8-K 1 cw04j1_8k0408.txt 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): August 25, 2004 CW (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Trust, Series 2004-J1) (Exact name of registrant as specified in charter) Delaware 33-63714 95-4449516 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) , , N/A 91110-7137 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (818)-304-4428 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events CW CHL Mortgage Pass-Through Trust Series 2004-J1 On August 25, 2004, The Bank of New York, as Trustee for CW, CHL Mortgage Pass-Through Trust Series 2004-J1, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of January 1, 2004, among CW as Depositor, Countrywide Home Loans, Seller and Master Servicer and The Bank of New York, as Trustee. Item 7. Financial Statements and Exhibits (c) Exhibits Exhibit No. Description 99 Report to Holders of CW, CHL Mortgage Pass-Through Trust Series 2004-J1 relating to the distribution date of August 25, 2004 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of January 1, 2004. 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. Dated: August 25, 2004 CW By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated August 25, 2004 Payment Date: 08/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J1 ------------------------------------------------------------

Class Information Current Payment Information ---------------------------------------------------------------------------------------------------------------------------------- Beginning Pass Thru Principal Interest Total Principal Interest Type Class Code Name Cert. Bal. Rate Dist. Amt. Dist. Amt. Dist. Losses Shortfalls ---------------------------------------------------------------------------------------------------------------------------------- Senior 1A1 3938,~~296~~932,~~703~~489.3818 4.500000% ~~175~~184,~~022~~037.5550 ~~147~~145,~~362~~996.6483 ~~322~~330,~~385~~034.1833 0.00 0.00 1X 30,~~971~~685,~~873~~436.6319 0.~~185841~~185882% 0.00 4,~~796~~753.5223 4,~~796~~753.5223 0.00 0.00 2A1 4443,~~908~~796,~~531~~336.6396 4.750000% ~~907~~881,~~155~~918.6531 ~~177~~173,~~762~~360.9450 1,~~084~~055,~~918~~278.5881 0.00 0.00 2A2 14,500,000.00 4.750000% 0.00 57,395.83 57,395.83 0.00 0.00 2A3 14,496,000.00 4.750000% 0.00 57,380.00 57,380.00 0.00 0.00 2A4 1615,~~210~~090,~~997~~580.3951 4.750000% ~~913~~888,~~798~~379.2671 6459,~~168~~733.5355 ~~977~~948,~~966~~113.7926 0.00 0.00 2A5 25,~~398~~599.1966 4.750000% 0.00 0.00 0.00 0.00 0.00 2X 9189,~~484~~242,~~862~~011.9233 0.~~361332~~364012% 0.00 27,~~547~~071.0401 27,~~547~~071.0401 0.00 0.00 3A1 16,~~767~~345,~~357~~773.3427 5.250000% 41375,~~370~~631.5744 7371,~~357~~512.1976 ~~114~~447,~~727~~144.7619 0.00 0.00 3X 1211,~~301~~902,~~107~~580.7157 0.~~504786~~480704% 0.00 54,~~174~~768.5201 54,~~174~~768.5201 0.00 0.00 PO ~~249~~247,~~712~~747.4432 0.000000% ~~979~~1,556.6620 0.00 ~~979~~1,556.6620 0.00 0.00 Residual AR 0.00 4.500000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M ~~973~~966,~~787~~508.0708 4.~~751128~~751360% 3,~~611~~653.7931 3,~~855~~826.4986 7,~~467~~480.2817 0.00 0.00 B1 ~~406~~403,~~236~~199.4284 4.~~751128~~751360% 1,~~506~~524.7406 1,~~608~~596.4046 3,~~115~~120.1452 0.00 0.00 B2 ~~324~~322,~~595~~169.6936 4.~~751128~~751360% 1,~~203~~217.9377 1,~~285~~275.1662 2,~~489~~493.0939 0.00 0.00 B3 ~~162~~161,~~297~~084.8468 4.~~751128~~751360% ~~601~~608.9789 ~~642~~637.5881 1,~~244~~246.5570 0.00 0.00 B4 ~~162~~161,~~297~~084.8468 4.~~751128~~751360% ~~601~~608.9789 ~~642~~637.5881 1,~~244~~246.5570 0.00 0.00 B5 ~~162~~161,~~748~~532.9340 4.~~751128~~751360% ~~603~~610.6057 ~~644~~639.3758 1,~~247~~250.9715 0.0401 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~148~~145,~~646~~610,~~664~~105.1894 - 2,~~046~~339,~~456~~746.6863 ~~623~~610,~~623~~585.8086 2,~~670~~950,~~080~~332.4849 0.0401 - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 3938,~~121~~748,~~680~~451.8368 0.00 1X 30,~~835~~540,~~234~~141.9495 0.00 2A1 4442,~~001~~914,~~375~~418.9865 0.00 2A2 14,500,000.00 0.00 2A3 14,496,000.00 0.00 2A4 1514,~~297~~202,~~199~~200.1380 0.00 2A5 25,~~498~~700.7299 0.00 2X 8987,~~658~~466,~~843~~588.8869 0.00 3A1 1615,~~725~~970,~~986~~141.7783 0.00 3X 1211,~~271~~871,~~195~~849.1219 0.00 PO ~~248~~246,~~732~~191.7813 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M ~~970~~962,~~175~~854.2877 0.00 B1 ~~404~~401,~~729~~675.6978 0.00 B2 ~~323~~320,~~391~~951.7659 0.00 B3 ~~161~~160,~~695~~475.8879 0.00 B4 ~~161~~160,~~695~~475.8879 0.00 B5 ~~162~~160,~~145~~921.3082 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~146~~143,~~600~~270,~~308~~460.0063 - --------------------------------------------------------------------------------

Payment Date: 08/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J1 ------------------------------------------------------------

Class Information Current Payment Information Factors per $1,000 ------------------------------------------------------------------------------------------------------------------------ Beginning Pass Thru CUSIP Principal Interest Ending Cert./ Type Class Code Name Cert. Bal.(Face) Rate Numbers Dist. Dist. Notional Bal. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Senior 1A1 3938,~~296~~932,~~703~~489.3818 4.500000% 12669FMP5 4.~~174061~~389056 3.~~514408~~481835 ~~933~~924.~~001379~~100348 1X 30,~~971~~685,~~873~~436.6319 0.~~185841~~185882% 12669FMQ3 0.000000 0.~~143361~~142068 ~~921~~912.~~622374~~802454 2A1 4443,~~908~~796,~~531~~336.6396 4.750000% 12669FMR1 1817.~~273954~~765568 3.~~580898~~492214 ~~886~~864.~~373957~~478036 2A2 14,500,000.00 4.750000% 12669FNJ8 0.000000 3.958333 1,000.000000 2A3 14,496,000.00 4.750000% 12669FNK5 0.000000 3.958333 1,000.000000 2A4 1615,~~210~~090,~~997~~580.3951 4.750000% 12669FNL3 4342.~~557760~~346142 32.~~058703~~847302 ~~729~~676.~~167221~~972249 2A5 25,~~398~~599.1966 4.750000% 12669FNM1 0.000000 0.000000 1,~~019~~028.~~948972~~039549 2X 9189,~~484~~242,~~862~~011.9233 0.~~361332~~364012% 12669FMS9 0.000000 0.~~272727~~268014 ~~887~~865.~~659411~~955183 3A1 16,~~767~~345,~~357~~773.3427 5.250000% 12669FMT7 117.~~978790~~966778 3.~~508738~~420517 ~~800~~763.~~018500~~865778 3X 1211,~~301~~902,~~107~~580.7157 0.~~504786~~480704% 12669FMU4 0.000000 0.~~321966~~296672 ~~763~~738.~~530320~~682477 PO ~~249~~247,~~712~~747.4432 0.000000% 12669FMV2 35.~~737432~~936944 0.000000 ~~948~~939.~~924430~~227916 Residual AR 0.00 4.500000% 12669FMW0 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M ~~973~~966,~~787~~508.0708 4.~~751128~~751360% 12669FMX8 3.~~648276~~690216 3.~~894434~~865512 ~~979~~972.~~975026~~580575 B1 ~~406~~403,~~236~~199.4284 4.~~751128~~751360% 12669FMY6 3.~~648276~~690216 3.~~894434~~865512 ~~979~~972.~~975026~~580575 B2 ~~324~~322,~~595~~169.6936 4.~~751128~~751360% 12669FMZ3 3.~~648276~~690216 3.~~894434~~865512 ~~979~~972.~~975026~~580575 B3 ~~162~~161,~~297~~084.8468 4.~~751128~~751360% 12669FLH4 3.~~648276~~690216 3.~~894434~~865512 ~~979~~972.~~975026~~580575 B4 ~~162~~161,~~297~~084.8468 4.~~751128~~751360% 12669FLJ0 3.~~648276~~690216 3.~~894434~~865512 ~~979~~972.~~975026~~580575 B5 ~~162~~161,~~748~~532.9340 4.~~751128~~751360% 12669FLK7 3.~~648061~~690163 3.~~894434~~865512 ~~979~~972.~~975086~~580635 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~148~~145,~~646~~610,~~664~~105.1894 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J1 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 39,437,082.83 87,466,588.69 16,366,789.11 Loan count 87 189 43 Avg loan rate 4.887709% 5.373012% 5.823839% Prepay amount 21,924.24 1,425,683.99 337,461.78 Total ----- Prin balance 143,270,460.63 Loan count 319 Avg loan rate 5.29 Prepay amount 1,785,070.01 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 8,255.03 13,597.60 3,488.32 Sub servicer fees 0.00 0.00 121.79 Trustee fees 297.18 669.32 125.58 Agg advances N/A N/A N/A Adv this period 0.00 6,685.38 0.00 Total ----- Master serv fees 25,340.96 Sub servicer fees 121.79 Trustee fees 1,092.08 Agg advances N/A Adv this period 6,685.38 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 Cumulative losses 0.00 Coverage Amounts ---------------- Bankruptcy 25,850.35 61,226.58 12,923.06 Fraud 426,455.10 1,010,059.21 213,192.70 Special Hazard 1,937,965.54 0.00 0.00 Total ----- Bankruptcy 99,999.99 Fraud 1,649,707.01 Special Hazard 1,937,965.54 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 98.511451% 100.000000% 143,434,526.90 ----------------------------------------------------------------------------- Junior 1.488549% 0.000000% 2,167,355.55 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 2 785,109.62 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 2 785,109.62 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 0.00 Current Total Outstanding Number of Loans: 0 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 2,950,332.49 2,950,332.49 Principal remittance amount 2,339,746.63 2,339,746.63 Interest remittance amount 610,585.86 610,585.86

Filing Compare · CWMBS INC CHL MORTGAGE PASS THROUGH TRUST 2004-J1