8-K 1 fh05ar3_8k0508.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): August 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) 4000 Horizon Way, Irving, TX 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: August 25, 2005 FH By: /s/ Kelly Crosson ------------------------------ Name: Kelly Crosson Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated August 25, 2005 Payment Date: 08/25/05 ------------------------------------------------------------ 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 36,~~583~~140,~~000~~555.0047 5.~~198026~~201785% ~~442~~1,~~444~~653,954.5387 ~~158~~156,~~466~~662.1685 ~~600~~1,~~910~~810,617.6972 0.00 0.00 2A1 ~~116~~115,~~477~~454,~~000~~121.0076 5.~~396317~~397646% 14,~~022~~688,~~878~~169.2478 ~~523~~519,~~789~~317.04 15,~~546~~207,~~667~~486.2882 0.00 0.00 Residual 2AR ~~100~~0.00 5.~~396317~~397646% ~~100~~0.00 0.5600 ~~100~~0.5600 0.00 0.00 3A1 3938,~~491~~500,~~000~~187.0014 5.~~509148~~511054% ~~990~~950,~~812~~107.8628 ~~181~~176,~~301~~813.4683 1,~~172~~126,~~114~~921.3211 0.00 0.00 4A1 ~~110~~108,~~743~~185,~~000~~833.0013 5.~~563952~~560933% 2,~~557~~761,~~166~~054.8767 ~~513~~501,~~473~~345.9216 3,~~070~~262,~~640~~399.7983 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 5,~~515~~513,~~000~~837.0027 5.~~448296~~448403% 1,~~162~~141.7318 25,~~039~~034.4667 26,~~202~~175.1986 0.00 0.00 B2 2,~~363~~362,~~000~~501.0081 5.~~448296~~448403% ~~498~~488.1996 10,~~728~~726.6055 11,~~226~~215.7951 0.00 0.00 B3 1,~~418~~417,~~000~~701.0004 5.~~448296~~448403% ~~298~~293.9642 6,~~438~~436.0784 6,~~737~~730.0326 0.00 0.00 B4 1,~~103~~102,~~000~~767.0045 5.~~448296~~448403% ~~232~~228.5524 5,~~007~~006.8993 5,~~240~~235.4417 0.00 0.00 B5 ~~788~~787,~~000~~833.0087 5.~~448296~~448403% ~~166~~163.1306 3,577.7103 3,~~743~~740.8509 0.00 0.00 B6 630,~~283~~150.6173 5.~~448296~~448403% ~~132~~130.8842 2,861.6410 2,~~994~~991.5352 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~315~~310,~~111~~095,~~383~~489.6167 - 510,~~015~~055,~~893~~731.9487 1,~~430~~407,~~684~~782.5201 611,~~446~~463,~~578~~513.4688 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 3634,~~140~~486,~~555~~600.4760 0.00 2A1 ~~115~~110,~~454~~765,~~121~~952.7600 0.00 Residual 2AR 0.00 0.00 3A1 3837,~~500~~550,~~187~~079.1486 0.00 4A1 ~~108~~105,~~185~~424,~~833~~778.1350 0.00 -------------------------------------------------------------------------------- Subordinate B1 5,~~513~~512,~~837~~696.2709 0.00 B2 2,362,~~501~~012.8185 0.00 B3 1,417,~~701~~407.0463 0.00 B4 1,102,~~767~~539.4522 0.00 B5 787,~~833~~670.8781 0.00 B6 630,~~150~~020.7331 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~310~~300,~~095~~039,~~489~~757.6786 - --------------------------------------------------------------------------------

Payment Date: 08/25/05 ------------------------------------------------------------ (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 36,~~583~~140,~~000~~555.0047 5.~~198026~~201785% 32051GQK4 1245.~~094266~~211023 4.~~331688~~282395 ~~987~~942.~~905734~~694711 2A1 ~~116~~115,~~477~~454,~~000~~121.0076 5.~~396317~~397646% 32051GQL2 840.~~781804~~249747 4.~~496931~~458537 ~~991~~950.~~218196~~968449 Residual 2AR ~~100~~0.00 5.~~396317~~397646% 32051GQM0 ~~1,000~~0.000000 50.~~566191~~000000 0.000000 3A1 3938,~~491~~500,~~000~~187.0014 5.~~509148~~511054% 32051GQN8 2524.~~089587~~058831 4.~~590956~~477320 ~~974~~950.~~910413~~851583 4A1 ~~110~~108,~~743~~185,~~000~~833.0013 5.~~563952~~560933% 32051GQP3 2324.~~091002~~932092 4.~~636626~~527105 ~~976~~951.~~908998~~976906 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 5,~~515~~513,~~000~~837.0027 5.~~448296~~448403% 32051GQQ1 0.~~210830~~206923 4.~~540246~~539379 999.~~789170~~582246 B2 2,~~363~~362,~~000~~501.0081 5.~~448296~~448403% 32051GQR9 0.~~210830~~206923 4.~~540246~~539379 999.~~789170~~582246 B3 1,~~418~~417,~~000~~701.0004 5.~~448296~~448403% 32051GQS7 0.~~210830~~206923 4.~~540246~~539379 999.~~789170~~582246 B4 1,~~103~~102,~~000~~767.0045 5.~~448296~~448403% 32051GQT5 0.~~210830~~206923 4.~~540246~~539379 999.~~789170~~582247 B5 ~~788~~787,~~000~~833.0087 5.~~448296~~448403% 32051GQU2 0.~~210830~~206923 4.~~540246~~539379 999.~~789170~~582246 B6 630,~~283~~150.6173 5.~~448296~~448403% 32051GQV0 0.~~210830~~206923 4.~~540246~~539379 999.~~789170~~582246 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~315~~310,~~111~~095,~~383~~489.6167 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 35,911,810.50 115,301,951.50 39,088,616.60 Loan count 64 215 68 Avg loan rate 5.451785% 5.647646% 5.761054% Prepay amount 1,651,033.15 4,660,167.96 939,935.02 Total ----- Prin balance 109,737,379.20 300,039,757.80 Loan count 182 529 Avg loan rate 5.810933% 5.70 Prepay amount 2,740,412.26 9,991,548.39 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 6,210.30 18,358.60 8,141.29 Sub servicer fees 0.00 0.00 0.00 Trustee fees 187.83 599.96 200.20 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 Total ----- Master serv fees 22,292.00 55,002.19 Sub servicer fees 0.00 0.00 Trustee fees 562.50 1,550.48 Agg advances N/A N/A Adv this period 0.00 0.00 -------------------------------------------------------------------------------- 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 0.00 0.00 0.00 Special Hazard 0.00 0.00 0.00 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 96.190709% 100.000000% 298,280,697.50 ----------------------------------------------------------------------------- Junior 3.809291% 0.000000% 11,812,346.90 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 4 2,516,230.00 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 4 2,516,230.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 11,463,513.88 11,463,513.88 Principal remittance amount 10,055,731.87 10,055,731.87 Interest remittance amount 1,407,782.01 1,407,782.01

Filing Compare · First Horizon Mort Pass Thr Trust 2005-AR3