8-K 1 cwt04j2_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 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2004-J2) (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 CWT By: /s/ Maria Tokarz ------------------------------ Name: Maria Tokarz Assistant Treasurer 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 Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------

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 5652,~~261~~065,~~901~~091.1575 6.000000% 1,~~615~~791,~~176~~277.6800 ~~281~~260,~~289~~305.6171 12,~~896~~051,~~466~~582.2970 0.00 19.9075 1X 4137,~~802~~914,~~324~~747.5284 0.~~327034~~326282% 0.00 1110,~~392~~309.3209 1110,~~392~~309.3209 0.00 0.00 2A1 3631,~~646~~919,~~677~~139.1295 6.500000% 1,~~448~~168,~~473~~580.6963 ~~198~~172,~~502~~895.8334 1,~~646~~341,~~976~~475.5297 0.00 0.00 2X 3732,~~302~~671,~~321~~176.0969 0.~~446667~~451507% 0.00 1312,~~884~~292.7771 1312,~~884~~292.7771 0.00 0.00 3A1 1511,~~059~~608,~~320~~004.3582 3.500000% 1,~~104~~227,~~693~~058.5880 4333,~~923~~856.0268 1,~~148~~260,~~616~~915.6048 0.00 0.00 3A2 50,413,000.00 3.500000% 0.00 147,037.92 147,037.92 0.00 0.00 3A3 28,135,000.00 5.500000% 0.00 128,952.08 128,952.08 0.00 0.00 3A4 127,~~599~~411,~~488~~599.8212 5.500000% 1,~~292~~026,~~383~~125.3142 5733,~~747~~969.6683 1,~~350~~060,~~130~~095.9725 0.00 0.00 3A5 14,278,000.00 5.750000% 0.00 68,415.42 68,415.42 0.00 0.00 3A6 649,000.00 0.000000% 0.00 0.00 0.00 0.00 0.00 3A7 25,000.00 5.500000% 0.00 114.58 114.58 0.00 0.00 3A8 2322,~~808~~553,~~116~~092.4966 5.500000% 0.00 ~~109~~103,~~120~~368.5334 ~~109~~103,~~120~~368.5334 0.00 0.00 3X ~~102~~94,~~370~~645,~~224~~411.2151 0.~~291020~~289614% 0.00 2422,~~826~~842.5020 2422,~~826~~842.5020 0.00 0.00 4A1 4135,~~015~~931,~~912~~351.5233 6.000000% 1,~~536~~227,~~602~~513.5537 ~~205~~179,~~079~~656.5676 1,~~741~~407,~~682~~170.1113 0.00 0.00 4X 4338,~~498~~406,~~019~~792.8327 0.~~260980~~262776% 0.00 98,~~460~~410.0832 98,~~460~~410.0832 0.00 0.00 5A1 1918,~~496~~361,~~974~~340.3733 5.000000% ~~159~~86,~~893~~333.9491 8176,~~237~~505.3958 ~~241~~162,~~131~~839.3350 0.00 0.00 5X 1817,~~315~~194,~~018~~752.7689 0.~~394180~~391651% 0.00 65,~~016~~611.1796 65,~~016~~611.1796 0.00 0.00 6A1 3430,~~225~~389,~~058~~689.0925 5.000000% ~~412~~917,~~482~~464.9074 ~~142~~126,~~604~~623.4171 ~~555~~1,~~087~~044,088.3144 0.00 0.00 6X 3632,~~076~~228,~~596~~430.8575 0.~~613502~~601863% 0.00 1816,~~444~~164.2125 1816,~~444~~164.2125 0.00 0.00 7A1 3227,~~678~~802,~~000~~930.1808 6.000000% 1,~~292~~925,~~998~~779.2754 ~~163~~139,~~390~~014.0065 12,~~456~~064,~~388~~794.2719 0.00 0.00 7X 3227,~~588~~706,~~151~~637.1098 0.~~884541~~884925% 0.00 2420,~~021~~431.2891 2420,~~021~~431.2891 0.00 0.00 PO 1,~~333~~297,~~719~~137.14 0.000000% 334,~~251~~242.9689 0.00 334,~~251~~242.9689 0.00 0.00 M 8,~~319~~285,~~132~~991.5113 5.~~743496~~744093% 1021,~~985~~237.8318 39,~~816~~662.9642 5060,~~802~~899.7960 0.00 0.4650 B1 3,~~950~~934,~~620~~881.1484 5.~~743496~~744093% 510,~~216~~085.9919 18,~~908~~835.4204 2428,~~125~~920.4222 0.00 0.2224 B2 2,~~286~~277,~~992~~881.1635 5.~~743496~~744093% 35,~~020~~838.0926 10,~~945~~903.9850 1316,~~966~~741.0776 0.00 0.1314 B3 2,~~286~~277,~~992~~881.1635 5.~~743496~~744093% 35,~~020~~838.0926 10,~~945~~903.9850 1316,~~966~~741.0776 0.00 0.1314 B4 1,~~663~~657,~~627~~000.9849 5.~~743496~~744093% 24,~~196~~246.9093 7,~~962~~931.4454 1012,~~159~~178.3547 0.00 0.0910 B5 1,~~247~~242,~~583~~613.1508 5.~~743496~~744093% 13,~~647~~184.5080 5,~~971~~948.1700 79,~~618~~132.6779 0.0005 0.07 Residual AR 0.00 5.000000% 0.00 0.0600 0.0600 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~362~~329,~~571~~962,~~999~~533.8301 - 89,~~892~~454,~~044~~806.3090 1,~~830~~660,~~011~~963.3702 1011,~~722~~115,~~055~~769.6792 -0.05 2120.0093 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 5450,~~646~~273,~~724~~814.4775 19.9075 1X 4036,~~271~~483,~~875~~844.7304 0.00 2A1 3530,~~198~~750,~~203~~559.4332 0.00 2X 3531,~~853~~478,~~683~~501.2232 0.00 3A1 1310,~~954~~380,~~626~~946.7702 0.00 3A2 50,413,000.00 0.00 3A3 28,135,000.00 0.00 3A4 116,~~307~~385,~~105~~473.5070 0.00 3A5 14,278,000.00 0.00 3A6 649,000.00 0.00 3A7 25,000.00 0.00 3A8 2322,~~406~~106,~~409~~889.7346 0.00 3X ~~100~~93,~~004~~191,~~050~~405.8243 0.00 4A1 3934,~~479~~703,~~309~~837.9795 0.00 4X 4137,~~959~~177,~~203~~004.1617 0.00 5A1 1918,~~337~~275,~~080~~006.4342 0.00 5X 1817,~~160~~113,~~381~~902.9899 0.00 6A1 3329,~~812~~472,~~575~~224.1952 0.00 6X 3531,~~659~~306,~~834~~719.6032 0.00 7A1 3125,~~385~~877,~~001~~150.9054 0.00 7X 3125,~~293~~778,~~036~~566.7173 0.00 PO 1,~~330~~262,~~467~~894.1825 0.00 M 8,~~308~~264,~~146~~753.6796 0.4650 B1 3,~~945~~924,~~403~~796.1565 0.2224 B2 2,~~283~~272,~~972~~043.0709 0.1314 B3 2,~~283~~272,~~972~~043.0709 0.1314 B4 1,~~661~~652,~~431~~753.0757 0.0910 B5 1,~~245~~239,~~935~~428.6524 0.07 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~353~~320,~~679~~507,~~955~~726.5306 2120.0093 --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------

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 5652,~~261~~065,~~901~~091.1575 6.000000% 12667FEA9 2628.~~022277~~859447 4.~~531886~~193812 ~~880~~809.~~418961~~966565 1X 4137,~~802~~914,~~324~~747.5284 0.~~327034~~326282% 12667FEB7 0.000000 0.~~241976~~218968 ~~855~~774.~~385965~~927106 2A1 3631,~~646~~919,~~677~~139.1295 6.500000% 12667FED3 3125.~~552349~~455391 43.~~324021~~766209 ~~766~~669.~~728460~~844671 2X 3732,~~302~~671,~~321~~176.0969 0.~~446667~~451507% 12667FEC5 0.000000 0.~~300656~~266182 ~~776~~681.~~362748~~624135 3A1 1511,~~059~~608,~~320~~004.3582 3.500000% 12667FEE1 5561.~~638055~~800997 21.~~212189~~705197 ~~702~~522.~~826833~~837876 3A2 50,413,000.00 3.500000% 12667FEF8 0.000000 2.916667 1,000.000000 3A3 28,135,000.00 5.500000% 12667FEG6 0.000000 4.583333 1,000.000000 3A4 127,~~599~~411,~~488~~599.8212 5.500000% 12667FEH4 6753.~~671134~~729470 31.~~023754~~778711 ~~592~~334.~~057048~~353006 3A5 14,278,000.00 5.750000% 12667FEJ0 0.000000 4.791667 1,000.000000 3A6 649,000.00 0.000000% 12667FEK7 0.000000 0.000000 1,000.000000 3A7 25,000.00 5.500000% 12667FEL5 0.000000 4.583333 1,000.000000 3A8 2322,~~808~~553,~~116~~092.4966 5.500000% 12667FEM3 0.000000 4.~~270528~~045411 ~~916~~865.~~030437~~172568 3X ~~102~~94,~~370~~645,~~224~~411.2151 0.~~291020~~289614% 12667FEN1 0.000000 0.~~220214~~202613 ~~887~~826.~~047974~~618989 4A1 4135,~~015~~931,~~912~~351.5233 6.000000% 12667FET8 3024.~~742503~~558617 43.~~102986~~594357 ~~789~~694.~~854750~~312825 4X 4338,~~498~~406,~~019~~792.8327 0.~~260980~~262776% 12667FEP6 0.000000 0.~~180275~~160270 ~~799~~708.~~591217~~459736 5A1 1918,~~496~~361,~~974~~340.3733 5.000000% 12667FEU5 74.~~492687~~045638 3.~~806813~~585079 ~~906~~856.~~142476~~373309 5X 1817,~~315~~194,~~018~~752.7689 0.~~394180~~391651% 12667FEQ4 0.000000 0.~~298816~~278739 ~~902~~850.~~005026~~027633 6A1 3430,~~225~~389,~~058~~689.0925 5.000000% 12667FEV3 1024.~~992802~~450730 3.~~800453~~374562 ~~901~~785.~~115987~~444248 6X 3632,~~076~~228,~~596~~430.8575 0.~~613502~~601863% 12667FER2 0.000000 0.~~468187~~410312 ~~905~~794.~~187436~~688178 7A1 3227,~~678~~802,~~000~~930.1808 6.000000% 12667FEW1 2639.~~738596~~824214 32.~~378828~~874758 ~~649~~535.~~027067~~127294 7X 3227,~~588~~706,~~151~~637.1098 0.~~884541~~884925% 12667FES0 0.000000 0.~~497577~~423226 ~~648~~533.~~203801~~977098 PO 1,~~333~~297,~~719~~137.14 0.000000% 12667FEX9 224.~~368858~~943872 0.000000 ~~969~~919.~~164769~~941982 M 8,~~319~~285,~~132~~991.5113 5.~~743496~~744093% 12667FEZ4 12.~~310802~~533967 4.~~750860~~732421 ~~991~~986.~~307323~~129812 B1 3,~~950~~934,~~620~~881.1484 5.~~743496~~744093% 12667FFA8 12.~~310802~~533967 4.~~750860~~732421 ~~991~~986.~~307323~~129812 B2 2,~~286~~277,~~992~~881.1635 5.~~743496~~744093% 12667FFB6 12.~~310802~~533967 4.~~750860~~732421 ~~991~~986.~~307323~~129812 B3 2,~~286~~277,~~992~~881.1635 5.~~743496~~744093% 12667FDK8 12.~~310802~~533967 4.~~750860~~732421 ~~991~~986.~~307323~~129812 B4 1,~~663~~657,~~627~~000.9849 5.~~743496~~744093% 12667FDL6 12.~~310802~~533967 4.~~750860~~732421 ~~991~~986.~~307323~~129812 B5 1,~~247~~242,~~583~~613.1508 5.~~743496~~744093% 12667FDM4 12.~~310802~~533928 4.~~750860~~732421 ~~991~~986.~~307323~~129812 Residual AR 0.00 5.000000% 12667FEY7 0.000000 0.~~550227~~000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~362~~329,~~571~~962,~~999~~533.8301 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 54,031,294.09 32,988,166.41 117,439,293.32 Loan count 378 333 531 Avg loan rate 6.408150% 7.190147% 5.959767% Prepay amount 1,752,703.61 805,537.48 2,158,410.87 Prin balance 37,177,004.17 19,308,708.70 31,306,719.32 Loan count 213 139 80 Avg loan rate 6.521776% 5.605124% 5.860863% Prepay amount 1,194,495.44 13,812.36 847,277.78 Total ----- Prin balance 28,256,540.05 320,507,726.06 Loan count 67 1741 Avg loan rate 7.078194% 6.30 Prepay amount 1,875,202.97 8,647,440.51 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 6,296.08 5,357.14 20,901.37 Sub servicer fees 0.00 0.00 0.00 Trustee fees 418.79 256.37 897.90 Agg advances N/A N/A N/A Adv this period 3,440.62 9,449.51 3,629.10 Master serv fees 4,350.14 4,041.49 5,826.59 Sub servicer fees 0.00 0.00 0.00 Trustee fees 288.05 145.49 241.71 Agg advances N/A N/A N/A Adv this period 7,873.60 3,191.59 5,704.61 Total ----- Master serv fees 4,857.33 51,630.14 Sub servicer fees 193.98 193.98 Trustee fees 226.40 2,474.72 Agg advances N/A N/A Adv this period 6,524.38 39,813.41 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 17,470.53 12,778.14 37,049.74 Fraud 1,318,000.00 964,000.09 2,795,081.73 Special Hazard 3,940,946.64 0.00 0.00 Bankruptcy 13,911.69 5,940.88 10,443.87 Fraud 1,049,516.48 448,187.82 787,899.54 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 97,594.87 Fraud 1,015,450.20 8,378,135.85 Special Hazard 0.00 3,940,946.64 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 329,962,533.01 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 21 3,272,191.00 60 to 89 days 4 928,147.23 90 or more 9 1,421,755.50 Foreclosure 0 0.00 Totals: 34 5,622,093.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 11,115,769.92 11,115,769.92 Principal remittance amount 9,454,806.90 9,454,806.90 Interest remittance amount 1,660,963.02 1,660,963.02

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