8-K 1 cw04j1_8k0412.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): December 25, 2004 CW (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Trust, Series 2004-J1) (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) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions. []Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) []Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) []Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) []Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Section 8 - Other Events Item 8.01 Other Events Section 9 - Financial Statements and Exhibits Item 9.01 Financial Statements and Exhibits 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: December 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 December 25, 2004 Payment Date: 12/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J1 ------------------------------------------------------------

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 3837,~~748~~868,~~451~~235.6813 4.500000% ~~179~~256,~~729~~721.1964 ~~145~~142,~~306~~005.6988 ~~325~~398,~~035~~727.8852 0.00 0.00 1X 3029,~~540~~777,~~141~~890.9525 0.~~185895~~186680% 0.00 4,~~731~~632.0645 4,~~731~~632.0645 0.00 0.00 2A1 4241,~~914~~188,~~418~~987.6509 4.750000% ~~572~~978,~~691~~263.4803 ~~169~~163,~~869~~039.5774 ~~742~~1,~~561~~141,302.0677 0.00 0.00 2A2 14,500,000.00 4.750000% 0.00 57,395.83 57,395.83 0.00 0.00 2A3 14,496,000.00 4.750000% 0.00 57,380.00 57,380.00 0.00 0.00 2A4 1412,~~202~~464,~~200~~019.8064 4.750000% ~~576~~985,~~923~~420.2685 5649,~~217~~336.0474 ~~633~~1,~~140~~034,757.3060 0.00 0.00 2A5 2526,~~700~~007.9940 4.750000% 0.00 0.00 0.00 0.00 0.00 2X 8783,~~466~~987,~~588~~275.6919 0.~~361685~~363552% 0.00 2625,~~362~~444.7976 2625,~~362~~444.7976 0.00 0.00 3A1 15,~~970~~151,~~141~~928.8332 5.250000% ~~400~~359,~~858~~052.1523 6966,~~869~~289.3769 ~~470~~425,~~727~~341.5291 0.00 0.00 3X 11,~~871~~085,~~849~~376.1939 0.~~480704~~452718% 0.00 4,~~755~~182.7012 4,~~755~~182.7012 0.00 0.00 PO ~~246~~243,~~191~~211.1394 0.000000% ~~991~~1,000.4081 0.00 ~~991~~1,000.4081 0.00 0.00 Residual AR 0.00 4.500000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M ~~962~~951,~~854~~712.7757 4.~~751477~~751841% 3,~~694~~770.4140 3,~~812~~768.4966 7,~~506~~539.9006 0.00 0.00 B1 ~~401~~397,~~675~~027.7857 4.~~751477~~751841% 1,~~541~~572.2090 1,~~590~~572.4618 3,~~131~~145.6708 0.00 0.00 B2 ~~320~~317,~~951~~237.5952 4.~~751477~~751841% 1,~~231~~256.4780 1,~~270~~256.8322 2,~~502~~513.3002 0.00 0.00 B3 ~~160~~158,~~475~~618.7976 4.~~751477~~751841% ~~615~~628.7440 ~~635~~628.4111 1,~~251~~256.1551 0.00 0.00 B4 ~~160~~158,~~475~~618.7976 4.~~751477~~751841% ~~615~~628.7440 ~~635~~628.4111 1,~~251~~256.1551 0.00 0.00 B5 ~~160~~159,~~921~~059.8263 4.~~751477~~751841% ~~617~~630.4513 ~~637~~629.1886 1,~~254~~259.6398 0.0002 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~143~~138,~~270~~080,~~460~~664.6332 - 12,~~739~~588,~~509~~945.4958 ~~600~~578,~~469~~190.8534 23,~~339~~167,~~979~~135.3592 -0.02 - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 3837,~~568~~611,~~722~~513.4950 0.00 1X 3029,~~399~~560,~~740~~490.7824 0.00 2A1 4240,~~341~~210,~~727~~724.1706 0.00 2A2 14,500,000.00 0.00 2A3 14,496,000.00 0.00 2A4 1311,~~625~~478,~~277~~598.5479 0.00 2A5 2526,~~802~~110.7234 0.00 2X 8682,~~311~~018,~~758~~268.4627 0.00 3A1 1514,~~569~~792,~~283~~876.6809 0.00 3X 1110,~~481~~737,~~552~~010.1441 0.00 PO ~~245~~242,~~199~~211.7213 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M ~~959~~947,~~160~~942.3617 0.00 B1 ~~400~~395,~~134~~454.5766 0.00 B2 ~~319~~315,~~720~~980.1272 0.00 B3 ~~159~~157,~~860~~990.0636 0.00 B4 ~~159~~157,~~860~~990.0636 0.00 B5 ~~160~~158,~~304~~429.3748 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~141~~135,~~531~~491,~~052~~821.8766 - --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J1 ------------------------------------------------------------

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 3837,~~748~~868,~~451~~235.6813 4.500000% 12669FMP5 46.~~286308~~122478 3.~~465376~~386656 ~~919~~896.~~814040~~985846 1X 3029,~~540~~777,~~141~~890.9525 0.~~185895~~186680% 12669FMQ3 0.000000 0.~~141405~~138457 ~~908~~883.~~606058~~522024 2A1 4241,~~914~~188,~~418~~987.6509 4.750000% 12669FMR1 1119.~~536431~~706358 3.~~421892~~284310 ~~852~~810.~~941605~~014183 2A2 14,500,000.00 4.750000% 12669FNJ8 0.000000 3.958333 1,000.000000 2A3 14,496,000.00 4.750000% 12669FNK5 0.000000 3.958333 1,000.000000 2A4 1412,~~202~~464,~~200~~019.8064 4.750000% 12669FNL3 2746.~~500036~~971774 2.~~679682~~351721 ~~649~~547.~~472212~~147089 2A5 2526,~~700~~007.9940 4.750000% 12669FNM1 0.000000 0.000000 1,~~032~~044.~~108872~~413744 2X 8783,~~466~~987,~~588~~275.6919 0.~~361685~~363552% 12669FMS9 0.000000 0.~~261002~~251914 ~~854~~812.~~521889~~014571 3A1 15,~~970~~151,~~141~~928.8332 5.250000% 12669FMT7 1917.~~173394~~173780 3.~~341913~~170693 ~~744~~707.~~692384~~556134 3X 11,~~871~~085,~~849~~376.1939 0.~~480704~~452718% 12669FMU4 0.000000 0.~~295906~~260217 ~~714~~668.~~397668~~071277 PO ~~246~~243,~~191~~211.1394 0.000000% 12669FMV2 3.~~782239~~818119 0.000000 ~~935~~924.~~445677~~044095 Residual AR 0.00 4.500000% 12669FMW0 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M ~~962~~951,~~854~~712.7757 4.~~751477~~751841% 12669FMX8 3.~~731730~~808486 3.~~850995~~806723 ~~968~~957.~~848845~~517340 B1 ~~401~~397,~~675~~027.7857 4.~~751477~~751841% 12669FMY6 3.~~731730~~808486 3.~~850995~~806723 ~~968~~957.~~848845~~517340 B2 ~~320~~317,~~951~~237.5952 4.~~751477~~751841% 12669FMZ3 3.~~731730~~808486 3.~~850995~~806723 ~~968~~957.~~848845~~517340 B3 ~~160~~158,~~475~~618.7976 4.~~751477~~751841% 12669FLH4 3.~~731730~~808486 3.~~850995~~806723 ~~968~~957.~~848845~~517340 B4 ~~160~~158,~~475~~618.7976 4.~~751477~~751841% 12669FLJ0 3.~~731730~~808486 3.~~850995~~806723 ~~968~~957.~~848845~~517340 B5 ~~160~~159,~~921~~059.8263 4.~~751477~~751841% 12669FLK7 3.~~731731~~808356 3.~~850996~~806723 ~~968~~957.~~848904~~517398 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~143~~138,~~270~~080,~~460~~664.6332 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Trust, Series 2004-J1 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 38,287,911.23 82,018,268.27 15,185,642.16 Loan count 86 182 40 Avg loan rate 4.887869% 5.372552% 5.803390% Prepay amount 92,073.62 1,621,733.29 322,707.84 Total ----- Prin balance 135,491,821.66 Loan count 308 Avg loan rate 5.29 Prepay amount 2,036,514.75 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 8,030.78 17,497.35 2,776.31 Sub servicer fees 0.00 0.00 120.78 Trustee fees 289.11 629.90 116.59 Agg advances N/A N/A N/A Adv this period 0.00 3,075.72 0.00 Total ----- Master serv fees 28,304.43 Sub servicer fees 120.78 Trustee fees 1,035.60 Agg advances N/A Adv this period 3,075.72 -------------------------------------------------------------------------------- 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 25,850.35 61,226.58 12,923.06 Fraud 426,455.10 1,010,059.21 213,192.70 Special Hazard 1,904,190.72 0.00 0.00 Total ----- Bankruptcy 99,999.99 Fraud 1,649,707.01 Special Hazard 1,904,190.72 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 98.454585% 100.000000% 135,938,389.52 ----------------------------------------------------------------------------- Junior 1.545415% 0.000000% 2,133,787.75 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 1 359,666.73 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 1 359,666.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 3,167,135.92 3,167,135.92 Principal remittance amount 2,588,945.58 2,588,945.58 Interest remittance amount 578,190.34 578,190.34

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