8-K 1 cwt04j6_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-J6) (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-J6 On September 25, 2004, The Bank of New York, as Trustee for CWT, CHL Mortgage Pass-Through Certificates Series 2004-J6, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of July 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-J6 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 July 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-J6 Alternative Loan Trust 2004-J6 ------------------------------------------------------------

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 41,~~317~~225,~~000~~940.0024 5.500000% 91299,~~059~~039.7603 ~~189~~188,~~369~~952.5823 ~~280~~487,~~429~~991.3426 0.00 0.00 1X 17,~~386~~348,~~529~~172.0076 0.~~229087~~229098% 0.00 3,~~319~~312.1902 3,~~319~~312.1902 0.00 0.00 2A1 ~~100~~93,~~000~~463,~~000~~302.0097 6.500000% 6,~~536~~618,~~697~~682.0327 ~~541~~506,~~666~~259.6756 7,~~078~~124,~~363~~941.6983 0.00 0.00 2X 9386,~~301~~780,~~199~~610.0010 0.~~689307~~675419% 0.00 5348,~~594~~844.3439 5348,~~594~~844.3439 0.00 0.00 3A1 3029,~~139~~358,~~000~~818.0091 6.500000% ~~780~~522,~~181~~554.0984 ~~163~~159,~~252~~026.9294 ~~943~~681,~~434~~581.0178 0.00 0.00 3X 1918,~~383~~924,~~449~~111.0044 0.~~302596~~306252% 0.00 4,~~887~~829.8063 4,~~887~~829.8063 0.00 0.00 PO 1,~~316~~306,~~701~~726.3966 0.000000% 95,~~974~~487.7309 0.00 95,~~974~~487.7309 0.00 0.00 Residual AR ~~100~~0.00 5.500000% ~~100~~0.00 0.4601 ~~100~~0.4601 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 3,~~116~~108,~~000~~980.0001 6.~~256553~~256520% 7,~~019~~332.9905 16,~~246~~209.1850 23,~~266~~541.1854 0.00 0.00 B1 ~~890~~887,~~000~~994.0093 6.~~256553~~256520% 2,~~005~~094.0720 4,~~640~~629.2880 6,~~645~~724.3500 0.00 0.00 B2 ~~356~~355,~~000~~197.0097 6.~~256553~~256520% ~~802~~837.0368 1,~~856~~851.1192 2,~~658~~689.1460 0.00 0.00 B3 ~~445~~443,~~000~~997.0047 6.~~256553~~256520% 1,~~002~~047.5310 2,~~320~~314.1490 3,~~322~~362.6700 0.00 0.00 B4 ~~267~~266,~~000~~398.0048 6.~~256553~~256520% ~~601~~628.5226 1,~~392~~388.0894 12,~~993~~017.6020 0.00 0.00 B5 179,~~752~~347.9397 6.~~256553~~256520% ~~404~~422.9196 ~~937~~935.1908 1,~~342~~358.1004 0.0600 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~178~~170,~~026~~596,~~554~~705.3260 - 7,~~429~~458,~~848~~125.6648 ~~983~~938,~~482~~554.9490 8,~~413~~396,~~331~~680.6138 ~~0.06~~- - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 4140,~~225~~926,~~940~~901.2421 0.00 1X 17,~~348~~107,~~172~~299.7607 0.00 2A1 9386,~~463~~844,~~302~~620.9770 0.00 2X 8680,~~780~~560,~~610~~459.1068 0.00 3A1 2928,~~358~~836,~~818~~264.9106 0.00 3X 18,~~924~~487,~~111~~029.4412 0.00 PO 1,~~306~~301,~~726~~239.6657 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 3,~~108~~101,~~980~~647.0196 0.00 B1 ~~887~~885,~~994~~900.9373 0.00 B2 ~~355~~354,~~197~~360.9729 0.00 B3 ~~443~~442,~~997~~950.4737 0.00 B4 ~~266~~265,~~398~~770.4822 0.00 B5 ~~179~~178,~~347~~925.9700 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~170~~163,~~596~~138,~~705~~580.6012 - --------------------------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J6 Alternative Loan Trust 2004-J6 ------------------------------------------------------------

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 41,~~317~~225,~~000~~940.0024 5.500000% 12667FRE7 27.~~203930~~237675 4.~~583333~~573232 ~~997~~990.~~796070~~558395 1X 17,~~386~~348,~~529~~172.0076 0.~~229087~~229098% 12667FRF4 0.000000 0.~~190906~~190494 ~~997~~983.~~793910~~939869 2A1 ~~100~~93,~~000~~463,~~000~~302.0097 6.500000% 12667FRG2 6566.~~366970~~186823 5.~~416667~~062596 ~~934~~868.~~633030~~446207 2X 9386,~~301~~780,~~199~~610.0010 0.~~689307~~675419% 12667FRH0 0.000000 0.~~574423~~523513 ~~930~~863.~~112485~~445063 3A1 3029,~~139~~358,~~000~~818.0091 6.500000% 12667FRJ6 2517.~~886098~~338161 5.~~416667~~276450 ~~974~~956.~~113902~~775741 3X 1918,~~383~~924,~~449~~111.0044 0.~~302596~~306252% 12667FRK3 0.000000 0.~~252164~~249163 ~~976~~953.~~302589~~753335 PO 1,~~316~~306,~~701~~726.3966 0.000000% 12667FRL1 74.~~575547~~167298 0.000000 ~~992~~988.~~424453~~257155 Residual AR ~~100~~0.00 5.500000% 12667FRM9 ~~1,000~~0.000000 40.~~583333~~086486 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 3,~~116~~108,~~000~~980.0001 6.~~256553~~256520% 12667FRN7 2.~~252886~~353031 5.~~213794~~202021 ~~997~~995.~~747114~~394082 B1 ~~890~~887,~~000~~994.0093 6.~~256553~~256520% 12667FRP2 2.~~252886~~353031 5.~~213794~~202021 ~~997~~995.~~747114~~394082 B2 ~~356~~355,~~000~~197.0097 6.~~256553~~256520% 12667FRQ0 2.~~252886~~353031 5.~~213794~~202021 ~~997~~995.~~747114~~394082 B3 ~~445~~443,~~000~~997.0047 6.~~256553~~256520% 12667FRR8 2.~~252886~~353031 5.~~213794~~202021 ~~997~~995.~~747114~~394082 B4 ~~267~~266,~~000~~398.0048 6.~~256553~~256520% 12667FRS6 2.~~252886~~353031 5.~~213794~~202021 ~~997~~995.~~747114~~394082 B5 179,~~752~~347.9397 6.~~256553~~256520% 12667FRT4 2.~~252577~~353031 5.~~213794~~202021 ~~997~~995.~~747114~~394082 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~178~~170,~~026~~596,~~554~~705.3260 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J6 Alternative Loan Trust 2004-J6 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 42,930,275.12 90,150,888.20 30,057,416.80 Loan count 348 220 83 Avg loan rate 5.764897% 7.357440% 6.884009% Prepay amount 205,481.26 6,512,533.39 332,028.79 Total ----- Prin balance 163,138,580.12 Loan count 651 Avg loan rate 6.87 Prepay amount 7,050,043.44 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 9,007.09 10,080.66 6,372.58 Sub servicer fees 254.41 858.29 29.86 Trustee fees 324.26 725.81 229.41 Agg advances N/A N/A N/A Adv this period 601.90 18,292.54 12,307.59 Total ----- Master serv fees 25,460.33 Sub servicer fees 1,142.56 Trustee fees 1,279.48 Agg advances N/A Adv this period 31,202.03 -------------------------------------------------------------------------------- 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 0.00 0.00 0.00 Fraud 3,560,531.00 3,560,531.00 3,560,531.00 Special Hazard 2,769,231.18 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 10,681,593.00 Special Hazard 2,769,231.18 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 96.934329% 100.000000% 165,354,788.78 ----------------------------------------------------------------------------- Junior 3.065671% 0.000000% 5,229,554.58 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 7 3,044,443.25 60 to 89 days 1 434,431.08 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 8 3,478,874.33 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 8,396,680.38 8,396,680.38 Principal remittance amount 7,458,125.48 7,458,125.48 Interest remittance amount 938,554.90 938,554.90

Filing Compare · Mortgage Pass-Through Certificates, Series 2004-J6