses Proceeds
-------------------------------------------------------------------------------------------------------------------------------
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
---------------------------------------------------------------------------------------------------
1,311,017.54 1,188,595.18 24,975.67 1,213,570.85 239,803.82 973,767.03
===================================================================================================
*Chargeoff
Net Current
Unrecov. FHA Insurance Pass Thru Period Net Cumulative
Advances Coverage Proceeds Gain/(Loss) Gain/(Loss)
-----------------------------------------------------------------------------------------
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
--------------------------------------------------------------------------------------------
142,325.56 0.00 831,441.47 (479,576.07) (2,541,891.51)
============================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: Jul-00
CERTIFICATE PRINCIPAL ANALYSIS
PRINCIPAL
Original Beginning Beginning Principal Current Current
Cert. Certificate Certificate Shortfall Carry- Principal Principal
Class Balances Balances Over Due Paid
------------------------------------------------------------------------------------------------------------------------------------
Senior Certificates
A-1 72,200,000.00 38,485,658.61 0.00 2,698,397.34 2,698,397.34
A-2 174,270,000.00 174,270,000.00 0.00 0.00 0.00
------------------------------------------------------------------------------------------
Total Certificate Principal Bal. 246,470,000.00 212,755,658.61 0.00 2,698,397.34 2,698,397.34
==========================================================================================
Original Beginning Beginning Principal Current Current
Subordinate Certificates Certificate Certificate Shortfall Carry- Principal Principal
Balances Balances Over Due Paid
------------------------------------------------------------------------------------------
M-1 20,808,000.00 20,808,000.00 0.00 0.00 0.00
M-1 Outstanding Writedown 0.00 0.00
M-2 16,004,000.00 16,004,000.00 0.00 0.00 0.00
M-1 Outstanding Writedown 0.00 0.00
B-1 16,004,000.00 16,004,000.00 0.00 0.00 0.00
B-1 Outstanding Writedown 0.00 0.00
B-2 20,807,916.00 20,807,916.00 0.00 0.00 0.00
B-2 Outstanding Writedown 0.00 0.00
------------------------------------------------------------------------------------------
Total Excluding Writedown Bal. 73,623,916.00 73,623,916.00 0.00 0.00 0.00
==========================================================================================
All Certificates Excluding Writedown Bal. 320,093,916.00 286,379,574.61 0.00 2,698,397.34 2,698,397.34
==========================================================================================
Ending Principal Ending Principal Paid
Cert. Shortfall Carry- Certificate Pool Per $1,000
Class Over Balances Factor Denomination
---------------------------------------------------------------------------------------------------------------
Senior Certificates
A-1 0.00 35,787,261.27 49.56684% 37.373924
A-2 0.00 174,270,000.00 100.00000% 0.000000
----------------------------------
Total Certificate Principal Bal. 0.00 210,057,261.27
=====================================================================
Ending Principal Current Ending Principal Paid
Subordinate Certificates Shortfall Carry- Writedown/ Certificate Pool Per $1,000
Over (Writeup) Balances Factor Denomination
-------------------------------------------------------------------------------------
M-1 0.00 0.00 20,808,000.00 100.00000% 0.000000
M-1 Outstanding Writedown 0.00
M-2 0.00 0.00 16,004,000.00 100.00000% 0.000000
M-1 Outstanding Writedown 0.00
B-1 0.00 0.00 16,004,000.00 100.00000% 0.000000
B-1 Outstanding Writedown 0.00
B-2 0.00 0.00 20,807,916.00 100.00000% 0.000000
B-2 Outstanding Writedown 0.00
-----------------------------------------------------
Total Excluding Writedown Bal. 0.00 0.00 73,623,916.00
=====================================================
All Certificates Excluding Writedown Bal. 0.00 0.00 283,681,177.27
=====================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: Jul-00
CERTIFICATE INTEREST ANALYSIS
Beginning Carry- Current Carry-
Senior Pass-Through Over Priority Current Priority Over Priority Ending Carry-
Certificates Rate Interest Balance Interest Accrual Interest Accrual Paid Over Balance
-----------------------------------------------------------------------------------------------------------------
A-1 6.80625% 0.00 225,562.04 0.00 225,562.04 0.00
A-2 7.47500% 0.00 1,085,556.88 0.00 1,085,556.88 0.00
----------------------------------------------------------------------------------------------------
====================================================================================================
Total 0.00 1,311,118.92 0.00 1,311,118.92 0.00
====================================================================================================
Beginning Carry- Current Carry- Priority Ending Carry-
Subordinate Pass-Through Over Priority Current Priority Over Priority Interest Over Priority
Certificates Rate Interest Balance Interest Accrual Interest Accrual Paid Interest Balance
-----------------------------------------------------------------------------------------------------------------
M-1 8.07000% 0.00 139,933.80 0.00 139,933.80 0.00
M-2 8.75000% 0.00 116,695.83 0.00 116,695.83 0.00
B-1 6.90000% 0.00 92,023.00 0.00 92,023.00 0.00
B-2 6.90000% 0.00 119,645.52 0.00 119,645.52 0.00
Limited Guarantee 0.00
Service Fee 0.00 238,649.65 0.00 238,649.65 0.00
X 2,062,315.44 480,677.07 0.00 1,101.00 2,541,891.51
R 0.00 0.00 0.00 0.00 0.00
-----------------------------------------------------------------------------------------------------
Total 2,062,315.44 1,187,624.87 0.00 708,048.80 2,541,891.51
=====================================================================================================
All Certificates 2,062,315.44 2,498,743.79 0.00 2,019,167.72 2,541,891.51
=====================================================================================================
Interest Paid
Senior Per $1,000 Total Class
Certificates Denomination Distribution
---------------------------------
A-1 3.12413 2,923,959.38
A-2 6.22917 1,085,556.88
--------------------
====================
Total 4,009,516.26
====================
Beginning Carry Current Writedown Current Carry- Ending Carry- Interest Paid
Subordinate Over Writedown Interest Over Writedown Writedown Over Writedown Per $1,000 Total Class
Certificates Interest Balance Accrued Interest Accrued Interest Paid Interest Balance Denomination Distribution
------------------------------------------------------------------------------------------------------------------
M-1 0.00 0.00 0.00 0.00 0.00 6.72500 139,933.80
M-2 0.00 0.00 0.00 0.00 0.00 7.29167 116,695.83
B-1 0.00 0.00 0.00 0.00 0.00 5.75000 92,023.00
B-2 0.00 0.00 0.00 0.00 0.00 5.75000 119,645.52
Limited Guarantee 0.00
Service Fee 238,649.65
X 1,101.00
R 0.00
-------------------------------------------------------------------------------------
--------------
Total 0.00 0.00 0.00 0.00 0.00 708,048.80
===================================================================================== ==============
All Certificates 0.00 0.00 0.00 0.00 0.00 4,717,565.06
===================================================================================== ==============
</TABLE>
