8-K 1 cwt04j3_8k0411.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): November 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 November 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 November 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: November 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 November 25, 2004 Payment Date: 11/25/04 ------------------------------------------------------------ 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 3433,~~113~~555,~~898~~274.6491 5.500000% ~~212~~288,~~929~~657.5427 ~~156~~153,~~355~~795.3701 ~~369~~442,~~284~~452.9128 0.00 0.00 1X 3332,~~106~~551,~~847~~466.8464 0.~~219033~~218997% 0.00 65,~~042~~940.9255 65,~~042~~940.9255 0.00 0.00 2A1 3129,~~475~~609,~~551~~141.0510 6.000000% 1457,~~146,903~~453.9050 ~~157~~148,~~377~~045.7671 1605,~~304,281~~499.6621 0.00 0.00 2X 1615,~~675~~467,~~686~~585.3132 0.~~193824~~192721% 0.00 2,~~693~~484.4510 2,~~693~~484.4510 0.00 0.00 3A1 2221,~~515~~128,~~632~~696.2215 6.250000% ~~798~~887,~~107~~051.1963 ~~117~~110,~~268~~045.9229 ~~915~~997,~~376~~096.1092 0.00 0.00 3X 2019,~~489~~166,~~500~~932.4886 0.~~360813~~362045% 0.00 65,~~160~~782.7375 65,~~160~~782.7375 0.00 0.00 4A1 20,~~270~~063,~~851~~474.4364 4.750000% ~~107~~86,~~559~~481.4863 8079,~~238~~417.7992 ~~187~~165,~~798~~899.2755 0.00 0.00 4X 12,~~153~~054,~~952~~803.9749 0.~~289766~~289754% 0.00 2,~~934~~910.8477 2,~~934~~910.8477 0.00 0.00 5A1 16,~~926~~665,~~996~~327.3106 5.250000% 4383,~~106~~153.2617 7472,~~055~~910.6181 ~~117~~156,~~161~~063.8798 0.00 0.00 5X 13,~~911~~664,~~203~~248.8022 0.~~421435~~420518% 0.00 4,~~885~~788.5639 4,~~885~~788.5639 0.00 0.00 PO ~~300~~292,~~348~~755.08 0.000000% ~~1,543~~818.1624 0.00 ~~1,543~~818.1624 0.00 0.00 Residual AR 0.00 5.500000% 0.00 0.0100 0.0100 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 3,~~213~~203,~~933~~660.1386 5.~~647804~~648826% 5,~~105~~156.2797 15,~~126~~080.3977 20,~~231~~237.6674 0.00 0.00 B1 1,~~460~~455,~~247~~580.8464 5.~~647804~~648826% 2,~~319~~343.5806 6,~~872~~851.6694 9,~~192~~195.2400 0.00 0.00 B2 ~~802~~800,~~987~~421.6113 5.~~647804~~648826% 1,~~275~~288.5345 3,~~779~~767.2687 5,~~054~~056.7931 0.00 0.00 B3 ~~802~~800,~~987~~421.6113 5.~~647804~~648826% 1,~~275~~288.5345 3,~~779~~767.2687 5,~~054~~056.7931 0.00 0.00 B4 ~~584~~583,~~892~~022.2180 5.~~647804~~648826% ~~929~~938.0950 2,~~752~~744.8050 3,~~681~~682.8999 0.00 0.00 B5 ~~438~~436,~~101~~701.6541 5.~~647804~~648826% ~~695~~702.9296 2,~~061~~055.9371 2,~~757~~758.8467 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~132~~128,~~906~~594,~~427~~476.8090 - 21,~~321~~815,~~750~~333.4483 ~~642~~620,~~386~~389.2595 2,~~964~~435,~~136~~723.6978 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 33,~~900~~266,~~969~~617.1064 0.00 1X 32,~~895~~265,~~806~~567.7498 0.00 2A1 3029,~~328~~151,~~647~~687.1560 0.00 2X 15,~~942~~026,~~843~~972.0653 0.00 3A1 2120,~~717~~241,~~525~~644.0352 0.00 3X 1918,~~753~~282,~~499~~440.8731 0.00 4A1 2019,~~163~~976,~~291~~993.9502 0.00 4X 12,~~104~~004,~~476~~881.1137 0.00 5A1 16,~~883~~582,~~890~~173.0589 0.00 5X 13,~~875~~588,~~438~~497.6966 0.00 PO ~~298~~291,~~804~~936.9283 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 3,~~208~~198,~~827~~503.8689 0.00 B1 1,~~457~~453,~~928~~237.2758 0.00 B2 ~~801~~799,~~712~~132.0868 0.00 B3 ~~801~~799,~~712~~132.0868 0.00 B4 ~~583~~582,~~963~~084.1230 0.00 B5 ~~437~~435,~~405~~998.7444 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~130~~126,~~584~~779,~~677~~143.3607 - --------------------------------------------------------------------------------

Payment Date: 11/25/04 ------------------------------------------------------------ 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 3433,~~113~~555,~~898~~274.6491 5.500000% 12667FGT6 58.~~961240~~081337 4.~~377373~~305692 ~~949~~931.~~101853~~342357 1X 3332,~~106~~551,~~847~~466.8464 0.~~219033~~218997% 12667FGU3 0.000000 0.~~175355~~172384 ~~954~~936.~~576442~~288061 2A1 3129,~~475~~609,~~551~~141.0510 6.000000% 12667FGV1 3212.~~387436~~918036 4.~~444193~~180665 ~~856~~823.~~451123~~214944 2X 1615,~~675~~467,~~686~~585.3132 0.~~193824~~192721% 12667FGW9 0.000000 0.~~138459~~127697 ~~819~~772.~~554131~~473101 3A1 2221,~~515~~128,~~632~~696.2215 6.250000% 12667FGX7 2629.~~262165~~188931 3.~~858800~~621102 ~~714~~666.~~627346~~062669 3X 2019,~~489~~166,~~500~~932.4886 0.~~360813~~362045% 12667FGY5 0.000000 0.~~220919~~207365 ~~708~~655.~~345244~~594185 4A1 20,~~270~~063,~~851~~474.4364 4.750000% 12667FGZ2 54.~~178847~~163976 3.~~863392~~823868 ~~970~~961.~~835955~~865907 4X 12,~~153~~054,~~952~~803.9749 0.~~289766~~289754% 12667FHA6 0.000000 0.~~236054~~234118 ~~973~~965.~~582488~~571923 5A1 16,~~926~~665,~~996~~327.3106 5.250000% 12667FHB4 24.~~494287~~811548 4.~~285130~~218887 ~~976~~959.~~963896~~505491 5X 13,~~911~~664,~~203~~248.8022 0.~~421435~~420518% 12667FHC2 0.000000 0.~~343022~~336200 ~~974~~954.~~214409~~067868 PO ~~300~~292,~~348~~755.08 0.000000% 12667FHD0 42.~~871149~~582878 0.000000 ~~943~~921.~~210076~~530196 Residual AR 0.00 5.500000% 12667FHE8 0.000000 0.~~063076~~045243 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 3,~~213~~203,~~933~~660.1386 5.~~647804~~648826% 12667FHF5 1.~~574729~~590675 4.~~665758~~651687 ~~989~~986.~~768002~~583556 B1 1,~~460~~455,~~247~~580.8464 5.~~647804~~648826% 12667FHG3 1.~~574729~~590675 4.~~665758~~651687 ~~989~~986.~~768002~~583556 B2 ~~802~~800,~~987~~421.6113 5.~~647804~~648826% 12667FHH1 1.~~574729~~590675 4.~~665758~~651687 ~~989~~986.~~768002~~583556 B3 ~~802~~800,~~987~~421.6113 5.~~647804~~648826% 12667FGQ2 1.~~574729~~590675 4.~~665758~~651687 ~~989~~986.~~768002~~583556 B4 ~~584~~583,~~892~~022.2180 5.~~647804~~648826% 12667FGR0 1.~~574729~~590675 4.~~665758~~651687 ~~989~~986.~~768002~~583556 B5 ~~438~~436,~~101~~701.6541 5.~~647804~~648826% 12667FGS8 1.~~574729~~590675 4.~~665758~~651687 ~~989~~986.~~768002~~583556 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~132~~128,~~906~~594,~~427~~476.8090 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J3 Alternative Loan Trust 2004-J3 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 35,138,910.41 31,068,085.70 21,861,117.08 Loan count 206 212 139 Avg loan rate 5.959476% 6.341936% 6.802836% Prepay amount 253,300.70 427,972.75 869,536.16 Total ----- Prin balance 21,166,171.54 17,544,858.34 126,779,143.07 Loan count 56 98 711 Avg loan rate 5.146510% 5.826794% 6.05 Prepay amount 3,311.87 43,596.56 1,597,718.04 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 6,475.28 5,167.24 2,369.75 Sub servicer fees 0.00 0.00 0.00 Trustee fees 265.72 236.46 170.62 Agg advances N/A N/A N/A Adv this period 745.84 4,754.47 7,255.46 Total ----- Master serv fees 4,428.67 3,672.98 22,113.92 Sub servicer fees 0.00 170.76 170.76 Trustee fees 159.43 132.23 964.46 Agg advances N/A N/A N/A Adv this period 0.00 1,764.65 14,520.42 -------------------------------------------------------------------------------- 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 2,510,717.88 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 2,510,717.88 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.347540% 100.000000% 121,314,668.94 ----------------------------------------------------------------------------- Junior 5.652460% 0.000000% 7,268,089.57 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 12 1,504,502.22 60 to 89 days 1 401,673.25 90 or more 1 305,214.06 Foreclosure 0 0.00 Totals: 14 2,211,389.53 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 2,435,723.78 2,435,723.78 Principal remittance amount 1,815,333.83 1,815,333.83 Interest remittance amount 620,389.95 620,389.95

Filing Compare · CWALT 2004-J3