8-K 1 cwt04j2_8k0409.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): September 25, 2004 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2004-J2) (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 CWT CHL Mortgage Pass-Through Certificates Series 2004-J2 On September 25, 2004, The Bank of New York, as Trustee for CWT, CHL Mortgage Pass-Through Certificates Series 2004-J2, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of March 1, 2004, among CWT 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 CWT, CHL Mortgage Pass-Through Certificates Series 2004-J2 relating to the distribution date of September 25, 2004 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of March 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: September 25, 2004 CWT By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated September 25, 2004 Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------

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 5756,~~670~~261,~~701~~901.4115 6.000000% 1,~~408~~615,~~800~~176.2668 ~~288~~281,~~333~~289.5661 1,~~697~~896,~~133~~466.8229 0.00 19.9490 1X 4241,~~967~~802,~~557~~324.3152 0.~~328318~~327034% 0.00 11,~~755~~392.8732 11,~~755~~392.8732 0.00 0.00 2A1 3836,~~187~~646,~~500~~677.9412 6.500000% 1,~~540~~448,~~823~~473.8269 ~~206~~198,~~848~~502.9683 1,~~747~~646,~~672~~976.7852 0.00 0.00 2X 3837,~~742~~302,~~655~~321.6109 0.~~445494~~446667% 0.00 1413,~~383~~884.0377 1413,~~383~~884.0377 0.00 0.00 3A1 1615,~~116~~059,~~867~~320.1235 3.500000% 1,~~057~~104,~~546~~693.7758 4743,~~007~~923.5302 1,~~104~~148,~~554~~616.3060 0.00 0.00 3A2 50,413,000.00 3.500000% 0.00 147,037.92 147,037.92 0.00 0.00 3A3 28,135,000.00 5.500000% 0.00 128,952.08 128,952.08 0.00 0.00 3A4 1312,~~395~~599,~~794~~488.9482 5.500000% ~~796~~1,~~306~~292,383.1231 6157,~~397~~747.3966 ~~857~~1,~~703~~350,130.5297 0.00 0.00 3A5 14,278,000.00 5.750000% 0.00 68,415.42 68,415.42 0.00 0.00 3A6 649,000.00 0.000000% 0.00 0.00 0.00 0.00 0.00 3A7 25,000.00 5.500000% 0.00 114.58 114.58 0.00 0.00 3A8 2423,~~192~~808,~~678~~116.9549 5.500000% 0.00 ~~110~~109,~~883~~120.1153 ~~110~~109,~~883~~120.1153 0.00 0.00 3X ~~104~~102,~~196~~370,~~525~~224.5021 0.~~291752~~291020% 0.00 2524,~~332~~826.9650 2524,~~332~~826.9650 0.00 0.00 4A1 4341,~~992~~015,~~613~~912.5352 6.000000% 21,~~976~~536,~~701~~602.0155 ~~219~~205,~~963~~079.0756 31,~~196~~741,~~664~~682.0811 0.00 0.00 4X 4643,~~476~~498,~~862~~019.6383 0.~~261903~~260980% 0.00 109,~~143~~460.6808 109,~~143~~460.6808 0.00 0.00 5A1 2019,~~014~~496,~~564~~974.5537 5.000000% ~~517~~159,~~590~~893.1894 8381,~~394~~237.0239 ~~600~~241,~~984~~131.2033 0.00 0.00 5X 18,~~827~~315,~~621~~018.7076 0.~~399875~~394180% 0.00 6,~~273~~016.9217 6,~~273~~016.9217 0.00 0.00 6A1 34,~~310~~225,~~212~~058.8309 5.000000% 85412,~~154~~482.7490 142,~~959~~604.2241 ~~228~~555,~~113~~087.9631 0.00 0.00 6X 36,~~166~~076,~~007~~596.7785 0.~~613466~~613502% 0.00 18,~~488~~444.8621 18,~~488~~444.8621 0.00 0.00 7A1 3332,~~432~~678,~~035~~000.9418 6.000000% ~~754~~1,~~035~~292,998.7627 ~~167~~163,~~160~~390.1800 ~~921~~1,~~195~~456,388.9427 0.00 0.00 7X 3332,~~344~~588,~~201~~151.7210 0.~~878677~~884541% 0.00 24,~~415~~021.6428 24,~~415~~021.6428 0.00 0.00 PO 1,~~340~~333,~~767~~719.4214 0.000000% 73,~~048~~251.2896 0.00 73,~~048~~251.2896 0.00 0.00 M 8,~~329~~319,~~992~~132.7951 5.~~743293~~743496% 10,~~860~~985.2883 39,~~867~~816.5496 50,~~727~~802.8279 0.00 0.4546 B1 3,~~955~~950,~~777~~620.5114 5.~~743293~~743496% 5,~~157~~216.3799 18,~~932~~908.4442 24,~~089~~125.8142 0.00 0.22 B2 2,~~289~~286,~~977~~992.7316 5.~~743293~~743496% 23,~~985~~020.5709 10,~~959~~945.8998 13,~~945~~966.4607 0.00 0.1213 B3 2,~~289~~286,~~977~~992.7316 5.~~743293~~743496% 23,~~985~~020.5709 10,~~959~~945.8998 13,~~945~~966.4607 0.00 0.1213 B4 1,~~665~~663,~~799~~627.7798 5.~~743293~~743496% 2,~~171~~196.8090 7,~~972~~962.5644 10,~~144~~159.35 0.00 0.09 B5 1,~~249~~247,~~211~~583.8215 5.~~743293~~743496% 1,~~628~~647.5950 5,~~978~~971.7617 7,~~607~~618.3467 0.0800 0.07 Residual AR 0.00 5.000000% 0.00 0.0006 0.0006 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~371~~362,~~741~~571,~~796~~999.0283 - 98,~~169~~892,~~796~~044.1130 1,~~877~~830,~~932~~011.0737 1110,~~047~~722,~~728~~055.1867 ~~0.08~~- 21.0200 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 5654,~~261~~646,~~901~~724.1547 19.9490 1X 4140,~~802~~271,~~324~~875.5273 0.00 2A1 3635,~~646~~198,~~677~~203.1243 0.00 2X 3735,~~302~~853,~~321~~683.0922 0.00 3A1 1513,~~059~~954,~~320~~626.3577 0.00 3A2 50,413,000.00 0.00 3A3 28,135,000.00 0.00 3A4 1211,~~599~~307,~~488~~105.8250 0.00 3A5 14,278,000.00 0.00 3A6 649,000.00 0.00 3A7 25,000.00 0.00 3A8 23,~~808~~406,~~116~~409.4973 0.00 3X ~~102~~100,~~370~~004,~~224~~050.2182 0.00 4A1 4139,~~015~~479,~~912~~309.5297 0.00 4X 4341,~~498~~959,~~019~~203.8316 0.00 5A1 19,~~496~~337,~~974~~080.3743 0.00 5X 18,~~315~~160,~~018~~381.7698 0.00 6A1 3433,~~225~~812,~~058~~575.0919 0.00 6X 3635,~~076~~659,~~596~~834.8560 0.00 7A1 3231,~~678~~385,~~000~~001.1890 0.00 7X 3231,~~588~~293,~~151~~036.1071 0.00 PO 1,~~333~~330,~~719~~467.1418 0.00 M 8,~~319~~308,~~132~~146.5167 0.4546 B1 3,~~950~~945,~~620~~403.1415 0.22 B2 2,~~286~~283,~~992~~972.1607 0.1213 B3 2,~~286~~283,~~992~~972.1607 0.1213 B4 1,~~663~~661,~~627~~431.9807 0.09 B5 1,~~247~~245,~~583~~935.1565 0.07 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~362~~353,~~571~~679,~~999~~955.8353 21.0200 --------------------------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------

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 5756,~~670~~261,~~701~~901.4115 6.000000% 12667FEA9 2226.~~697325~~022277 4.~~645371~~531886 ~~906~~880.~~441237~~418961 1X 4241,~~967~~802,~~557~~324.3152 0.~~328318~~327034% 12667FEB7 0.000000 0.~~249698~~241976 ~~887~~855.~~893127~~385965 2A1 3836,~~187~~646,~~500~~677.9412 6.500000% 12667FED3 3331.~~564028~~552349 4.~~505826~~324021 ~~798~~766.~~280809~~728460 2X 3837,~~742~~302,~~655~~321.6109 0.~~445494~~446667% 12667FEC5 0.000000 0.~~311445~~300656 ~~807~~776.~~731031~~362748 3A1 1615,~~116~~059,~~867~~320.1235 3.500000% 12667FEE1 5355.~~263499~~638055 2.~~367541~~212189 ~~758~~702.~~464888~~826833 3A2 50,413,000.00 3.500000% 12667FEF8 0.000000 2.916667 1,000.000000 3A3 28,135,000.00 5.500000% 12667FEG6 0.000000 4.583333 1,000.000000 3A4 1312,~~395~~599,~~794~~488.9482 5.500000% 12667FEH4 4167.~~695786~~671134 3.~~214860~~023754 ~~659~~592.~~728182~~057048 3A5 14,278,000.00 5.750000% 12667FEJ0 0.000000 4.791667 1,000.000000 3A6 649,000.00 0.000000% 12667FEK7 0.000000 0.000000 1,000.000000 3A7 25,000.00 5.500000% 12667FEL5 0.000000 4.583333 1,000.000000 3A8 2423,~~192~~808,~~678~~116.9549 5.500000% 12667FEM3 0.000000 4.~~339508~~270528 ~~931~~916.~~751585~~030437 3X ~~104~~102,~~196~~370,~~525~~224.5021 0.~~291752~~291020% 12667FEN1 0.000000 0.~~224706~~220214 ~~908~~887.~~036217~~047974 4A1 4341,~~992~~015,~~613~~912.5352 6.000000% 12667FET8 5930.~~554269~~742503 4.~~400758~~102986 ~~820~~789.~~597253~~854750 4X 4643,~~476~~498,~~862~~019.6383 0.~~261903~~260980% 12667FEP6 0.000000 0.~~193302~~180275 ~~828~~799.~~915517~~591217 5A1 2019,~~014~~496,~~564~~974.5537 5.000000% 12667FEU5 247.~~254460~~492687 3.~~907873~~806813 ~~913~~906.~~635163~~142476 5X 18,~~827~~315,~~621~~018.7076 0.~~399875~~394180% 12667FEQ4 0.000000 0.~~311618~~298816 ~~909~~902.~~685654~~005026 6A1 34,~~310~~225,~~212~~058.8309 5.000000% 12667FEV3 210.~~269401~~992802 3.~~809909~~800453 ~~912~~901.~~108789~~115987 6X 36,~~166~~076,~~007~~596.7785 0.~~613466~~613502% 12667FER2 0.000000 0.~~469320~~468187 ~~915~~905.~~766508~~187436 7A1 3332,~~432~~678,~~035~~000.9418 6.000000% 12667FEW1 1526.~~593105~~738596 3.~~456794~~378828 ~~675~~649.~~765663~~027067 7X 3332,~~344~~588,~~201~~151.7210 0.~~878677~~884541% 12667FES0 0.000000 0.~~505745~~497577 ~~675~~648.~~030793~~203801 PO 1,~~340~~333,~~767~~719.4214 0.000000% 12667FEX9 52.~~134247~~368858 0.000000 ~~971~~969.~~533627~~164769 M 8,~~329~~319,~~992~~132.7951 5.~~743293~~743496% 12667FEZ4 1.~~295821~~310802 4.~~756895~~750860 ~~992~~991.~~618125~~307323 B1 3,~~955~~950,~~777~~620.5114 5.~~743293~~743496% 12667FFA8 1.~~295821~~310802 4.~~756895~~750860 ~~992~~991.~~618125~~307323 B2 2,~~289~~286,~~977~~992.7316 5.~~743293~~743496% 12667FFB6 1.~~295821~~310802 4.~~756895~~750860 ~~992~~991.~~618125~~307323 B3 2,~~289~~286,~~977~~992.7316 5.~~743293~~743496% 12667FDK8 1.~~295821~~310802 4.~~756895~~750860 ~~992~~991.~~618125~~307323 B4 1,~~665~~663,~~799~~627.7798 5.~~743293~~743496% 12667FDL6 1.~~295821~~310802 4.~~756895~~750860 ~~992~~991.~~618125~~307323 B5 1,~~249~~247,~~211~~583.8215 5.~~743293~~743496% 12667FDM4 1.~~295756~~310802 4.~~756895~~750860 ~~992~~991.~~618125~~307323 Residual AR 0.00 5.000000% 12667FEY7 0.000000 0.~~000000~~550227 0.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~371~~362,~~741~~571,~~796~~999.0283 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 58,437,148.40 37,465,463.08 125,998,316.03 Loan count 403 370 563 Avg loan rate 6.418062% 7.186775% 5.963715% Prepay amount 1,562,117.46 1,418,547.40 2,276,018.64 Prin balance 41,959,203.16 20,382,889.41 35,659,834.60 Loan count 237 144 89 Avg loan rate 6.519980% 5.609387% 5.872502% Prepay amount 1,500,015.00 85,482.99 333,380.65 Total ----- Prin balance 33,777,100.85 353,679,955.53 Loan count 79 1885 Avg loan rate 7.086904% 6.32 Prepay amount 1,236,692.67 8,412,254.81 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 10,484.93 4,176.03 23,688.64 Sub servicer fees 0.00 0.00 0.00 Trustee fees 450.43 291.87 963.02 Agg advances N/A N/A N/A Adv this period 2,609.75 12,433.91 5,928.81 Master serv fees 4,681.47 4,280.58 7,515.96 Sub servicer fees 0.00 0.00 0.00 Trustee fees 326.24 154.10 270.57 Agg advances N/A N/A N/A Adv this period 11,032.84 6,773.73 5,746.73 Total ----- Master serv fees 7,307.13 62,134.73 Sub servicer fees 195.77 195.77 Trustee fees 263.06 2,719.29 Agg advances N/A N/A Adv this period 0.00 44,525.77 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 17,470.53 12,778.14 37,049.74 Fraud 1,318,000.00 964,000.09 2,795,081.73 Special Hazard 3,953,128.28 0.00 0.00 Bankruptcy 13,911.69 5,940.88 10,443.87 Fraud 1,049,516.48 448,187.82 787,899.54 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 97,594.87 Fraud 1,015,450.20 8,378,135.85 Special Hazard 0.00 3,953,128.28 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 362,571,999.83 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 29 4,557,013.77 60 to 89 days 5 674,514.96 90 or more 1 389,322.92 Foreclosure 11 654,480.33 Totals: 46 6,275,331.98 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 147,544.88 Current Total Outstanding Number of Loans: 1 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 10,722,055.67 10,722,055.67 Principal remittance amount 8,892,044.30 8,892,044.30 Interest remittance amount 1,830,011.37 1,830,011.37

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