8-K 1 ffm04fh3_nov.txt NOVEMBER 8K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 26, 2004 FIRST FRANKLIN MORTGAGE LOAN TRUST Asset Backed Certificates, Series 2004-FH3 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-111379-25 54-2161198 Pooling and Servicing Agreement) (Commission 54-2161199 (State or other File Number) 54-2161200 jurisdiction 54-2161201 of Incorporation) 54-2161202 IRS EIN c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events On November 26, 2004 a distribution was made to holders of FIRST FRANKLIN MORTGAGE LOAN TRUST, Asset Backed Certificates, Series 2004-FH3 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Certificates, Series 2004-FH3 Trust, relating to the November 26, 2004 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. FIRST FRANKLIN MORTGAGE LOAN TRUST Asset Backed Certificates, Series 2004-FH3 Trust (Registrant) By: Wells Fargo Bank, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 12/6/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Certificates, Series 2004-FH3 Trust, relating to the November 26, 2004 distribution. EX-99.1

First Franklin Mortgage Loan Trust Mortgage Pass-Through Certificates Record Date: 10/31/2004 Distribution Date: 11/26/2004 FFM Series: 2004-FH3 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-~~----------------------------------------------------------------------------------------------~~6660 ~~Class~~Certificateholder ~~Initial~~Distribution Summary Certificate ~~Principal~~Certificate Beginning Class Pass-~~through~~Through Certificate Interest Principal Class CUSIP Description Rate Balance ~~---------------------------------------------------------------------------------------------------~~Distribution ~~I-A1~~Distribution ~~$450~~R RES 0.00000% 0.00 0.00 0.00 IA1 32027NLL3 SEN 2.28250% 447,~~000~~036,~~000~~405.35 ~~Variable~~906,987.20 ~~---------------------------------------------------------------------------------------------------~~2,906,202.49 ~~I-A2~~IA2 $32027NMD0 SEN 2.48250% 50,000,000.00 ~~Variable~~110,333.33 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~II-A1~~IIA1 ~~$347~~32027NLM1 SEN 2.31250% 345,~~375~~065,~~000~~267.18 ~~Variable~~709,300.83 ~~---------------------------------------------------------------------------------------------------~~2,007,731.13 ~~II-A2~~IIA2 ~~$116~~32027NLN9 SEN 2.06250% 114,~~800~~490,~~000~~267.18 ~~Variable~~209,898.82 ~~---------------------------------------------------------------------------------------------------~~2,007,731.13 ~~II-A3~~IIA3 $32027NLP4 SEN 2.29250% 199,800,000.00 ~~Variable~~407,148.00 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~II-A4~~IIA4 $32027NLQ2 SEN 2.47250% 30,775,000.00 ~~Variable~~67,636.61 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~M-1~~M1 $32027NLR0 MEZ 2.51250% 71,250,000.00 ~~Variable~~159,125.00 ~~---------------------------------------------------------------------------------------------------~~0.00 M-M2 32027NLS8 MEZ 2.55250% $45,750,000.00 ~~Variable~~103,801.67 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~M-3~~M3 $32027NLT6 MEZ 2.63250% 26,250,000.00 ~~Variable~~61,425.00 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~M-4~~M4 $32027NLU3 MEZ 3.00250% 22,500,000.00 ~~Variable~~60,050.00 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~M-5~~M5 $32027NLV1 MEZ 3.08250% 22,500,000.00 ~~Variable~~61,650.00 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~M-6~~M6 $32027NLW9 MEZ 3.28250% 18,750,000.00 ~~Variable~~54,708.33 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~M-7~~M7 $32027NLX7 MEZ 3.73250% 18,750,000.00 ~~Variable~~62,208.33 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~M-8~~M8 $32027NLY5 MEZ 3.83250% 15,750,000.00 ~~Variable~~53,655.00 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~M-9~~M9 $32027NLZ2 MEZ 5.43250% 15,000,000.00 ~~Variable~~72,433.33 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~B-1~~B1 $32027NMA6 SUB 5.43250% 18,750,000.00 ~~Variable~~90,541.67 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~B-2~~B2 $32027NMB4 SUB 5.43250% 15,000,000.00 ~~Variable~~72,433.33 ~~---------------------------------------------------------------------------------------------------~~0.00 C ~~$14~~FFM04FH3C SEN 0.00000% 15,~~999~~000,~~900~~000.00 ~~N/A~~2,209,814.18 ~~---------------------------------------------------------------------------------------------------~~0.00 P $FFM04FH3P SEN 0.00000% 100.00 ~~N/A~~57,075.69 ~~---------------------------------------------------------------------------------------------------~~0.00 RRX ~~100~~RES 0.00000% ~~N/A~~0.00 ~~---------------------------------------------------------------------------------------------------~~0.00 ~~R-X~~0.00 ~~100%~~Totals ~~N/A~~1,492,417,039.71 ~~---------------------------------------------------------------------------------------------------~~5,530,226.32 6,921,664.75

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