Supplement dated February 2, 1998 to Prospectus Supplement dated
December 18, 1997 to Prospectus dated December 17, 1997
$638,186,669
(Approximate)
GE Capital Mortgage Services, Inc.
(Seller and Servicer)
REMIC Multi-Class Pass-Through Certificates, Series 1997-12
Principal and interest payable monthly, beginning January 26,
1998.
Notwithstanding anything to the contrary contained in
the accompanying Prospectus Supplement, the Class A4 and Class A5
Certificates (which are Book-Entry Certificates) may be held in
minimum denominations in Certificate Principal Balance of $1,000
and integral multiples thereof.
-----------------
Sales of the Class A4 and Class A5 Certificates may
not be consummated unless the purchaser has received both this
Supplement and the Prospectus Supplement and Prospectus.
