8-K 1 fh05fa4_8k0507.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): July 25, 2005 FH (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) , , 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: July 25, 2005 FH By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated July 25, 2005 Payment Date: 07/25/05 ------------------------------------------------------------ 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 ~~178~~176,~~188~~934,~~137~~095.6017 3.~~590000~~814380% 13,~~254~~417,~~042~~026.4358 ~~533~~562,~~079~~411.5156 13,~~787~~979,~~121~~438.9415 0.00 0.00 1A2 ~~178~~176,~~188~~934,~~137~~095.6017 1.~~910000~~685620% 0.00 ~~283~~248,~~616~~536.1237 ~~283~~248,~~616~~536.1237 0.00 0.00 1A3 7,~~176~~126,~~691~~184.7907 3.~~690000~~914380% 50137,~~507~~623.7290 2223,~~068~~245.3349 72160,~~576~~869.0439 0.00 0.00 1A4 7,~~176~~126,~~691~~184.7907 1.~~810000~~585620% 0.00 109,~~824~~416.8418 109,~~824~~416.8418 0.00 0.00 1A5 ~~850~~854,~~882~~781.0896 5.500000% 0.00 0.00 0.00 0.00 0.00 1A6 50,000,000.00 5.500000% 0.00 229,166.67 229,166.67 0.00 0.00 1PO 2,~~164~~162,~~830~~935.9188 0.000000% 18,~~895~~023.0323 0.00 18,~~895~~023.0323 0.00 0.00 Residual 1AR 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00 2A1 20,~~568~~267,~~712~~567.0794 5.000000% ~~301~~276,~~144~~497.1363 8584,~~702~~448.9720 ~~386~~360,~~847~~945.1083 0.00 0.00 2PO ~~258~~249,~~531~~702.3041 0.000000% 85,~~828~~956.8990 0.00 85,~~828~~956.8990 0.00 0.00 B1 5,~~163~~158,~~466~~790.0882 5.~~459627~~459736% 4,~~675~~659.2632 23,~~492~~471.1736 28,~~167~~130.4269 0.00 0.00 B2 1,~~902~~900,~~329~~607.6114 5.~~459627~~459736% 1,~~722~~716.4659 8,~~655~~647.0134 10,~~377~~363.4794 0.00 0.00 B3 1,~~358~~357,~~806~~576.8653 5.~~459627~~459736% 1,~~230~~226.3314 6,~~182~~176.1567 7,~~412~~402.4881 0.00 0.00 B4 1,~~087~~086,~~045~~061.4923 5.~~459627~~459736% ~~984~~980.2691 4,~~945~~941.7234 5,~~929~~922.9825 0.00 0.00 B5 ~~815~~814,~~284~~545.1292 5.~~459627~~459736% ~~738~~735.2068 3,~~709~~706.2900 4,~~447~~441.4969 0.00 0.00 B6 ~~544~~543,~~425~~932.3035 5.~~459627~~459736% ~~492~~491.9510 2,~~476~~474.9777 2,~~969~~965.9287 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~270~~268,~~079~~456,~~143~~781.2042 - 13,~~626~~854,~~261~~938.6600 1,~~213~~206,~~919~~641.7398 25,~~840~~061,~~181~~579.3998 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~176~~173,~~934~~517,~~095~~068.1758 0.00 1A2 ~~176~~173,~~934~~517,~~095~~068.1758 0.00 1A3 76,~~126~~988,~~184~~560.0717 0.00 1A4 76,~~126~~988,~~184~~560.0717 0.00 1A5 ~~854~~858,~~781~~699.9671 0.00 1A6 50,000,000.00 0.00 1PO 2,~~162~~154,~~935~~912.8865 0.00 Residual 1AR 0.00 0.00 2A1 2019,~~267~~991,~~567~~070.9430 0.00 2PO ~~249~~243,~~702~~745.4150 0.00 B1 5,~~158~~154,~~790~~131.8250 0.00 B2 1,~~900~~898,~~607~~890.1455 0.00 B3 1,~~357~~356,~~576~~350.5339 0.00 B4 1,~~086~~085,~~061~~080.2332 0.00 B5 ~~814~~813,~~545~~810.9224 0.00 B6 543,~~932~~441.3525 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~268~~264,~~456~~605,~~781~~761.4217 - --------------------------------------------------------------------------------

Payment Date: 07/25/05 ------------------------------------------------------------ (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 ~~178~~176,~~188~~934,~~137~~095.6017 3.~~590000~~814380% 32051GNS0 619.~~976204~~008826 23.~~965507~~128680 ~~984~~965.~~279568~~270742 1A2 ~~178~~176,~~188~~934,~~137~~095.6017 1.~~910000~~685620% 32051GNT8 0.000000 1.~~577749~~382601 ~~984~~965.~~279568~~270742 1A3 7,~~176~~126,~~691~~184.7907 3.~~690000~~914380% 32051GNU5 619.~~976204~~008826 3.~~048111~~210704 ~~984~~965.~~279568~~270742 1A4 7,~~176~~126,~~691~~184.7907 1.~~810000~~585620% 32051GNV3 0.000000 1.~~495144~~300578 ~~984~~965.~~279568~~270742 1A5 ~~850~~854,~~882~~781.0896 5.500000% 32051GNW1 0.000000 0.000000 1,~~009~~013.~~187674~~813117 1A6 50,000,000.00 5.500000% 32051GNX9 0.000000 4.583333 1,000.000000 1PO 2,~~164~~162,~~830~~935.9188 0.000000% 32051GNY7 03.~~874493~~702461 0.000000 ~~998~~994.~~124243~~421782 Residual 1AR 0.00 5.500000% 32051GNZ4 0.000000 0.000000 0.000000 2A1 20,~~568~~267,~~712~~567.0794 5.000000% 32051GPA7 1413.~~435056~~253649 4.~~108090~~047944 ~~971~~958.~~506468~~252819 2PO ~~258~~249,~~531~~702.3041 0.000000% 32051GPB5 3322.~~993960~~935927 0.000000 ~~961~~938.~~431596~~495669 B1 5,~~163~~158,~~466~~790.0882 5.~~459627~~459736% 32051GPC3 0.~~904655~~901572 4.~~545698~~541673 ~~998~~997.~~218038~~316466 B2 1,~~902~~900,~~329~~607.6114 5.~~459627~~459736% 32051GPD1 0.~~904655~~901572 4.~~545698~~541673 ~~998~~997.~~218038~~316466 B3 1,~~358~~357,~~806~~576.8653 5.~~459627~~459736% 32051GPE9 0.~~904655~~901572 4.~~545698~~541673 ~~998~~997.~~218038~~316466 B4 1,~~087~~086,~~045~~061.4923 5.~~459627~~459736% 32051GPF6 0.~~904655~~901572 4.~~545698~~541673 ~~998~~997.~~218038~~316466 B5 ~~815~~814,~~284~~545.1292 5.~~459627~~459736% 32051GPG4 0.~~904655~~901572 4.~~545698~~541673 ~~998~~997.~~218038~~316466 B6 ~~544~~543,~~425~~932.3035 5.~~459627~~459736% 32051GPH2 0.~~904655~~901258 4.~~545698~~541673 ~~998~~997.~~218038~~316779 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~270~~268,~~079~~456,~~143~~781.2042 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 243,499,486.88 21,106,274.22 264,605,761.10 Loan count 1180 131 1311 Avg loan rate 6.036389% 5.502103% 5.99 Prepay amount 3,401,484.01 207,587.57 3,609,071.58 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 116,786.40 9,884.25 126,670.65 Sub servicer fees 0.00 0.00 0.00 Trustee fees 1,235.32 106.96 1,342.28 Agg advances N/A N/A N/A Adv this period 17,791.81 0.00 17,791.81 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 0.00 Fraud 0.00 0.00 0.00 Special Hazard 0.00 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 268,456,781.42 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 15 3,040,217.53 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 15 3,040,217.53 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 5,061,579.98 5,061,579.98 Principal remittance amount 3,854,938.00 3,854,938.00 Interest remittance amount 1,206,641.98 1,206,641.98

Filing Compare · First Horizon Asset Sec Mort Pass Thr Certs Ser 2005-FA4