8-K 1 fh04aa1_8k0502.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): February 25, 2005 First Horizon (Depositor) (Issuer in respect of First Horizon Mortgage Pass-Through Trust, Mortgage (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) 4000 Horizon Way, Irving, TX, , N/A 75063 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (214) 441-4000 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: February 25, 2005 First Horizon By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett VP The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated February 25, 2005 Payment Date: 02/25/05 ------------------------------------------------------------ First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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~~A1 97179,~~153~~686,~~000~~890.0018 4.~~765161~~819963% ~~507~~3,~~787~~999,473.6571 ~~385~~721,~~791~~736.4077 ~~893~~4,~~579~~721,210.0547 0.00 0.00 ~~1A2~~A2 124,~~628~~754,~~000~~157.0084 4.~~765161~~819963% 8795,~~509~~816.0462 699,~~464~~428.7343 14895,~~973~~245.7706 0.00 0.00 ~~2A1~~A3 ~~340~~11,~~414~~000,000.00 54.~~236850~~819963% ~~3,088,378~~0.1500 144,~~485,580~~182.99 444,~~573,959~~182.1599 0.00 0.00 ~~2A2~~Residual ~~5,704,000~~AR 0.00 54.~~236850~~819963% ~~51,749.07 24,892.50 76,641.57~~ 0.00 0.00 ~~Residual 2AR 100~~0.00 ~~5.236850% 100.00~~ 0.~~44 100.44 0.~~00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 1310,~~008~~402,~~000~~803.0056 54.~~132128~~819963% 12,~~726~~920.8278 5541,~~632~~784.27 5744,~~359~~705.1005 0.00 0.00 B2 52,~~204~~889,~~000~~667.0065 54.~~132128~~819963% ~~690~~811.8433 2211,~~256~~606.3374 2212,~~947~~418.1707 0.00 0.00 B3 31,~~312~~733,~~000~~800.0059 54.~~132128~~819963% ~~439~~486.6780 146,~~164~~964.6705 147,~~604~~450.3584 0.00 0.00 B4 21,~~838~~589,~~000~~317.0021 54.~~132128~~819963% ~~376~~446.7523 126,~~137~~383.4871 126,~~514~~829.2394 0.00 0.00 B5 21,~~365~~300,~~000~~350.0044 54.~~132128~~819963% ~~313~~365.96 10 5,~~114~~223.5703 105,~~428~~588.5313 0.00 0.00 B6 1867,~~419,780~~363.0066 54.~~132128~~819963% ~~188~~243.2853 63,~~072~~483.0888 63,~~260~~727.3541 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~473~~234,~~045~~224,~~880~~351.0014 - 34,~~660~~800,~~260~~564.2208 2940,~~023,107~~793.4687 5,~~683~~741,~~367~~357.6895 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior ~~1A1~~A1 96175,~~645~~687,~~212~~416.3548 0.00 ~~1A2~~A2 123,~~619~~958,~~490~~341.9622 0.00 ~~2A1~~A3 ~~337~~11,~~325~~000,~~621~~000.~~85 0.~~00 ~~2A2 5,652,250.93~~ 0.00 Residual ~~2AR~~AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate B1 1310,~~006~~399,~~273~~882.1878 0.00 B2 52,~~203~~888,~~309~~856.1633 0.00 B3 31,~~311~~733,~~560~~313.3380 0.00 B4 21,~~837~~588,~~623~~870.2598 0.00 B5 21,~~364~~299,~~686~~985.0435 0.00 B6 1867,~~419,591~~120.7214 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~469~~229,~~385~~423,~~619~~787.7807 - --------------------------------------------------------------------------------

Payment Date: 02/25/05 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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~~A1 97179,~~153~~686,~~000~~890.0018 4.~~765161~~819963% ~~32051GEZ4~~32051D3G5 517.~~226680~~684814 3.~~970967~~191365 ~~994~~776.~~773320~~852027 ~~1A2~~A2 124,~~628~~754,~~000~~157.0084 4.~~765161~~819963% ~~32051GFA8~~32051D3H3 523.~~226680~~406371 32.~~970967~~924366 ~~994~~704.~~773320~~657095 ~~2A1~~A3 ~~340~~11,~~414~~000,000.00 54.~~236850~~819963% ~~32051GFB6~~32051D3J9 90.~~072418~~000000 4.~~364042~~016636 ~~990.927582 2A2 5~~1,~~704,~~000.00000000 ~~5.236850% 32051GFC4 9.072418 4.364042 990.927582~~ Residual ~~2AR~~AR ~~100~~0.00 54.~~236850~~819963% ~~32051GFD2~~32051D3K6 ~~1,000~~0.000000 40.~~364042~~000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 1310,~~008~~402,~~000~~803.0056 54.~~132128~~819963% ~~32051GFE0~~32051D3M2 0.~~132751~~279768 4.~~276774~~002325 ~~999~~996.~~867249~~157355 B2 52,~~204~~889,~~000~~667.0065 54.~~132128~~819963% ~~32051GFF7~~32051D3N0 0.~~132751~~279768 4.~~276774~~002325 ~~999~~996.~~867249~~157355 B3 31,~~312~~733,~~000~~800.0059 54.~~132128~~819963% ~~32051GFG5~~32051D3P5 0.~~132751~~279768 4.~~276774~~002325 ~~999~~996.~~867249~~157355 B4 21,~~838~~589,~~000~~317.0021 54.~~132128~~819963% ~~32051GFH3~~32051D3Q3 0.~~132751~~279768 4.~~276774~~002325 ~~999~~996.~~867249~~157355 B5 21,~~365~~300,~~000~~350.0044 54.~~132128~~819963% ~~32051GFJ9~~32051D3R1 0.~~132751~~279768 4.~~276774~~002325 ~~999~~996.~~867249~~157355 B6 1867,~~419,780~~363.0066 54.~~132128~~819963% ~~32051GFK6~~32051D3S9 0.~~132610~~279766 4.~~276774~~002325 ~~999~~996.~~867446~~157383 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~473~~234,~~045~~224,~~880~~351.0014 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 229,423,786.77 229,423,786.77 Loan count 882 882 Avg loan rate 5.225963% 5.23 Prepay amount 4,734,801.36 4,734,801.36 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 78,074.78 78,074.78 Sub servicer fees 0.00 0.00 Trustee fees 1,171.12 1,171.12 Agg advances N/A N/A Adv this period 21,977.11 21,977.11 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 Fraud 0.00 0.00 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 91.982707% 100.000000% 215,441,048.02 ----------------------------------------------------------------------------- Junior 8.017293% 0.000000% 18,778,029.37 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 13 3,821,063.74 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 13 3,821,063.74 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 Totals: 0 N/A Current Total Outstanding Balance: 568,820.56 Current Total Outstanding Number of Loans: 3 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 5,741,357.95 5,741,357.95 Principal remittance amount 4,800,564.08 4,800,564.08 Interest remittance amount 940,793.87 940,793.87

Filing Compare · First Horizon Asset Sec Mort Pas Thr Certs Ser 2004-AA7