8-K 1 cwt04j6_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-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) 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/ 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 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 4139,~~225~~860,~~940~~697.2404 5.500000% ~~299~~165,~~039~~194.0363 ~~188~~182,~~952~~694.2386 ~~487~~347,~~991~~889.2649 0.00 0.00 1X 1716,~~348~~944,~~172~~873.7666 0.~~229098~~228918% 0.00 3,~~312~~232.0248 3,~~312~~232.0248 0.00 0.00 2A1 9374,~~463~~864,~~302~~283.9769 6.500000% 64,~~618~~031,~~682~~998.2788 ~~506~~405,~~259~~514.5687 74,~~124~~437,~~941~~513.8375 0.00 0.00 2X 8669,~~780~~944,~~610~~618.1054 0.~~675419~~645701% 0.00 4837,~~844~~636.3911 4837,~~844~~636.3911 0.00 0.00 3A1 2925,~~358~~549,~~818~~718.91 6.500000% ~~522~~196,~~554~~028.8432 ~~159~~138,~~026~~394.9431 ~~681~~334,~~581~~422.7863 0.00 0.00 3X 1815,~~924~~984,~~111~~675.4463 0.~~306252~~316405% 0.00 4,~~829~~214.6370 4,~~829~~214.6370 0.00 0.00 PO 1,~~306~~179,~~726~~681.6624 0.000000% 54,~~487~~549.0975 0.00 54,~~487~~549.0975 0.00 0.00 Residual AR 0.00 5.500000% 0.00 0.0102 0.0102 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 3,~~108~~086,~~980~~898.0148 6.~~256520~~256451% 7,~~332~~616.0516 16,~~209~~094.5019 23,~~541~~710.5435 0.00 0.00 B1 ~~887~~881,~~994~~687.9395 6.~~256520~~256451% 2,~~094~~175.2035 4,~~629~~596.8086 6,~~724~~772.0021 0.00 0.00 B2 ~~355~~352,~~197~~675.9718 6.~~256520~~256451% ~~837~~870.6814 1,~~851~~838.9275 2,~~689~~708.6088 0.00 0.00 B3 ~~443~~440,~~997~~843.4797 6.~~256520~~256451% 1,~~047~~087.1067 2,~~314~~298.9043 3,~~362~~386.0011 0.00 0.00 B4 ~~266~~264,~~398~~506.4838 6.~~256520~~256451% ~~628~~652.2660 1,~~388~~379.9406 2,~~017~~031.2066 0.00 0.00 B5 ~~179~~178,~~347~~074.9715 6.~~256520~~256451% ~~422~~439.9635 ~~935~~928.0843 1,~~358~~367.0478 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~170~~146,~~596~~659,~~705~~066.6099 - 74,~~458~~410,~~125~~612.4885 ~~938~~798,~~554~~823.9007 85,~~396~~209,~~680~~435.3892 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 4039,~~926~~695,~~901~~502.2141 0.00 1X 1716,~~107~~837,~~299~~349.0716 0.00 2A1 8670,~~844~~832,~~620~~284.7081 0.00 2X 8065,~~560~~923,~~459~~961.6821 0.00 3A1 2825,~~836~~353,~~264~~690.0659 0.00 3X 1815,~~487~~869,~~029~~278.1208 0.00 PO 1,~~301~~175,~~239~~131.5749 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 3,~~101~~079,~~647~~282.9632 0.00 B1 ~~885~~879,~~900~~512.7360 0.00 B2 ~~354~~351,~~360~~805.2904 0.00 B3 ~~442~~439,~~950~~756.3730 0.00 B4 ~~265~~263,~~770~~853.2278 0.00 B5 ~~178~~177,~~925~~634.0079 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~163~~142,~~138~~248,~~580~~454.1214 - --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ 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 4139,~~225~~860,~~940~~697.2404 5.500000% 12667FRE7 73.~~237675~~998224 4.~~573232~~421784 ~~990~~960.~~558395~~754711 1X 1716,~~348~~944,~~172~~873.7666 0.~~229098~~228918% 12667FRF4 0.000000 0.~~190494~~185919 ~~983~~968.~~939869~~413486 2A1 9374,~~463~~864,~~302~~283.9769 6.500000% 12667FRG2 6640.~~186823~~319989 54.~~062596~~055149 ~~868~~708.~~446207~~322848 2X 8669,~~780~~944,~~610~~618.1054 0.~~675419~~645701% 12667FRH0 0.000000 0.~~523513~~403383 ~~863~~706.~~445063~~571426 3A1 2925,~~358~~549,~~818~~718.91 6.500000% 12667FRJ6 176.~~338161~~504142 54.~~276450~~591868 ~~956~~841.~~775741~~225342 3X 1815,~~924~~984,~~111~~675.4463 0.~~306252~~316405% 12667FRK3 0.000000 0.~~249163~~217438 ~~953~~818.~~753335~~702496 PO 1,~~306~~179,~~726~~681.6624 0.000000% 12667FRL1 43.~~167298~~455413 0.000000 ~~988~~892.~~257155~~481392 Residual AR 0.00 5.500000% 12667FRM9 0.000000 0.~~086486~~168397 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 3,~~108~~086,~~980~~898.0148 6.~~256520~~256451% 12667FRN7 2.~~353031~~444209 5.~~202021~~165016 ~~995~~988.~~394082~~216406 B1 ~~887~~881,~~994~~687.9395 6.~~256520~~256451% 12667FRP2 2.~~353031~~444209 5.~~202021~~165016 ~~995~~988.~~394082~~216406 B2 ~~355~~352,~~197~~675.9718 6.~~256520~~256451% 12667FRQ0 2.~~353031~~444209 5.~~202021~~165016 ~~995~~988.~~394082~~216406 B3 ~~443~~440,~~997~~843.4797 6.~~256520~~256451% 12667FRR8 2.~~353031~~444209 5.~~202021~~165016 ~~995~~988.~~394082~~216406 B4 ~~266~~264,~~398~~506.4838 6.~~256520~~256451% 12667FRS6 2.~~353031~~444209 5.~~202021~~165016 ~~995~~988.~~394082~~216406 B5 ~~179~~178,~~347~~074.9715 6.~~256520~~256451% 12667FRT4 2.~~353031~~444209 5.~~202021~~165016 ~~995~~988.~~394082~~216406 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~170~~146,~~596~~659,~~705~~066.6099 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J6 Alternative Loan Trust 2004-J6 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 41,673,463.08 74,053,553.43 26,521,437.63 Loan count 341 182 74 Avg loan rate 5.764950% 7.329524% 6.883094% Prepay amount 72,755.16 3,940,483.11 21,102.96 Total ----- Prin balance 142,248,454.14 Loan count 597 Avg loan rate 6.80 Prepay amount 4,034,341.23 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 8,717.39 14,960.15 5,567.90 Sub servicer fees 252.79 526.52 29.34 Trustee fees 313.83 585.67 200.44 Agg advances N/A N/A N/A Adv this period 3,653.06 19,619.10 3,163.89 Total ----- Master serv fees 29,245.44 Sub servicer fees 808.65 Trustee fees 1,099.94 Agg advances N/A Adv this period 26,436.05 -------------------------------------------------------------------------------- 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 2,757,959.84 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 10,681,593.00 Special Hazard 2,757,959.84 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 96.459612% 100.000000% 141,454,380.88 ----------------------------------------------------------------------------- Junior 3.540388% 0.000000% 5,191,844.84 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 8 2,433,988.33 60 to 89 days 1 190,425.06 90 or more 1 337,403.33 Foreclosure 1 433,620.81 Totals: 11 3,395,437.53 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 5,209,435.92 5,209,435.92 Principal remittance amount 4,410,612.85 4,410,612.85 Interest remittance amount 798,823.07 798,823.07

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