8-K 1 cw04j7_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 CW (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Trust, Series 2004-J7) (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-J7 On September 25, 2004, The Bank of New York, as Trustee for CW, CHL Mortgage Pass-Through Trust Series 2004-J7, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of August 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-J7 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 August 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 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 September 25, 2004 Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J7 ------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J7 ------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J7 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 92,061,900.72 22,711,445.46 64,048,126.20 Loan count 169 44 110 Avg loan rate 5.984561% 4.974735% 5.717042% Prepay amount 448,267.05 5,576.19 10,541.39 Total ----- Prin balance 178,821,472.38 Loan count 323 Avg loan rate 5.76 Prepay amount 464,384.63 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 19,292.00 4,750.81 13,388.42 Sub servicer fees 0.00 0.00 0.00 Trustee fees 694.51 171.03 481.98 Agg advances N/A N/A N/A Adv this period 0.00 4,588.15 0.00 Total ----- Master serv fees 37,431.23 Sub servicer fees 0.00 Trustee fees 1,347.52 Agg advances N/A Adv this period 4,588.15 -------------------------------------------------------------------------------- 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 1,796,699.00 1,796,699.00 1,796,699.00 Special Hazard 3,877,173.04 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 5,390,097.00 Special Hazard 3,877,173.04 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 97.504327% 100.000000% 175,176,560.30 ----------------------------------------------------------------------------- Junior 2.495673% 0.000000% 4,483,733.68 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 1 560,172.31 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 1 560,172.31 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 1,672,167.39 1,672,167.39 Principal remittance amount 848,466.11 848,466.11 Interest remittance amount 823,701.28 823,701.28

CWMBS CHL Mortgage Pass-Through Trust 2004-J7 8-K