8-K 1 cwt05j1_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 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2005-J1) (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 CWT By: /s/ Maria Tokarz ------------------------------ Name: Maria Tokarz Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated July 25, 2005 Payment Date: 07/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J1 Alternative Loan Trust 2005-J1 ------------------------------------------------------------

Payment Date: 07/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J1 Alternative Loan Trust 2005-J1 ------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J1 Alternative Loan Trust 2005-J1 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 238,249,585.61 71,614,446.56 203,607,739.26 Loan count 804 273 466 Avg loan rate 6.196890% 5.961474% 7.005223% Prepay amount 5,414,102.17 1,535,126.55 7,799,555.90 Prin balance 37,397,464.97 119,359,930.96 34,537,143.64 Loan count 85 405 109 Avg loan rate 6.592702% 6.139153% 5.524579% Prepay amount 1,190,218.30 4,801,503.45 701,632.04 Total ----- Prin balance 34,450,740.98 739,217,051.98 Loan count 96 2238 Avg loan rate 5.817922% 6.36 Prepay amount 189,604.29 21,631,742.70 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 48,971.88 13,705.90 38,050.96 Sub servicer fees 0.00 0.00 0.00 Trustee fees 1,828.60 549.87 1,587.39 Agg advances N/A N/A N/A Adv this period 20,727.83 7,597.43 33,251.87 Master serv fees 7,129.31 23,084.96 6,694.70 Sub servicer fees 0.00 0.00 0.00 Trustee fees 290.93 931.72 265.29 Agg advances N/A N/A N/A Adv this period 4,287.15 6,622.61 6,062.57 Total ----- Master serv fees 7,243.92 144,881.62 Sub servicer fees 0.00 0.00 Trustee fees 260.78 5,714.58 Agg advances N/A N/A Adv this period 0.00 78,549.46 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 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 5,337,168.20 1,593,328.58 5,375,697.46 Special Hazard 0.00 0.00 0.00 Bankruptcy 0.00 0.00 0.00 Fraud 899,233.74 2,663,068.70 749,569.02 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 749,361.17 17,367,426.87 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 96.064253% 100.000000% 731,914,329.36 ----------------------------------------------------------------------------- Junior 3.935747% 0.000000% 29,986,490.41 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 35 8,555,610.14 60 to 89 days 4 1,574,878.84 90 or more 1 361,317.05 Foreclosure 1 250,426.03 Totals: 41 10,742,232.06 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 26,597,412.93 26,597,412.93 Principal remittance amount 22,726,598.97 22,726,598.97 Interest remittance amount 3,870,813.96 3,870,813.96

CWALT, Inc. Alternative Loan Trust 2005-J1 8-K