8-K 1 cwt04j7_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-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) 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-J7 Alternative Loan Trust 2004-J7 ------------------------------------------------------------

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 ~~140~~110,~~791~~063,~~000~~961.0099 12.~~840000~~380000% 118,~~204~~699,~~809~~971.9264 ~~201~~225,~~487~~569.5698 118,~~406~~925,~~297~~541.4862 0.00 0.00 1A2 55,700,000.00 4.673000% 0.00 216,905.08 216,905.08 0.00 0.00 1A3 10,000,000.00 5.336000% 0.00 44,466.67 44,466.67 0.00 0.00 1A4 32,509,000.00 5.850000% 0.00 158,481.38 158,481.38 0.00 0.00 1A5 30,337,000.00 5.027000% 0.00 127,086.75 127,086.75 0.00 0.00 1A6 34,000,000.00 5.013000% 0.00 142,035.00 142,035.00 0.00 0.00 1AIO ~~320~~254,~~144~~080,~~702~~980.3860 1.300000% 0.00 ~~346~~275,~~823~~254.4340 ~~346~~275,~~823~~254.4340 0.00 0.00 2A1 ~~235~~222,~~434~~388,~~000~~982.0043 2.~~030000~~570000% 28,~~616~~106,~~912~~741.9445 ~~371~~492,~~724~~159.1317 28,~~988~~598,~~637~~900.0762 0.00 0.00 2AIO ~~248~~197,~~479~~608,~~197~~232.3334 0.550000% 0.00 ~~113~~90,~~886~~570.3044 ~~113~~90,~~886~~570.3044 0.00 0.00 3A1 ~~124~~122,~~537~~974,~~000~~503.0040 2.~~020000~~560000% ~~777~~618,~~738~~072.4077 ~~195~~271,~~661~~090.46 ~~973~~889,~~399~~163.8623 0.00 0.00 3AIO ~~131~~104,~~437~~375,~~391~~396.8810 0.650000% 0.00 7156,~~195~~536.2567 7156,~~195~~536.2567 0.00 0.00 C ~~700~~654,~~061~~726,~~291~~639.5941 0.000000% 0.00 1973,~~364,495~~996.8958 1973,~~364,495~~996.8958 0.00 0.00 P 100.00 0.000000% 0.00 1861,~~370~~637.8927 1861,~~370~~637.8927 0.00 0.00 Residual AR ~~100~~0.00 0.000000% ~~100~~0.00 0.00 ~~100~~0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M1 15,401,000.00 2.~~320000~~860000% 0.00 2737,~~790~~929.2524 2737,~~790~~929.2524 0.00 0.00 M2 12,251,000.00 23.~~790000~~330000% 0.00 2635,~~584~~129.6774 2635,~~584~~129.6774 0.00 0.00 B 9,101,191.59 34.~~740000~~280000% 0.00 2633,~~474~~542.3695 2633,~~474~~542.3695 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - 1,~~400~~354,~~122~~788,~~683~~031.1800 - 1417,~~599~~424,~~561~~785.2686 3,~~453~~242,~~469~~391.0777 1820,~~053~~667,~~030~~177.3363 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~129~~101,~~586~~363,~~190~~990.0835 ~~14,391~~0.9700 1A2 55,700,000.00 0.00 1A3 10,000,000.00 0.00 1A4 32,509,000.00 0.00 1A5 30,337,000.00 0.00 1A6 34,000,000.00 0.00 1AIO ~~296~~235,~~408~~239,~~182~~490.3112 0.00 2A1 ~~232~~214,~~817~~282,~~087~~240.0698 ~~26,551~~0.7200 2AIO ~~230~~183,~~212~~081,~~217~~037.4594 0.00 3A1 ~~123~~122,~~759~~356,~~261~~430.6063 ~~13,975~~0.8200 3AIO ~~121~~96,~~715~~654,~~662~~539.7360 0.00 C ~~685~~637,~~461~~301,~~729~~853.7755 0.00 P 100.00 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M1 15,401,000.00 ~~1,985~~0.0200 M2 12,251,000.00 ~~1,898~~0.9000 B 9,101,191.59 ~~1,891~~0.0300 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - 1,~~385~~337,~~523~~363,~~121~~245.9214 ~~60,694.46~~- --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J7 Alternative Loan Trust 2004-J7 ------------------------------------------------------------

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 ~~140~~110,~~791~~063,~~000~~961.0099 12.~~840000~~380000% 12667FSU0 7961.~~584703~~793521 1.~~431111~~602162 ~~920~~719.~~415297~~960724 1A2 55,700,000.00 4.673000% 12667FSV8 0.000000 3.894167 1,000.000000 1A3 10,000,000.00 5.336000% 12667FSX4 0.000000 4.446667 1,000.000000 1A4 32,509,000.00 5.850000% ~~12667FSY2~~12667FSZ9 0.000000 4.875000 1,000.000000 1A5 30,337,000.00 5.027000% ~~12667FSZ9~~12667FTA3 0.000000 4.189167 1,000.000000 1A6 34,000,000.00 5.013000% ~~12667FTA3~~12667FSY2 0.000000 4.177500 1,000.000000 1AIO ~~320~~254,~~144~~080,~~702~~980.3860 1.300000% 12667FTB1 0.000000 10.~~083333~~859781 ~~925~~734.~~856902~~791138 2A1 ~~235~~222,~~434~~388,~~000~~982.0043 2.~~030000~~570000% 12667FTL9 1134.~~115272~~433181 12.~~578889~~090434 ~~988~~910.~~884728~~158435 2AIO ~~248~~197,~~479~~608,~~197~~232.3334 0.550000% 12667FTC9 0.000000 0.~~458333~~364499 ~~926~~736.~~484872~~806300 3A1 ~~124~~122,~~537~~974,~~000~~503.0040 2.~~020000~~560000% 12667FTM7 64.~~245039~~962965 12.~~571111~~176787 ~~993~~982.~~754961~~490590 3AIO ~~131~~104,~~437~~375,~~391~~396.8810 0.650000% 12667FTD7 0.000000 0.~~541667~~430141 ~~926~~735.~~035286~~365623 C ~~700~~654,~~061~~726,~~291~~639.5941 0.000000% 12667FTN5 0.000000 1.~~949109~~391302 ~~979~~910.~~145309~~351510 P 100.00 0.000000% 12667FTP0 0.000000 ~~183~~616,~~708~~372.~~900000~~700000 1,000.000000 Residual AR ~~100~~0.00 0.000000% 12667FTQ8 ~~1,000~~0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M1 15,401,000.00 2.~~320000~~860000% 12667FTE5 0.000000 12.~~804444~~462778 1,000.000000 M2 12,251,000.00 23.~~790000~~330000% 12667FTF2 0.000000 2.~~170000~~867500 1,000.000000 B 9,101,191.59 34.~~740000~~280000% 12667FTG0 0.000000 23.~~908889~~685556 1,000.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - 1,~~400~~354,~~122~~788,~~683~~031.1800 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J7 Alternative Loan Trust 2004-J7 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 280,717,592.68 227,327,438.38 129,256,822.49 Loan count 1272 1114 668 Avg loan rate 6.947353% 5.523256% 5.699650% Prepay amount 8,499,848.56 8,106,741.45 553,500.25 Total ----- Prin balance 637,301,853.55 Loan count 3054 Avg loan rate 6.19 Prepay amount 17,160,090.26 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 56,222.84 66,934.19 40,066.63 Sub servicer fees 12,395.04 3,561.82 0.00 Trustee fees 2,170.63 1,765.76 974.06 Agg advances N/A N/A N/A Adv this period 129,145.38 26,470.50 32,707.83 Total ----- Master serv fees 163,223.66 Sub servicer fees 15,956.86 Trustee fees 4,910.45 Agg advances N/A Adv this period 188,323.71 -------------------------------------------------------------------------------- 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 6,402,894.05 4,969,583.95 2,628,747.84 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 14,001,225.83 Special Hazard 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 97.287163% 100.000000% 1,318,034,839.41 ----------------------------------------------------------------------------- Junior 2.712837% 0.000000% 36,753,191.59 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 106 22,834,426.83 60 to 89 days 19 2,861,637.36 90 or more 13 3,159,794.63 Foreclosure 5 976,244.70 Totals: 143 29,832,103.52 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 20,667,177.63 20,667,177.63 Principal remittance amount 17,424,785.86 17,424,785.86 Interest remittance amount 3,242,391.77 3,242,391.77

Filing Compare · Alternative Loan Trust 2004-J7