8-K 1 cwt04j8_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-J8) (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-J8 Alternative Loan Trust 2004-J8 ------------------------------------------------------------

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 3534,~~594~~947,~~567~~764.9683 7.000000% ~~646~~1,~~803~~640,201.1389 ~~207~~203,~~634~~861.9896 ~~854~~1,~~438~~844,063.1185 0.00 0.00 1X 18,~~657~~016,~~479~~388.2563 0.~~621090~~611804% 0.00 9,~~656~~185.6442 9,~~656~~185.6442 0.00 0.00 2A1 5047,~~181~~813,~~473~~516.9587 7.000000% 23,~~367~~205,~~957~~043.0898 ~~292~~278,~~725~~912.2618 23,~~660~~483,~~682~~956.3416 0.00 0.00 2X 3835,~~003~~814,~~118~~911.8900 0.~~603576~~618504% 0.00 1918,~~114~~459.8072 1918,~~114~~459.8072 0.00 0.00 3A1 5148,~~833~~560,~~108~~546.0154 6.500000% 3,~~272~~479,~~561~~597.4684 ~~280~~263,~~762~~036.6729 3,~~553~~742,~~324~~634.1314 0.00 0.00 3X 4845,~~327~~066,~~017~~450.9882 0.~~757875~~720855% 0.00 3027,~~521~~071.5599 3027,~~521~~071.5599 0.00 0.00 4A1 3836,~~164~~569,~~901~~805.5866 6.000000% 1,~~595~~876,~~095~~631.9232 ~~190~~182,~~824~~849.5103 12,~~785~~059,~~920~~480.4335 0.00 0.00 4X 2928,~~476~~453,~~334~~544.6506 0.~~316518~~322643% 0.00 7,~~774~~650.8227 7,~~774~~650.8227 0.00 0.00 PO-A1 1,~~407~~396,~~962~~985.1883 0.000000% 1061,~~976~~952.3503 0.00 1061,~~976~~952.3503 0.00 0.00 PO-B1 ~~321~~319,~~322~~041.5728 0.000000% 244,~~281~~557.2999 0.00 244,~~281~~557.2999 0.00 0.00 MIO 7,~~225~~206,~~407~~710.5341 1.~~136602~~136922% 0.00 6,~~843~~827.6889 6,~~843~~827.6889 0.00 0.00 Residual AR 0.00 7.000000% 0.00 0.1602 0.1602 0.00 0.00 P 100.00 0.000000% 0.00 6852,~~296~~428.7134 6852,~~296~~428.7134 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 5,~~218~~204,~~294~~791.5320 5.500000% 138,~~503~~979.3354 23,~~917~~855.1829 3732,~~420~~834.5183 0.00 0.00 B1 2,~~007~~001,~~113~~919.0021 5.500000% 53,~~193~~453.7980 9,~~199~~175.2746 1412,~~393~~629.0626 0.00 0.00 B2 ~~903~~900,~~175~~838.9480 6.~~636602~~636922% 21,~~337~~554.1417 4,~~995~~982.0233 76,~~332~~536.1650 0.00 0.00 B3 ~~702~~700,~~414~~597.8219 6.~~636602~~636922% 1,~~817~~208.6370 3,~~884~~874.7184 5,~~702~~083.3454 0.00 0.00 B4 ~~502~~500,~~151~~852.8746 6.~~636602~~636922% ~~1,299~~864.4109 2,~~777~~770.1510 43,~~076~~634.5719 0.00 0.00 B5 ~~401~~400,~~348~~309.4589 6.~~636602~~636922% ~~1,038~~690.5763 2,~~219~~214.6602 32,~~258~~904.2265 -0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~187~~179,~~237~~317,~~934~~069.8676 - 710,~~920~~324,~~865~~735.1099 1,~~161~~097,~~148~~155.7616 911,~~082~~421,~~013~~891.8615 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 3433,~~947~~307,~~764~~562.8394 0.00 1X 1816,~~016~~654,~~388~~369.6339 0.00 2A1 4744,~~813~~608,~~516~~472.8789 0.00 2X 3533,~~814~~455,~~911~~298.0087 0.00 3A1 4845,~~560~~080,~~546~~948.5470 0.00 3X 4543,~~066~~376,~~450~~933.8265 0.00 4A1 3634,~~569~~693,~~805~~174.6634 0.00 4X 2826,~~453~~917,~~544~~883.0680 0.00 PO-A1 1,~~396~~335,~~985~~033.8380 0.00 PO-B1 ~~319~~274,~~041~~483.2829 0.00 MIO 7,~~206~~194,~~710~~277.4107 0.00 Residual AR 0.00 0.00 P 100.00 0.00 -------------------------------------------------------------------------------- Subordinate M 5,~~204~~195,~~791~~811.2066 0.00 B1 21,~~001~~998,~~919~~465.2141 0.00 B2 ~~900~~899,~~838~~284.8063 0.00 B3 ~~700~~699,~~597~~388.1949 0.00 B4 ~~500~~499,~~852~~988.4637 0.00 B5 ~~400~~399,~~309~~619.8925 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~179~~168,~~317~~992,~~069~~333.7677 - --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J8 Alternative Loan Trust 2004-J8 ------------------------------------------------------------

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 3534,~~594~~947,~~567~~764.9683 7.000000% 12667FSF3 1743.~~258669~~765560 5.~~540331~~439655 ~~932~~888.~~512336~~746776 1X 18,~~657~~016,~~479~~388.2563 0.~~621090~~611804% 12667FSG1 0.000000 0.~~477767~~454453 ~~891~~823.~~369489~~982932 2A1 5047,~~181~~813,~~473~~516.9587 7.000000% 12667FSH9 4358.~~150265~~404140 5.~~334207~~082497 ~~871~~812.~~285181~~881041 2X 3835,~~003~~814,~~118~~911.8900 0.~~603576~~618504% 12667FSJ5 0.000000 0.~~464782~~448853 ~~870~~813.~~849670~~475035 3A1 5148,~~833~~560,~~108~~546.0154 6.500000% 12667FSK2 5862.~~710132~~424389 54.~~036915~~718902 ~~871~~808.~~181833~~757444 3X 4845,~~327~~066,~~017~~450.9882 0.~~757875~~720855% 12667FSL0 0.000000 0.~~584466~~518409 ~~862~~830.~~990243~~637200 4A1 3836,~~164~~569,~~901~~805.5866 6.000000% 12667FSM8 3844.~~226033~~972952 4.~~573057~~381926 ~~876~~831.~~385297~~412345 4X 2928,~~476~~453,~~334~~544.6506 0.~~316518~~322643% 12667FSN6 0.000000 0.~~236268~~232483 ~~864~~818.~~669570~~002670 PO-A1 1,~~407~~396,~~962~~985.1883 0.000000% 12667FSP1 741.~~396131~~744789 0.000000 ~~941~~899.~~323067~~578278 PO-B1 ~~321~~319,~~322~~041.5728 0.000000% 12667FTT2 7137.~~037521~~456402 0.000000 ~~984~~846.~~206604~~750202 MIO 7,~~225~~206,~~407~~710.5341 1.~~136602~~136922% 12667FTR6 0.000000 0.~~943695~~941518 ~~993~~992.~~754883~~040412 Residual AR 0.00 7.000000% 12667FSQ9 0.000000 10.~~626556~~180517 0.000000 P 100.00 0.000000% 12667FTS4 0.000000 ~~682~~524,~~967~~283.~~100000~~400000 1,000.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 5,~~218~~204,~~294~~791.5320 5.500000% 12667FSR7 21.~~578202~~714471 4.~~566527~~554710 ~~993~~992.~~754883~~040412 B1 2,~~007~~001,~~113~~919.0021 5.500000% 12667FSS5 21.~~578202~~714471 4.~~566527~~554710 ~~993~~992.~~754883~~040412 B2 ~~903~~900,~~175~~838.9480 6.~~636602~~636922% 12667FST3 21.~~578202~~714471 5.~~510222~~496228 ~~993~~992.~~754883~~040412 B3 ~~702~~700,~~414~~597.8219 6.~~636602~~636922% 12667FTH8 21.~~578202~~714471 5.~~510222~~496228 ~~993~~992.~~754883~~040412 B4 ~~502~~500,~~151~~852.8746 6.~~636602~~636922% 12667FTJ4 21.~~578202~~714471 5.~~510222~~496228 ~~993~~992.~~754883~~040412 B5 ~~401~~400,~~348~~309.4589 6.~~636602~~636922% 12667FTK1 21.~~578202~~714471 5.~~510222~~496228 ~~993~~992.~~754883~~040412 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~187~~179,~~237~~317,~~934~~069.8676 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J8 Alternative Loan Trust 2004-J8 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 36,064,356.23 47,946,949.89 48,058,786.42 Loan count 330 280 113 Avg loan rate 7.398000% 7.652964% 7.371157% Prepay amount 1,626,649.79 3,227,304.28 3,459,032.87 Total ----- Prin balance 36,922,141.23 168,992,233.77 Loan count 94 817 Avg loan rate 6.472440% 7.26 Prepay amount 1,702,675.30 10,015,662.24 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 6,996.65 5,772.74 5,730.04 Sub servicer fees 25.25 1,658.26 157.78 Trustee fees 282.88 384.04 386.79 Agg advances N/A N/A N/A Adv this period 11,663.83 19,295.63 5,649.78 Total ----- Master serv fees 7,093.35 25,592.79 Sub servicer fees 0.00 1,841.28 Trustee fees 291.17 1,344.88 Agg advances N/A N/A Adv this period 0.00 36,609.24 -------------------------------------------------------------------------------- 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 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 806,000.00 1,166,443.94 1,175,253.29 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 880,335.83 4,028,033.06 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.594233% 100.000000% 169,607,761.01 ----------------------------------------------------------------------------- Junior 5.405767% 0.000000% 9,692,557.81 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 22 3,759,595.26 60 to 89 days 6 819,612.21 90 or more 2 220,681.74 Foreclosure 2 334,375.72 Totals: 32 5,134,264.93 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 11,421,891.15 11,421,891.15 Principal remittance amount 10,324,735.99 10,324,735.99 Interest remittance amount 1,097,155.16 1,097,155.16

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