8-K 1 cwt04j3_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-J3) (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-J3 On September 25, 2004, The Bank of New York, as Trustee for CWT, CHL Mortgage Pass-Through Certificates Series 2004-J3, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of April 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-J3 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 April 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-J3 Alternative Loan Trust 2004-J3 ------------------------------------------------------------

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 34,~~430~~113,~~668~~898.9164 5.500000% ~~316~~212,~~770~~929.2754 ~~157~~156,~~807~~355.2337 ~~474~~369,~~577~~284.5091 0.00 0.00 1X 33,~~422~~106,~~402~~847.8584 0.~~219215~~219033% 0.00 6,~~105~~042.5892 6,~~105~~042.5892 0.00 0.00 2A1 3231,~~581~~475,~~465~~551.4905 6.000000% 1,~~105~~146,~~914~~903.4490 ~~162~~157,~~907~~377.3376 1,~~268~~304,~~821~~281.7766 0.00 0.00 2X 1716,~~336~~675,~~482~~686.6131 0.~~191363~~193824% 0.00 2,~~764~~693.6345 2,~~764~~693.6345 0.00 0.00 3A1 2322,~~967~~515,~~730~~632.5422 6.250000% 1798,~~452,098~~107.3219 ~~124~~117,~~831~~268.9392 1915,~~576,930~~376.2510 0.00 0.00 3X 2120,~~939~~489,~~296~~500.3048 0.~~369625~~360813% 0.00 6,~~757~~160.7673 6,~~757~~160.7673 0.00 0.00 4A1 20,~~464~~270,~~755~~851.0443 4.750000% ~~193~~107,~~903~~559.6148 8180,~~006~~238.3279 ~~274~~187,~~909~~798.9327 0.00 0.00 4X 12,~~253~~153,~~120~~952.1497 0.~~289575~~289766% 0.00 2,~~956~~934.8384 2,~~956~~934.8384 0.00 0.00 5A1 16,~~969~~926,~~079~~996.5131 5.250000% 4243,~~083~~106.2026 74,~~239~~055.7261 ~~116~~117,~~322~~161.9387 0.00 0.00 5X 13,~~945~~911,~~832~~203.8180 0.~~421428~~421435% 0.00 4,~~897~~885.6456 4,~~897~~885.6456 0.00 0.00 PO ~~301~~300,~~907~~348.8708 0.000000% 1,~~559~~543.7916 0.00 1,~~559~~543.7916 0.00 0.00 Residual AR 0.00 5.500000% 0.00 0.0501 0.0501 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 3,~~218~~213,~~985~~933.1413 5.~~647298~~647804% 5,~~052~~105.0127 15,~~148~~126.8139 20,~~200~~231.8266 0.00 0.00 B1 1,~~462~~460,~~543~~247.2284 5.~~647298~~647804% 2,~~295~~319.3858 6,~~882~~872.8566 9,~~178~~192.2224 0.00 0.00 B2 ~~804~~802,~~249~~987.8361 5.~~647298~~647804% 1,~~262~~275.2253 3,~~784~~779.8726 5,~~047~~054.0979 0.00 0.00 B3 ~~804~~802,~~249~~987.8361 5.~~647298~~647804% 1,~~262~~275.2253 3,~~784~~779.8726 5,~~047~~054.0979 0.00 0.00 B4 ~~585~~584,~~811~~892.6121 5.~~647298~~647804% ~~919~~929.4009 2,~~756~~752.8880 3,~~676~~681.2789 0.00 0.00 B5 438,~~790~~101.3165 5.~~647298~~647804% ~~688~~695.6692 2,~~064~~061.9893 2,~~753~~757.6484 -0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~136~~132,~~030~~906,~~237~~427.3180 - 32,~~123~~321,~~809~~750.5144 ~~658~~642,~~698~~386.2725 32,~~782~~964,~~507~~136.7869 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 3433,~~113~~900,~~898~~969.6410 0.00 1X 3332,~~106~~895,~~847~~806.8474 0.00 2A1 3130,~~475~~328,~~551~~647.0515 0.00 2X 1615,~~675~~942,~~686~~843.3106 0.00 3A1 2221,~~515~~717,~~632~~525.2203 0.00 3X 2019,~~489~~753,~~500~~499.4887 0.00 4A1 20,~~270~~163,~~851~~291.4395 0.00 4X 12,~~153~~104,~~952~~476.9711 0.00 5A1 16,~~926~~883,~~996~~890.3105 0.00 5X 13,~~911~~875,~~203~~438.8069 0.00 PO ~~300~~298,~~348~~804.0892 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 3,~~213~~208,~~933~~827.1386 0.00 B1 1,~~460~~457,~~247~~928.8427 0.00 B2 ~~802~~801,~~987~~712.6108 0.00 B3 ~~802~~801,~~987~~712.6108 0.00 B4 ~~584~~583,~~892~~963.2112 0.00 B5 ~~438~~437,~~101~~405.6574 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~132~~130,~~906~~584,~~427~~677.8036 - --------------------------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J3 Alternative Loan Trust 2004-J3 ------------------------------------------------------------

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 34,~~430~~113,~~668~~898.9164 5.500000% 12667FGT6 85.~~868397~~961240 4.~~418019~~377373 ~~955~~949.~~063094~~101853 1X 33,~~422~~106,~~402~~847.8584 0.~~219215~~219033% 12667FGU3 0.000000 0.~~177173~~175355 ~~960~~954.~~700471~~576442 2A1 3231,~~581~~475,~~465~~551.4905 6.000000% 12667FGV1 3132.~~229934~~387436 4.~~600342~~444193 ~~888~~856.~~838559~~451123 2X 1716,~~336~~675,~~482~~686.6131 0.~~191363~~193824% 12667FGW9 0.000000 0.~~142118~~138459 ~~857~~819.~~226503~~554131 3A1 2322,~~967~~515,~~730~~632.5422 6.250000% 12667FGX7 4726.~~782110~~262165 43.~~107665~~858800 ~~740~~714.~~889510~~627346 3X 2120,~~939~~489,~~296~~500.3048 0.~~369625~~360813% 12667FGY5 0.000000 0.~~242328~~220919 ~~734~~708.~~737658~~345244 4A1 20,~~464~~270,~~755~~851.0443 4.750000% 12667FGZ2 95.~~336204~~178847 3.~~900348~~863392 ~~976~~970.~~014802~~835955 4X 12,~~253~~153,~~120~~952.1497 0.~~289575~~289766% 12667FHA6 0.000000 0.~~237823~~236054 ~~977~~973.~~561992~~582488 5A1 16,~~969~~926,~~079~~996.5131 5.250000% 12667FHB4 2.~~435089~~494287 4.~~295783~~285130 ~~979~~976.~~458183~~963896 5X 13,~~945~~911,~~832~~203.8180 0.~~421428~~421435% 12667FHC2 0.000000 0.~~343870~~343022 ~~976~~974.~~725528~~214409 PO ~~301~~300,~~907~~348.8708 0.000000% 12667FHD0 4.~~923635~~871149 0.000000 ~~948~~943.~~081226~~210076 Residual AR 0.00 5.500000% 12667FHE8 0.000000 0.~~502961~~063076 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 3,~~218~~213,~~985~~933.1413 5.~~647298~~647804% 12667FHF5 1.~~558300~~574729 4.~~672674~~665758 ~~991~~989.~~342731~~768002 B1 1,~~462~~460,~~543~~247.2284 5.~~647298~~647804% 12667FHG3 1.~~558300~~574729 4.~~672674~~665758 ~~991~~989.~~342731~~768002 B2 ~~804~~802,~~249~~987.8361 5.~~647298~~647804% 12667FHH1 1.~~558300~~574729 4.~~672674~~665758 ~~991~~989.~~342731~~768002 B3 ~~804~~802,~~249~~987.8361 5.~~647298~~647804% 12667FGQ2 1.~~558300~~574729 4.~~672674~~665758 ~~991~~989.~~342731~~768002 B4 ~~585~~584,~~811~~892.6121 5.~~647298~~647804% 12667FGR0 1.~~558300~~574729 4.~~672674~~665758 ~~991~~989.~~342731~~768002 B5 438,~~790~~101.3165 5.~~647298~~647804% 12667FGS8 1.~~558300~~574729 4.~~672674~~665758 ~~991~~989.~~342731~~768002 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~136~~132,~~030~~906,~~237~~427.3180 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J3 Alternative Loan Trust 2004-J3 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 35,777,212.58 32,254,096.44 23,339,767.06 Loan count 210 219 147 Avg loan rate 5.959753% 6.343729% 6.804650% Prepay amount 177,383.44 1,117,215.30 779,863.65 Total ----- Prin balance 21,362,439.30 17,851,161.98 130,584,677.36 Loan count 57 100 733 Avg loan rate 5.146228% 5.828537% 6.06 Prepay amount 24,170.46 3,578.51 2,102,211.36 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 6,679.87 4,891.09 3,701.71 Sub servicer fees 0.00 0.00 0.00 Trustee fees 269.94 250.53 181.04 Agg advances N/A N/A N/A Adv this period 0.00 4,061.92 4,150.64 Total ----- Master serv fees 4,473.96 3,728.45 23,475.07 Sub servicer fees 0.00 171.56 171.56 Trustee fees 161.06 134.22 996.80 Agg advances N/A N/A N/A Adv this period 0.00 631.22 8,843.78 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 100,000.00 100,000.00 100,000.00 Fraud 2,945,117.00 2,945,117.00 2,945,117.00 Special Hazard 2,531,205.10 0.00 0.00 Total ----- Bankruptcy 100,000.00 100,000.00 500,000.00 Fraud 2,945,117.00 2,945,117.00 14,725,585.00 Special Hazard 0.00 0.00 2,531,205.10 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.513293% 100.000000% 125,603,277.74 ----------------------------------------------------------------------------- Junior 5.486707% 0.000000% 7,291,549.15 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 7 915,643.02 60 to 89 days 2 440,924.42 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 9 1,356,567.44 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 2,964,136.69 2,964,136.69 Principal remittance amount 2,321,750.44 2,321,750.44 Interest remittance amount 642,386.25 642,386.25

Filing Compare · CWALT 2004-J3