8-K 1 hbv04007_dec.txt DECEMBER 8-K 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): December 20, 2004 HARBORVIEW MORTGAGE LOAN TRUST Mortgage Loan Pass-Through Certificates, Series 2004-7 Trust (Exact name of registrant as specified in its charter) Delaware (governing law of 333-111379-28 54-2162591 Pooling and Servicing Agreement) (Commission 54-2162592 (State or other File Number) 54-6643075 jurisdiction IRS EIN of Incorporation) 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 December 20, 2004 a distribution was made to holders of HARBORVIEW MORTGAGE LOAN TRUST, Mortgage Loan Pass-Through Certificates, Series 2004-7 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Loan Pass-Through Certificates, Series 2004-7 Trust, relating to the December 20, 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. HARBORVIEW MORTGAGE LOAN TRUST Mortgage Loan Pass-Through Certificates, Series 2004-7 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 12/20/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Loan Pass-Through Certificates, Series 2004-7 Trust, relating to the December 20, 2004 distribution. EX-99.1

~~McKee~~HarborView ~~Nelson~~Mortgage ~~LLP 5~~Loan ~~Times~~Trust ~~Square~~Mortgage Loan Pass-Through Certificates Record Date: 11/30/2004 Distribution Date: 12/20/2004 HarborView Mortgage Loan Trust Mortgage Loan Pass-Through Certificates Series 2004-7 Contact: Customer Service - CTSLink Wells Fargo Bank, ~~35th~~N.A. ~~Floor~~ Securities Administration Services 7485 New ~~York~~Horizon Way Frederick, ~~New~~MD ~~York~~21703 ~~10036~~Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution 1-A 41161PGF4 SEN 3.52621% 44,194,649.55 129,866.42 9,645.31 2-A-1 41161PGG2 SEN 3.49045% 129,553,086.26 376,832.10 4,248,535.49 2-A-2 41161PGH0 SEN 3.85045% 95,314,056.32 305,834.98 3,125,708.25 2-A-3 41161PGJ6 SEN 4.51045% 89,074,224.46 334,804.00 2,921,080.58 3-A-1 41161PGK3 SEN 4.70183% 118,593,706.15 464,672.59 5,035,394.07 3-A-2 41161PGL1 SEN 4.79183% 13,176,557.03 52,616.49 559,466.09 4-A 41161PGM9 SEN 5.51001% 107,309,954.98 492,732.72 2,419,152.94 X-1 41161PGN7 SEN 1.35130% 0.00 353,523.85 0.00 X-2 41161PGP2 SEN 0.58100% 0.00 63,798.80 0.00 B-1 41161PGR8 SUB 5.17321% 16,717,292.67 72,068.36 2,377.82 B-2 41161PGS6 SUB 5.17321% 11,940,637.70 51,476.17 1,698.40 B-3 41161PGT4 SUB 5.17321% 5,798,367.27 24,996.80 824.74 B-4 41161PGU1 SUB 5.17321% 5,115,559.54 22,053.21 727.62 B-5 41161PGV9 SUB 5.17321% 4,092,847.52 17,644.29 582.15 B-6 41161PGW7 SUB 5.17321% 2,741,675.26 11,819.38 389.97 P 41161PGX5 PPAY 0.00000% 0.00 0.00 0.00 A-R 41161PGQ0 SEN 3.35533% 0.00 0.69 0.00 Totals 643,622,614.71 2,774,740.85 18,325,583.43

~~917~~Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-~~777~~A 0.00 44,185,004.24 139,511.73 0.00 2-~~4322~~A-1 0.00 125,304,550.77 4,625,367.59 0.00 2-A-2 0.00 92,188,348.06 3,431,543.23 0.00 2-A-3 0.00 86,153,143.88 3,255,884.58 0.00 3-A-1 0.00 113,558,312.07 5,500,066.66 0.00 3-A-2 0.00 12,617,090.94 612,082.58 0.00 4-A 0.00 104,890,802.03 2,911,885.66 0.00 X-1 0.00 0.00 353,523.85 0.00 X-2 0.00 0.00 63,798.80 0.00 B-1 0.00 16,714,914.85 74,446.18 0.00 B-2 0.00 11,938,939.30 53,174.57 0.00 B-3 0.00 5,797,542.53 25,821.54 0.00 B-4 0.00 5,114,831.92 22,780.83 0.00 B-5 0.00 4,092,265.36 18,226.44 0.00 B-6 0.00 2,741,285.29 12,209.35 0.00 P 0.00 0.00 0.00 0.00 A-R 0.00 0.00 0.69 0.00 Totals 0.00 625,297,031.24 21,100,324.28 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

~~December~~Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) 1-A 46,451,000.00 44,194,649.55 0.00 9,645.31 0.00 0.00 2-A-1 140,000,000.00 129,553,086.26 18,660.55 4,229,874.94 0.00 0.00 2-A-2 103,000,000.00 95,314,056.32 13,728.83 3,111,979.42 0.00 0.00 2-A-3 96,257,000.00 89,074,224.46 12,830.06 2,908,250.52 0.00 0.00 3-A-1 126,356,000.00 118,593,706.15 18,461.95 5,016,932.13 0.00 0.00 3-A-2 14,039,000.00 13,176,557.03 2,051.25 557,414.84 0.00 0.00 4-A 110,080,000.00 107,309,954.98 19,272.85 2,399,880.09 0.00 0.00 X-1 0.00 0.00 0.00 0.00 0.00 0.00 X-2 0.00 0.00 0.00 0.00 0.00 0.00 B-1 16,722,000.00 16,717,292.67 2,377.82 0.00 0.00 0.00 B-2 11,944,000.00 11,940,637.70 1,698.40 0.00 0.00 0.00 B-3 5,800,000.00 5,798,367.27 824.74 0.00 0.00 0.00 B-4 5,117,000.00 5,115,559.54 727.62 0.00 0.00 0.00 B-5 4,094,000.00 4,092,847.52 582.15 0.00 0.00 0.00 B-6 2,742,447.00 ~~2004~~2,741,675.26 389.97 0.00 0.00 0.00 P 0.00 0.00 0.00 0.00 0.00 0.00 A-R 100.00 0.00 0.00 0.00 0.00 0.00 Totals 682,602,547.00 643,622,614.71 91,606.19 18,233,977.25 0.00 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~VIA~~Principal ~~EDGAR~~Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution 1-A 9,645.31 44,185,004.24 0.95121750 9,645.31 2-A-1 4,248,535.49 125,304,550.77 0.89503251 4,248,535.49 2-A-2 3,125,708.25 92,188,348.06 0.89503251 3,125,708.25 2-A-3 2,921,080.58 86,153,143.88 0.89503251 2,921,080.58 3-A-1 5,035,394.07 113,558,312.07 0.89871721 5,035,394.07 3-A-2 559,466.09 12,617,090.94 0.89871721 559,466.09 4-A 2,419,152.94 104,890,802.03 0.95285976 2,419,152.94 X-1 0.00 0.00 0.00000000 0.00 X-2 0.00 0.00 0.00000000 0.00 B-1 2,377.82 16,714,914.85 0.99957630 2,377.82 B-2 1,698.40 11,938,939.30 0.99957630 1,698.40 B-3 824.74 5,797,542.53 0.99957630 824.74 B-4 727.62 5,114,831.92 0.99957630 727.62 B-5 582.15 4,092,265.36 0.99957630 582.15 B-6 389.97 2,741,285.29 0.99957640 389.97 P 0.00 0.00 0.00000000 0.00 A-R 0.00 0.00 0.00000000 0.00 Totals 18,325,583.43 625,297,031.24 0.91604849 18,325,583.43

~~Securities~~Principal ~~and~~Distribution ~~Exchange~~Factors ~~Commission 450~~Statement ~~Fifth~~Original ~~Street~~Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A 46,451,000.00 N951.W42514801 0. ~~Judiciary~~00000000 ~~Plaza Washington~~0.20764483 0.00000000 2-A-1 140,000,000.00 D925.C37918757 0.13328964 ~~20549~~30.21339243 0.00000000 2-A-2 103,000,000.00 925.37918757 0.13328961 30.21339243 0.00000000 2-A-3 96,257,000.00 925.37918759 0.13328963 30.21339248 0.00000000 3-A-1 126,356,000.00 938.56806285 0.14611059 39.70474002 0.00000000 3-A-2 14,039,000.00 938.56806254 0.14611083 39.70473965 0.00000000 4-A 110,080,000.00 974.83607358 0.17508040 21.80123628 0.00000000 X-1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 X-2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 B-1 16,722,000.00 999.71849480 0.14219711 0.00000000 0.00000000 B-2 11,944,000.00 999.71849464 0.14219692 0.00000000 0.00000000 B-3 5,800,000.00 999.71849483 0.14219655 0.00000000 0.00000000 B-4 5,117,000.00 999.71849521 0.14219660 0.00000000 0.00000000 B-5 4,094,000.00 999.71849536 0.14219590 0.00000000 0.00000000 B-6 2,742,447.00 999.71859438 0.14219783 0.00000000 0.00000000 P 0.00 0.00000000 0.00000000 0.00000000 0.00000000 A-R 100.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are per $1,000 denomination

~~Re:~~Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution 1-A 0.00000000 0.20764483 951.21750318 0.95121750 0.20764483 2-A-1 0.00000000 30.34668207 895.03250550 0.89503251 30.34668207 2-A-2 0.00000000 30.34668204 895.03250544 0.89503251 30.34668204 2-A-3 0.00000000 30.34668211 895.03250548 0.89503251 30.34668211 3-A-1 0.00000000 39.85085053 898.71721224 0.89871721 39.85085053 3-A-2 0.00000000 39.85085049 898.71721205 0.89871721 39.85085049 4-A 0.00000000 21.97631668 952.85975681 0.95285976 21.97631668 X-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 0.14219711 999.57629769 0.99957630 0.14219711 B-2 0.00000000 0.14219692 999.57629772 0.99957630 0.14219692 B-3 0.00000000 0.14219655 999.57629828 0.99957630 0.14219655 B-4 0.00000000 0.14219660 999.57629861 0.99957630 0.14219660 B-5 0.00000000 0.14219590 999.57629702 0.99957630 0.14219590 B-6 0.00000000 0.14219783 999.57639655 0.99957640 0.14219783 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Greenwich~~Interest ~~Capital~~Distribution ~~Acceptance~~Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall 1-A 46,451,000.00 ~~Inc~~3.52621% 44,194,649.55 129,866.42 0.00 0.00 2-A-1 140,000,000.00 3.49045% 129,553,086.26 376,832.10 0.00 0.00 2-A-2 103,000,000.00 3.85045% 95,314,056.32 305,834.98 0.00 0.00 2-A-3 96,257,000.00 4.51045% 89,074,224.46 334,804.00 0.00 0.00 3-A-1 126,356,000.00 4.70183% 118,593,706.15 464,672.59 0.00 0.00 3-A-2 14,039,000.00 4.79183% 13,176,557.03 52,616.49 0.00 0.00 4-A 110,080,000.00 5.51001% 107,309,954.98 492,732.72 0.00 0.00 X-1 0.00 1.35130% 313,941,367.03 353,523.85 0.00 0.00 X-2 0.00 0.58100% 131,770,263.18 63,798.80 0.00 0.00 B-1 16,722,000.00 5.17321% 16,717,292.67 72,068.36 0.00 0.00 B-2 11,944,000.00 5.17321% 11,940,637.70 51,476.17 0.00 0.00 B-3 5,800,000.00 5.17321% 5,798,367.27 24,996.80 0.00 0.00 B-4 5,117,000.00 5.17321% 5,115,559.54 22,053.21 0.00 0.00 B-5 4,094,000.00 5.17321% 4,092,847.52 17,644.29 0.00 0.00 B-6 2,742,447.00 5.17321% 2,741,675.26 11,819.38 0.00 0.00 P 0.00 0.00000% 0.00 0.00 0.00 0.00 A-R 100.00 3.35533% 0.00 0.00 0.00 0.00 Totals 682,602,547.00 2,774,740.16 0.00 0.00

~~HarborView~~Interest ~~Mortgage~~Distribution ~~Loan~~Statement ~~Trust~~(continued) ~~2004~~Remaining Ending Non-7Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance 1-A 0.00 0.00 129,866.42 0.00 44,185,004.24 2-A-1 0.00 0.00 376,832.10 0.00 125,304,550.77 2-A-2 0.00 0.00 305,834.98 0.00 92,188,348.06 2-A-3 0.00 0.00 334,804.00 0.00 86,153,143.88 3-A-1 0.00 0.00 464,672.59 0.00 113,558,312.07 3-A-2 0.00 0.00 52,616.49 0.00 12,617,090.94 4-A 0.00 0.00 492,732.72 0.00 104,890,802.03 X-1 0.00 0.00 353,523.85 0.00 303,646,042.71 X-2 0.00 0.00 63,798.80 0.00 126,175,403.02 B-1 0.00 0.00 72,068.36 0.00 16,714,914.85 B-2 0.00 0.00 51,476.17 0.00 11,938,939.30 B-3 0.00 0.00 24,996.80 0.00 5,797,542.53 B-4 0.00 0.00 22,053.21 0.00 5,114,831.92 B-5 0.00 0.00 17,644.29 0.00 4,092,265.36 B-6 0.00 0.00 11,819.38 0.00 2,741,285.29 P 0.00 0.00 0.00 0.00 0.00 A-R 0.00 0.00 0.69 0.00 0.00 Totals 0.00 0.00 2,774,740.85 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Mortgage~~Interest ~~Pass~~Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall 1-~~Through~~A ~~Certificates~~46,451,000.00 ~~Series~~3.52621% ~~2004~~951.42514801 2.79577232 0.00000000 0.00000000 2-7A-1 140,000,000.00 3.49045% 925.37918757 2.69165786 0.00000000 0.00000000 2-A-2 103,000,000.00 3.85045% 925.37918757 2.96927165 0.00000000 0.00000000 2-A-3 96,257,000.00 4.51045% 925.37918759 3.47823015 0.00000000 0.00000000 3-A-1 126,356,000.00 4.70183% 938.56806285 3.67748734 0.00000000 0.00000000 3-A-2 14,039,000.00 4.79183% 938.56806254 3.74788019 0.00000000 0.00000000 4-A 110,080,000.00 5.51001% 974.83607358 4.47613299 0.00000000 0.00000000 X-1 0.00 1.35130% 925.37918755 1.04205322 0.00000000 0.00000000 X-2 0.00 0.58100% 938.56806282 0.45442359 0.00000000 0.00000000 B-1 16,722,000.00 5.17321% 999.71849480 4.30979309 0.00000000 0.00000000 B-2 11,944,000.00 5.17321% 999.71849464 4.30979320 0.00000000 0.00000000 B-3 5,800,000.00 5.17321% 999.71849483 4.30979310 0.00000000 0.00000000 B-4 5,117,000.00 5.17321% 999.71849521 4.30979285 0.00000000 0.00000000 B-5 4,094,000.00 5.17321% 999.71849536 4.30979238 0.00000000 0.00000000 B-6 2,742,447.00 5.17321% 999.71859438 4.30979341 0.00000000 0.00000000 P 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 A-R 100.00 3.35533% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes are per $1,000 denomination

~~Current~~Interest ~~Report~~Distribution onFactors ~~Form~~Statement 8(continued) Remaining Ending Non-K Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance 1-A 0.00000000 0.00000000 2.79577232 0.00000000 951.21750318 2-A-1 0.00000000 0.00000000 2.69165786 0.00000000 895.03250550 2-A-2 0.00000000 0.00000000 2.96927165 0.00000000 895.03250544 2-A-3 0.00000000 0.00000000 3.47823015 0.00000000 895.03250548 3-A-1 0.00000000 0.00000000 3.67748734 0.00000000 898.71721224 3-A-2 0.00000000 0.00000000 3.74788019 0.00000000 898.71721205 4-A 0.00000000 0.00000000 4.47613299 0.00000000 952.85975681 X-1 0.00000000 0.00000000 1.04205322 0.00000000 895.03250548 X-2 0.00000000 0.00000000 0.45442359 0.00000000 898.71721229 B-1 0.00000000 0.00000000 4.30979309 0.00000000 999.57629769 B-2 0.00000000 0.00000000 4.30979320 0.00000000 999.57629772 B-3 0.00000000 0.00000000 4.30979310 0.00000000 999.57629828 B-4 0.00000000 0.00000000 4.30979285 0.00000000 999.57629861 B-5 0.00000000 0.00000000 4.30979238 0.00000000 999.57629702 B-6 0.00000000 0.00000000 4.30979341 0.00000000 999.57639655 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A-R 0.00000000 0.00000000 6.90000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Ladies~~CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and ~~Gentlemen:~~Principal 21,237,889.47 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 32,816.96 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 21,270,706.43 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 170,382.15 Payment of Interest and Principal 21,100,324.28 Total Withdrawals (Pool Distribution Amount) 21,270,706.43 Ending Balance 0.00

OnPREPAYMENT/CURTAILMENT ~~behalf~~INTEREST ofSHORTFALL ~~Greenwich~~Total ~~Capital~~Prepayment/Curtailment ~~Acceptance,~~Interest ~~Inc~~Shortfall 0.00 ~~and~~Servicing ~~HarborView~~Fee ~~Mortgage~~Support ~~Loan~~0.00 ~~Trust 2004~~Non-7Supported wePrepayment/Curtailment ~~transmit~~Interest ~~herewith~~Shortfall ~~for filing under the Securities Act of 1934, as amended, a Current Report on Form 8-K dated, including the exhibits thereto~~0.00

IfSERVICING ~~you~~FEES ~~have~~Gross ~~any~~Servicing ~~question~~Fee ~~concerning~~165,018.63 ~~the~~Master ~~transmitted~~Servicing ~~materials~~Fee 5,363.52 ~~please~~Supported doPrepayment/Curtailment ~~not~~Interest ~~hesitate~~Shortfall to0.00 ~~contact~~Net ~~the~~Servicing ~~undersigned~~Fee ~~at (917) 777-4337~~170,382.15

~~Please~~LOAN ~~acknowledge~~STATUS ~~receipt~~STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of ~~this~~Loans ~~transmission~~No byof ~~notifying~~Loans ~~the~~No ~~person~~of ~~indicated~~Loans inNo ~~the~~of ~~“Notify”~~Loans ~~line~~No inof ~~the~~Loans ~~submission~~Principal ~~header~~Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 20 0 0 0 20 6,939,308.42 0.00 0.00 0.00 6,939,308.42 60 Days 1 0 0 0 1 557,817.00 0.00 0.00 0.00 557,817.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 21 0 0 0 21 7,497,125.42 0.00 0.00 0.00 7,497,125.42 No of ~~the~~Loans ~~above~~No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-~~referenced~~29 ~~filing~~Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.066098% 0.000000% 0.000000% 0.000000% 1.066098% 1.109646% 0.000000% 0.000000% 0.000000% 1.109646% 60 Days 0.053305% 0.000000% 0.000000% 0.000000% 0.053305% 0.089199% 0.000000% 0.000000% 0.000000% 0.089199% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.119403% 0.000000% 0.000000% 0.000000% 1.119403% 1.198845% 0.000000% 0.000000% 0.000000% 1.198845%

~~Sincerely~~Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 2 0 0 0 2 617,282.81 0.00 0.00 0.00 617,282.81 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 2 0 0 0 2 617,282.81 0.00 0.00 0.00 617,282.81 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.801802% 0.000000% 0.000000% 0.000000% 1.801802% 1.297498% 0.000000% 0.000000% 0.000000% 1.297498% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.801802% 0.000000% 0.000000% 0.000000% 1.801802% 1.297498% 0.000000% 0.000000% 0.000000% 1.297498% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 13 0 0 0 13 4,896,483.74 0.00 0.00 0.00 4,896,483.74 60 Days 1 0 0 0 1 557,817.00 0.00 0.00 0.00 557,817.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 14 0 0 0 14 5,454,300.74 0.00 0.00 0.00 5,454,300.74 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.427003% 0.000000% 0.000000% 0.000000% 1.427003% 1.490900% 0.000000% 0.000000% 0.000000% 1.490900% 60 Days 0.109769% 0.000000% 0.000000% 0.000000% 0.109769% 0.169846% 0.000000% 0.000000% 0.000000% 0.169846% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.536773% 0.000000% 0.000000% 0.000000% 1.536773% 1.660746% 0.000000% 0.000000% 0.000000% 1.660746% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 3 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 2 0 0 0 2 1,082,500.00 0.00 0.00 0.00 1,082,500.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 2 0 0 0 2 1,082,500.00 0.00 0.00 0.00 1,082,500.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.743494% 0.000000% 0.000000% 0.000000% 0.743494% 0.793448% 0.000000% 0.000000% 0.000000% 0.793448% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.743494% 0.000000% 0.000000% 0.000000% 0.743494% 0.793448% 0.000000% 0.000000% 0.000000% 0.793448% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 4 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 3 0 0 0 3 343,041.87 0.00 0.00 0.00 343,041.87 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 3 0 0 0 3 343,041.87 0.00 0.00 0.00 343,041.87 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.512821% 0.000000% 0.000000% 0.000000% 0.512821% 0.303757% 0.000000% 0.000000% 0.000000% 0.303757% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.512821% 0.000000% 0.000000% 0.000000% 0.512821% 0.303757% 0.000000% 0.000000% 0.000000% 0.303757%

~~/s/ Hays~~OTHER ~~Ellisen~~INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 32,816.96

~~Hays~~SUBORDINATION ~~Ellisen~~LEVEL/CLASS PERCENTAGE AND PREPAYMENT PERCENTAGE Current Original $ Original % Current $ Current % Class% Prepayment% Class A 682,602,447.00 99.99998535% 625,297,031.24 100.00000002% 92.579562% 0.000000% Class 1A 636,151,447.00 93.19500049% 581,112,027.00 92.93375758% 7.066242% 95.226755% Class 2-A-1 496,151,447.00 72.68526160% 455,807,476.23 72.89455308% 20.039204% 270.054196% Class 2-A-2 393,151,447.00 57.59595371% 363,619,128.17 58.15142406% 14.743129% 198.682730% Class 2-A-3 296,894,447.00 43.49448274% 277,465,984.29 44.37346901% 13.777955% 185.675762% Class X-1 296,894,447.00 43.49448274% 277,465,984.29 44.37346901% 0.000000% 0.000000% Class 3-A-1 170,538,447.00 24.98356441% 163,907,672.22 26.21276994% 18.160699% 244.738906% Class 3-A-2 156,499,447.00 22.92687710% 151,290,581.28 24.19499434% 2.017776% 27.192136% Class X-2 156,499,447.00 22.92687710% 151,290,581.28 24.19499434% 0.000000% 0.000000% Class B-1 29,697,447.00 4.35062060% 29,684,864.40 4.74732214% 2.673116% 36.023695% Class B-2 17,753,447.00 2.60084687% 17,745,925.10 2.83799926% 1.909323% 25.730595% Class B-3 11,953,447.00 1.75115769% 11,948,382.57 1.91083309% 0.927166% 12.494763% Class B-4 6,836,447.00 1.00152673% 6,833,550.65 1.09284873% 0.817984% 11.023397% Class B-5 2,742,447.00 0.40176337% 2,741,285.29 0.43839730% 0.654451% 8.819579% Class B-6 0.00 0.00000000% 0.00 0.00000000% 0.438397% 5.907971% Class P 0.00 0.00000000% 0.00 0.00000000% 0.000000% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

~~SECURITIES~~CREDIT ~~AND~~ENHANCEMENT ~~EXCHANGE~~Original ~~COMMISSION~~$ Original % Current $ Current % Bankruptcy 273,584.00 0.04007955% 273,584.00 0.04375265% Fraud 20,478,076.00 2.99999994% 20,478,076.00 3.27493575% Special Hazard 7,007,175.00 1.02653807% 7,007,175.00 1.12061543% Limit of Subordinate's Exposure to Certain Types of Losses

~~Washington~~COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 5.488505% Weighted Average Net Coupon 5.180837% Weighted Average Pass-Through Rate 5.170837% Weighted Average Maturity (Stepdown Calculation) 355 Beginning Scheduled Collateral Loan Count 1,923 DNumber Of Loans Paid In Full 47 Ending Scheduled Collateral Loan Count 1,876 Beginning Scheduled Collateral Balance 643,622,614.C54 Ending Scheduled Collateral Balance 625,297,031. ~~20549~~09 Ending Actual Collateral Balance at 30-Nov-2004 625,362,546.44 Monthly P &I Constant 3,035,377.79 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Class A Optimal Amount 20,893,664.68 Scheduled Principal 91,606.20 Unscheduled Principal 18,233,977.25

~~Form~~Group 8Level Collateral Statement Group 1 2 3 Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 3.911211 5.526019 5.626677 Weighted Average Net Rate 3.536211 5.248488 5.295091 Weighted Average Maturity 356 355 355 Beginning Loan Count 111 936 278 Loans Paid In Full 0 25 9 Ending Loan Count 111 911 269 Beginning Scheduled Balance 47,584,500.18 338,688,037.04 142,010,738.15 Ending scheduled Balance 47,574,854.87 328,389,148.26 136,414,283.81 Record Date 11/30/2004 11/30/2004 11/30/2004 Principal And Interest Constant 155,094.20 1,608,447.54 687,981.20 Scheduled Principal 0.00 48,783.90 22,107.37 Unscheduled Principal 9,645.31 10,250,104.88 5,574,346.97 Scheduled Interest 155,094.20 1,559,663.64 665,873.83 Servicing Fees 14,870.16 78,330.09 39,240.69 Master Servicing Fees 396.54 2,822.40 1,183.42 Trustee Fee 0.00 0.00 0.00 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 0.00 0.00 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 139,827.50 1,478,511.15 625,449.72 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-KThrough Rate 3.526211 5.238488 5.285091

~~CURRENT~~Group ~~REPORT~~Level Collateral Statement Group 4 Total Collateral Description Mixed ARM Mixed ARM Weighted Average Coupon Rate 5.858954 5.488505 Weighted Average Net Rate 5.520013 5.180837 Weighted Average Maturity 355 355 Beginning Loan Count 598 1,923 Loans Paid In Full 13 47 Ending Loan Count 585 1,876 Beginning Scheduled Balance 115,339,339.17 643,622,614.54 Ending scheduled Balance 112,918,744.15 625,297,031.09 Record Date 11/30/2004 11/30/2004 Principal And Interest Constant 583,854.85 3,035,377.79 Scheduled Principal 20,714.93 91,606.20 Unscheduled Principal 2,399,880.09 18,233,977.25 Scheduled Interest 563,139.92 2,943,771.59 Servicing Fees 32,577.69 165,018.63 Master Servicing Fees 961.16 5,363.52 Trustee Fee 0.00 0.00 FRY Amount 0.00 0.00 Special Hazard Fee 0.00 0.00 Other Fee 0.00 0.00 Pool Insurance Fee 0.00 0.00 Spread Fee 1 0.00 0.00 Spread Fee 2 0.00 0.00 Spread Fee 3 0.00 0.00 Net Interest 529,601.07 2,773,389.44 Realized Loss Amount 0.00 0.00 Cumulative Realized Loss 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 Prepayment Penalties 0.00 0.00 Special Servicing Fee 0.00 0.00 Pass-Through Rate 5.510013 5.170837

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event

Reported): December 6, 2004 Greenwich Capital Acceptance, Inc. HarborView Mortgage Loan Trust 2004-7

GREENWICH CAPITAL ACCEPTANCE, INC.
(Exact name of registrant as specified in its charter)
Delaware	333-111379-01	06-1199884
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)
600 Steamboat Road Greenwich, CT
(Address of Principal Executive Offices) (Zip Code)
Registrant’s telephone number, including area code (203) 625-2700

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:

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(d) 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.

This Current Report on Form 8-K is being filed to file a copy of the Pooling and Servicing Agreement dated as of September 1, 2004, among Greenwich Capital Acceptance, Inc., as depositor, Greenwich Capital Financial Products, Inc., as seller, Wells Fargo Bank, N.A., as master servicer and securities administrator and Deutsche Bank National Trust Company, as trustee (the “Pooling and Servicing Agreement”), in connection with the issuance by HarborView Mortgage Loan Trust 2004-7 of Mortgage Pass-Through Certificates, Series 2004-7.

Item 9.01. Financial Statements, Pro Forma Financial Information and Exhibits.

(a)

Not applicable.

(b)

Not applicable.

(c)

Exhibits:

4.1

Pooling and Servicing Agreement

SIGNATURES

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 thereunto duly authorized.

CREDIT SUISSE FIRST BOSTON MORTGAGE CORP.

By:

/s/ Shakti Radhakishun

Name:

Shakti Radhakishun

Title:

Vice President

Dated: December 6, 2004

EXHIBIT 4.1

Filing Compare · HarborView Mortgage Loan Trust 2004-7