8-K 1 fh05fa4_8k0510.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): October 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: October 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 October 25, 2005 Payment Date: 10/25/05 ------------------------------------------------------------ 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 ~~173~~168,~~517~~802,~~068~~190.5870 34.~~960000~~330000% 34,~~141~~393,~~728~~960.4043 ~~572~~609,~~606~~094.3357 35,~~714~~003,~~334~~055.7300 0.00 0.00 1A2 ~~173~~168,~~517~~802,~~068~~190.5870 1.~~540000~~170000% 0.00 ~~222~~164,~~680~~582.2414 ~~222~~164,~~680~~582.2414 0.00 0.00 1A3 6,~~988~~798,~~560~~664.1711 4.~~060000~~430000% ~~126~~176,~~536~~970.0181 2325,~~644~~098.6340 ~~150~~202,~~180~~069.6422 0.00 0.00 1A4 6,~~988~~798,~~560~~664.1711 1.~~440000~~070000% 0.00 86,~~386~~062.2714 86,~~386~~062.2714 0.00 0.00 1A5 ~~858~~866,~~699~~589.7117 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,~~154~~142,~~912~~443.6533 0.000000% 1021,~~617~~960.4363 0.00 1021,~~617~~960.4363 0.00 0.00 Residual 1AR 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00 2A1 19,~~991~~441,~~070~~894.3085 5.000000% 9088,~~173~~787.4123 8381,~~296~~007.1390 ~~173~~169,~~469~~795.5412 0.00 0.00 2PO ~~243~~241,~~745~~540.5024 0.000000% 1,007.5456 0.00 1,007.5456 0.00 0.00 B1 5,~~154~~144,~~131~~672.5027 5.~~459847~~460070% 4,~~702~~814.5968 23,~~450~~408.6456 28,~~153~~223.2324 0.00 0.00 B2 1,~~898~~895,~~890~~405.5557 5.~~459847~~460070% 1,~~732~~773.5383 8,~~639~~624.7121 10,~~372~~398.2403 0.00 0.00 B3 1,~~356~~353,~~350~~861.3912 5.~~459847~~460070% 1,~~237~~267.5202 6,~~171~~160.2215 7,~~408~~427.7417 0.00 0.00 B4 1,~~085~~083,~~080~~088.3290 5.~~459847~~460070% ~~990~~1,013.0262 4,~~936~~928.9812 5,~~927~~941.0073 0.00 0.00 B5 ~~813~~812,~~810~~316.2467 5.~~459847~~460070% ~~742~~760.5121 3,~~702~~696.7309 4,~~445~~456.2430 0.00 0.00 B6 ~~543~~542,~~441~~443.2589 5.~~459847~~460070% ~~495~~507.8365 2,~~472~~468.5915 2,~~968~~975.4280 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~264~~259,~~605~~125,~~761~~110.1782 - 34,~~379~~692,~~963~~823.7967 1,~~189~~164,~~154~~297.1308 45,~~569~~857,~~117~~120.9275 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~170~~164,~~375~~408,~~345~~230.1927 0.00 1A2 ~~170~~164,~~375~~408,~~345~~230.1927 0.00 1A3 6,~~862~~621,~~024~~693.3630 0.00 1A4 6,~~862~~621,~~024~~693.3630 0.00 1A5 ~~862~~870,~~635~~561.4203 0.00 1A6 50,000,000.00 0.00 1PO 2,~~144~~120,~~295~~482.2870 0.00 Residual 1AR 0.00 0.00 2A1 19,~~900~~353,~~897~~107.0162 0.00 2PO ~~242~~240,~~737~~532.9667 0.00 B1 5,~~149~~139,~~428~~857.9259 0.00 B2 1,~~897~~893,~~158~~631.0274 0.00 B3 1,~~355~~352,~~112~~594.8710 0.00 B4 1,~~084~~082,~~090~~075.3028 0.00 B5 ~~813~~811,~~067~~556.7246 0.00 B6 ~~542~~541,~~945~~936.4224 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~261~~254,~~229~~436,~~738~~259.4702 - --------------------------------------------------------------------------------

Payment Date: 10/25/05 ------------------------------------------------------------ (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 ~~173~~168,~~517~~802,~~068~~190.5870 34.~~960000~~330000% 32051GNS0 1724.~~477350~~443483 3.~~185393~~388377 ~~947~~914.~~793420~~598522 1A2 ~~173~~168,~~517~~802,~~068~~190.5870 1.~~540000~~170000% 32051GNT8 0.000000 10.~~238764~~915566 ~~947~~914.~~793420~~598522 1A3 6,~~988~~798,~~560~~664.1711 4.~~060000~~430000% 32051GNU5 1724.~~477349~~443483 3.~~265833~~466630 ~~947~~914.~~793420~~598522 1A4 6,~~988~~798,~~560~~664.1711 1.~~440000~~070000% 32051GNV3 0.000000 10.~~158325~~837312 ~~947~~914.~~793420~~598522 1A5 ~~858~~866,~~699~~589.7117 5.500000% 32051GNW1 0.000000 0.000000 1,~~018~~027.~~459761~~817042 1A6 50,000,000.00 5.500000% 32051GNX9 0.000000 4.583333 1,000.000000 1PO 2,~~154~~142,~~912~~443.6533 0.000000% 32051GNY7 410.~~899597~~134115 0.000000 ~~989~~978.~~522213~~533484 Residual 1AR 0.00 5.500000% 32051GNZ4 0.000000 0.000000 0.000000 2A1 19,~~991~~441,~~070~~894.3085 5.000000% 32051GPA7 4.~~322376~~255931 3.~~992720~~883036 ~~953~~927.~~930448~~672688 2PO ~~243~~241,~~745~~540.5024 0.000000% 32051GPB5 3.~~879341~~879436 0.000000 ~~934~~926.~~616304~~125275 B1 5,~~154~~144,~~131~~672.5027 5.~~459847~~460070% 32051GPC3 0.~~909944~~931632 4.~~537663~~529520 ~~996~~994.~~406524~~554488 B2 1,~~898~~895,~~890~~405.5557 5.~~459847~~460070% 32051GPD1 0.~~909942~~931632 4.~~537663~~529520 ~~996~~994.~~406524~~554488 B3 1,~~356~~353,~~350~~861.3912 5.~~459847~~460070% 32051GPE9 0.~~909941~~931632 4.~~537663~~529520 ~~996~~994.~~406524~~554488 B4 1,~~085~~083,~~080~~088.3290 5.~~459847~~460070% 32051GPF6 0.~~909945~~931632 4.~~537663~~529520 ~~996~~994.~~406524~~554487 B5 ~~813~~812,~~810~~316.2467 5.~~459847~~460070% 32051GPG4 0.~~909939~~931632 4.~~537663~~529520 ~~996~~994.~~406524~~554488 B6 ~~543~~542,~~441~~443.2589 5.~~459847~~460070% 32051GPH2 0.~~909941~~931632 4.~~537664~~529522 ~~996~~994.~~406837~~554803 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~264~~259,~~605~~125,~~761~~110.1782 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 233,981,063.03 20,455,190.51 254,436,253.54 Loan count 1143 131 1274 Avg loan rate 6.020795% 5.504593% 5.98 Prepay amount 4,434,493.15 12,191.27 4,446,684.42 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 109,846.37 9,544.16 119,390.53 Sub servicer fees 0.00 0.00 0.00 Trustee fees 1,192.88 102.74 1,295.63 Agg advances N/A N/A N/A Adv this period 4,967.56 746.44 5,714.00 -------------------------------------------------------------------------------- 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% 259,125,110.82 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 14 2,696,827.44 60 to 89 days 1 154,017.29 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 15 2,850,844.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 5,857,120.75 5,857,120.75 Principal remittance amount 4,692,823.67 4,692,823.67 Interest remittance amount 1,164,297.08 1,164,297.08

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