8-K 1 j5_dec04.txt UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Sec. 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 27, 2004 -------------------- RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. (the company under a Pooling and Servicing Agreement dated as of August 17 , 2004 providing for, inter alia, the issuance of GMACM Mortgage Pass-Through Certificates, Series 2004-J5) RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. ------------------------------------------------------------------------------ (Exact name of registrant as specified in its charter) Delaware 333-117232-12 41-1955181 ------------------------------------------------------------------------------- (State or other jurisdiction (Commission (IRS Employer of incorporation) File Number) Identification No.) 8400 Normandale Lake Boulevard, Suite 250, Minneapolis, MN 55437 ------------------------------------------------------------------------------- (Address of principal executive offices) Registrant's telephone number, including area code : (952) 857-7000 ------------------------ N/A ------------------------------------------------------------------------------- (Former name or former address, 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(b) under the Exchange Act (17 CFR 240.14a-12(b)) [] 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)) Item 8.1 Other Events. This current report on Form 8-K relates to the monthly distribution reported to the holders of GMACM Mortgage Pass Through Certificates, Series 2004-J4, pursuant to the terms of the Pooling and Servicing Agreement, dated as of August 17, 2004, among Residential Asset Mortgage Products, Inc., as company, GMAC Mortgage Corporation, as servicer, and JPMorgan Chase Bank, as trustee. On December 27, 2004 distributions were made to the Certificateholders. Specific information with respect to the distributions is filed as Exhibit 99.1. Item 9.1 Financial Statements and Exhibits. (a) Not applicable (b) Not applicable (c) The following exhibit is filed as part of this report: Statement to Certificateholders on December 27, 2004 is filed as Exhibit 99.1 hereto. SIGNATURE 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 hereunto duly authorized. JPMORGAN CHASE BANK, N.A., not in its individual capacity, but solely as Trustee under the Pooling and Servicing Agreement referred to herein Date: January 6, 2005 By: /s/ Keith R. Richardson -------------------------------------------- Keith R. Richardson Vice President INDEX TO EXHIBITS Exhibit Number Description of Exhibits 99.1 Monthly Certificateholder Statement on December 27, 2004 Exhibit 99.1 Monthly Certificateholder Statement on December 27, 2004 JPMorgan Chase CHICAGO, IL Distribution Date: 12/27/2004 Attn: KEITH R RICHARDSON GMAC Mortgage Corporation GMACM HOME EQUITY LOAN TRUST 2004-J4 GMACM Mortgage Pass Through Certificates, Series 2004-J4 Certificateholder Monthly Distribution Summary ----------------------------------------------------------------------------------------------------------------------------------- Pass Current Class Rate Beginning Through Principal Interest Total Realized Ending Class Cusip Description Type Balance Rate (%) Distribution Distribution Distribution Losses Balance ----------------------------------------------------------------------------------------------------------------------------------- A1 36185N4Y3 Senior Fix-30/360 236,142,113.00 5.250000 6,547,332.36 1,033,121.74 7,580,454.10 0.00 229,594,780.64 A2 36185N4Z0 Senior Var-30/360 29,517,763.00 2.440000 818,416.51 60,019.45 878,435.96 0.00 28,699,346.49 A3 36185N5A4 Strip IO Var-30/360 29,517,763.00 5.060000 0 124,466.57 124,466.57 0.00 28,699,346.49 A4 36185N5B2 Senior Fix-30/360 34,500,000.00 5.500000 0 158,125.00 158,125.00 0.00 34,500,000.00 A5 36185N5C0 Senior Fix-30/360 14,500,000.00 5.500000 0 66,458.33 66,458.33 0.00 14,500,000.00 A6 36185N5D8 Senior Fix-30/360 35,000,000.00 5.500000 0 160,416.67 160,416.67 0.00 35,000,000.00 A7 36185N5E6 Senior Fix-30/360 184,056,333.00 6.500000 5,706,640.15 996,971.80 6,703,611.95 0.00 178,349,692.85 PO 36185N5F3 Strip PO Fix-30/360 1,352,690.78 0.000000 1,688.25 0 1,688.25 0.00 1,351,002.53 IO 36185N5G1 Strip IO Fix-30/360 551,902,143.78 0.015334 0 7,052.60 7,052.60 0.00 538,810,989.00 RI 36185N5H9 Senior Fix-30/360 33.00 5.500000 33 0.15 33.15 0.00 0.00 RII 36185N5J5 Senior Fix-30/360 33.00 5.500000 33 0.15 33.15 0.00 0.00 RIII 36185N5R7 Senior Fix-30/360 34.00 5.500000 34 0.16 34.16 0.00 0.00 M1 36185N5K2 Mezzanine Var-30/360 9,106,000.00 5.844858 9,184.09 44,352.73 53,536.82 0.00 9,096,815.91 M2 36185N5L0 Mezzanine Var-30/360 3,311,000.00 5.844858 3,339.40 16,126.94 19,466.34 0.00 3,307,660.60 M3 36185N5M8 Mezzanine Var-30/360 1,656,000.00 5.844858 1,670.20 8,065.90 9,736.10 0.00 1,654,329.80 B1 36185N5N6 Junior Var-30/360 1,104,000.00 5.844858 1,113.47 5,377.27 6,490.74 0.00 1,102,886.53 B2 36185N5P1 Junior Var-30/360 828,000.00 5.844858 835.1 4,032.95 4,868.05 0.00 827,164.90 B3 36185N5Q9 Junior Var-30/360 828,144.00 5.844858 835.25 4,033.65 4,868.90 0.00 827,308.75 ----------------------------------------------------------------------------------------------------------------------------------- Totals 551,902,143.78 13,091,154.78 2,688,622.06 15,779,776.84 0.00 538,810,989.00 ----------------------------------------------------------------------------------------------------------------------------------- -------------------------------- Cumulative Realized Class Cusip Losses -------------------------------- A-1 36185N4E7 0.00 A-2 36185N4F4 0.00 A-3 36185N4G2 0.00 A-4 36185N4H0 0.00 A-5 36185N4J6 0.00 A-6 36185N4K3 0.00 A-7 36185N4L1 0.00 A-8 36185N4M9 0.00 PO 36185N4N7 0.00 IO 36185N4P2 0.00 R-I 36185N4Q0 0.00 R-II 36185N4R8 0.00 M-1 36185N4S6 0.00 M-2 36185N4T4 0.00 M-3 36185N4U1 0.00 B-1 36185N4V9 0.00 B-2 36185N4W7 0.00 B-3 36185N4X5 0.00 -------------------------------- Totals 0.00 -------------------------------- JPMorgan Chase CHICAGO, IL Distribution Date: 12/27/2004 Attn: KEITH R RICHARDSON GMAC Mortgage Corporation GMACM HOME EQUITY LOAN TRUST 2004-J4 GMACM Mortgage Pass Through Certificates, Series 2004-J4 Principal Distribution Detail ----------------------------------------------------------------------------------------------------------------------------------- Original Beginning Scheduled Accretion Unscheduled Net Current Ending Certificate Certificate Principal Principal Principal Principal Realized Certificate Class Cusip Balance Balance Distribution Adjustments Distribution Losses Balance ----------------------------------------------------------------------------------------------------------------------------------- A1 36185N4Y3 236,142,113.00 236,142,113.00 6,547,332.36 0.00 0.00 6,547,332.36 0.00 229,594,780.64 A2 36185N4Z0 29,517,763.00 29,517,763.00 818,416.51 0.00 0.00 818,416.51 0.00 28,699,346.49 A3 36185N5A4 29,517,763.00 29,517,763.00 0.00 0.00 0.00 0.00 0.00 28,699,346.49 A4 36185N5B2 34,500,000.00 34,500,000.00 0.00 0.00 0.00 0.00 0.00 34,500,000.00 A5 36185N5C0 14,500,000.00 14,500,000.00 0.00 0.00 0.00 0.00 0.00 14,500,000.00 A6 36185N5D8 35,000,000.00 35,000,000.00 0.00 0.00 0.00 0.00 0.00 35,000,000.00 A7 36185N5E6 184,056,333.00 184,056,333.00 5,706,640.15 0.00 0.00 5,706,640.15 0.00 178,349,692.85 PO 36185N5F3 1,352,690.78 1,352,690.78 1,688.25 0.00 0.00 1,688.25 0.00 1,351,002.53 IO 36185N5G1 551,902,143.78 551,902,143.78 0.00 0.00 0.00 0.00 0.00 538,810,989.00 RI 36185N5H9 33.00 33.00 33.00 0.00 0.00 33.00 0.00 0 RII 36185N5J5 33.00 33.00 33.00 0.00 0.00 33.00 0.00 0 RIII 36185N5R7 34.00 34.00 34.00 0.00 0.00 34.00 0.00 0 M1 36185N5K2 9,106,000.00 9,106,000.00 9,184.09 0.00 0.00 9,184.09 0.00 9,096,815.91 M2 36185N5L0 3,311,000.00 3,311,000.00 3,339.40 0.00 0.00 3,339.40 0.00 3,307,660.60 M3 36185N5M8 1,656,000.00 1,656,000.00 1,670.20 0.00 0.00 1,670.20 0.00 1,654,329.80 B1 36185N5N6 1,104,000.00 1,104,000.00 1,113.47 0.00 0.00 1,113.47 0.00 1,102,886.53 B2 36185N5P1 828,000.00 828,000.00 835.10 0.00 0.00 835.10 0.00 827,164.90 B3 36185N5Q9 828,144.00 828,144.00 835.25 0.00 0.00 835.25 0.00 827,308.75 ----------------------------------------------------------------------------------------------------------------------------------- Totals 551,902,143.78 551,902,143.78 13,091,154.78 0.00 0.00 13,091,154.78 0.00 538,810,989.00 ----------------------------------------------------------------------------------------------------------------------------------- ------------------------------------ Ending Certificate Class Cusip Factor ------------------------------------ A1 36185N4Y3 0.97227376228 A2 36185N4Z0 0.97227376241 A3 36185N5A4 0.97227376241 A4 36185N5B2 1.00000000000 A5 36185N5C0 1.00000000000 A6 36185N5D8 1.00000000000 A7 36185N5E6 0.96899514373 PO 36185N5F3 0.99875193206 IO 36185N5G1 0.97627993490 RI 36185N5H9 0.00000000000 RII 36185N5J5 0.00000000000 RIII 36185N5R7 0.00000000000 M1 36185N5K2 0.99899142434 M2 36185N5L0 0.99899142253 M3 36185N5M8 0.99899142512 B1 36185N5N6 0.99899142210 B2 36185N5P1 0.99899142512 B3 36185N5Q9 0.99899141937 ----------------------------------- Totals ----------------------------------- JPMorgan Chase CHICAGO, IL Distribution Date: 12/27/2004 Attn: KEITH R RICHARDSON GMAC Mortgage Corporation GMACM HOME EQUITY LOAN TRUST 2004-J4 GMACM Mortgage Pass Through Certificates, Series 2004-J4 Interest Distribution Detail ---------------------------------------------------------------------------------------------------------------------------------- Beginning Pass Accrued Cumulative Total Net Unscheduled Certificate Through Optimal Unpaid Deferred Interest Prepayment Interest Interest Class Balance Rate (%) Interest Interest Interest Due Int Shortfall Adjustment Paid ---------------------------------------------------------------------------------------------------------------------------------- A1 236,142,113.00 5.250000 1,033,121.74 0.00 0.00 1,033,121.74 0.00 0.00 1,033,121.74 A2 29,517,763.00 2.440000 60,019.45 0.00 0.00 60,019.45 0.00 0.00 60,019.45 A3 29,517,763.00 5.060000 124,466.57 0.00 0.00 124,466.57 0.00 0.00 124,466.57 A4 34,500,000.00 5.500000 158,125.00 0.00 0.00 158,125.00 0.00 0.00 158,125.00 A5 14,500,000.00 5.500000 66,458.33 0.00 0.00 66,458.33 0.00 0.00 66,458.33 A6 35,000,000.00 5.500000 160,416.67 0.00 0.00 160,416.67 0.00 0.00 160,416.67 A7 184,056,333.00 6.500000 996,971.80 0.00 0.00 996,971.80 0.00 0.00 996,971.80 PO 1,352,690.78 0.000000 0.00 0.00 0.00 0.00 0.00 0.00 0 IO 551,902,143.78 0.015334 7,052.60 0.00 0.00 7,052.60 0.00 0.00 7,052.60 RI 33.00 5.500000 0.15 0.00 0.00 0.15 0.00 0.00 0.15 RII 33.00 5.500000 0.15 0.00 0.00 0.15 0.00 0.00 0.15 RIII 34.00 5.500000 0.16 0.00 0.00 0.16 0.00 0.00 0.16 M1 9,106,000.00 5.844858 44,352.73 0.00 0.00 44,352.73 0.00 0.00 44,352.73 M2 3,311,000.00 5.844858 16,126.94 0.00 0.00 16,126.94 0.00 0.00 16,126.94 M3 1,656,000.00 5.844858 8,065.90 0.00 0.00 8,065.90 0.00 0.00 8,065.90 B1 1,104,000.00 5.844858 5,377.27 0.00 0.00 5,377.27 0.00 0.00 5,377.27 B2 828,000.00 5.844858 4,032.95 0.00 0.00 4,032.95 0.00 0.00 4,032.95 B3 828,144.00 5.844858 4,033.65 0.00 0.00 4,033.65 0.00 0.00 4,033.65 ------------------------------- -------------------------------------------------------------------------------------------------- Totals 551,902,143.78 2,688,622.06 0.00 0.00 2,688,622.06 0.00 0.00 2,688,622.06 ---------------------------------------------------------------------------------------------------------------------------------- JPMorgan Chase CHICAGO, IL Distribution Date: 12/27/2004 Attn: KEITH R RICHARDSON GMAC Mortgage Corporation GMACM HOME EQUITY LOAN TRUST 2004-J4 GMACM Mortgage Pass Through Certificates, Series 2004-J4 Current Payment Information Factors per $1,000 ---------------------------------------------------------------------------------------------------------------------------------- Original Beginning Cert Ending Cert. Pass Certificate Notional Principal Interest Notional Through Class Cusip Balance Balance Distribution Distribution Balance Rate (%) ---------------------------------------------------------------------------------------------------------------------------------- A1 36185N4Y3 236,142,113.00 1,000.00000000 27.726237717 4.374999981 972.273762283 5.250000 A2 36185N4Z0 29,517,763.00 1,000.00000000 27.726237588 2.033333285 972.273762412 2.440000 A3 36185N5A4 29,517,763.00 1,000.00000000 0.000000000 4.216666758 972.273762412 5.060000 A4 36185N5B2 34,500,000.00 1,000.00000000 0.000000000 4.583333333 1000.000000000 5.500000 A5 36185N5C0 14,500,000.00 1,000.00000000 0.000000000 4.583333103 1000.000000000 5.500000 A6 36185N5D8 35,000,000.00 1,000.00000000 0.000000000 4.583333429 1000.000000000 5.500000 A7 36185N5E6 184,056,333.00 1,000.00000000 31.004856269 5.416666646 968.995143731 6.500000 PO 36185N5F3 1,352,690.78 1,000.00000000 1.248067944 0.000000000 998.751932056 0.000000 IO 36185N5G1 551,902,143.78 1,000.00000000 0.000000000 0.012778715 976.279934899 0.015334 RI 36185N5H9 33.00 1,000.00000000 1,000.000000000 4.545454545 0.000000000 5.500000 RII 36185N5J5 33.00 1,000.00000000 1,000.000000000 4.545454545 0.000000000 5.500000 RIII 36185N5R7 34.00 1,000.00000000 1,000.000000000 4.705882353 0.000000000 5.500000 M1 36185N5K2 9,106,000.00 1,000.00000000 1.008575664 4.870714913 998.991424336 5.844858 M2 36185N5L0 3,311,000.00 1,000.00000000 1.008577469 4.870715796 998.991422531 5.844858 M3 36185N5M8 1,656,000.00 1,000.00000000 1.008574879 4.870712560 998.991425121 5.844858 B1 36185N5N6 1,104,000.00 1,000.00000000 1.008577899 4.870715580 998.991422101 5.844858 B2 36185N5P1 828,000.00 1,000.00000000 1.008574879 4.870712560 998.991425121 5.844858 B3 36185N5Q9 828,144.00 1,000.00000000 1.008580633 4.870710891 998.991419367 5.844858 ---------------------------------------------------------------------------------------------------------------------------------- Totals 551,902,143.78 1,000.00000000 23.720065101 4.871555746 976.279934899 ----------------------------------------------------------------------------------------------------------------------------------

UNITED STATES

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) November 22, 2004

RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.

(Exact name of registrant as specified in its charter)

Delaware		333-117232		41-1955181
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

8400 Normandale Lake Boulevard, Suite 250, Minneapolis, MN		55437
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code (952) 832-7000

(Former name or former address, 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 (see General Instruction A.2. below):

¨ 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))

Items 1 through 7 and Item 9 are not included because they are not applicable.

Item 8.01. Other Events.

On November 22, 2004, Residential Asset Mortgage Products, Inc. caused the issuance and sale of the GMACM Mortgage Pass-Through Certificates, Series 2004-J5, pursuant to a Pooling and Servicing Agreement, dated as of November 22, 2004 among Residential Asset Mortgage Products, Inc., as company, GMAC Mortgage Corporation, as servicer, and JPMorgan Chase Bank, N.A., as trustee.

Item 9.01. Financial Statements, Pro Forma Financial Information and Exhibits.

(a) Not applicable.

(b) Not applicable.

(c) Exhibits (executed copies): The following execution copies of Exhibits to the Form S-3 Registration Statement of the Registrant are hereby filed:

10.1		Pooling and Servicing Agreement, dated as of November 22, 2004, among Residential Asset Mortgage Products, Inc., as company, GMAC Mortgage Corporation, as servicer, and JPMorgan Chase Bank, N.A., as trustee.
10.2		Mortgage Loan Purchase Agreement, dated as of November 22, 2004 among GMAC Mortgage Corporation, as seller and Residential Asset Mortgage Products, Inc., as purchaser.

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 hereunto duly authorized.

RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. By: /s/ Patricia C. Taylor Name: Patricia C. Taylor Title: Vice President

Dated: December 7, 2004

Exhibit Index

ExhibitNumber		Description
10.1		Pooling and Servicing Agreement, dated as of November 22, 2004, among Residential Asset Mortgage Products, Inc., as company, GMAC Mortgage Corporation, as servicer, and JPMorgan Chase Bank, N.A., as trustee.
10.2		Mortgage Loan Purchase Agreement, dated as of November 22, 2004 by and among GMAC Mortgage Corporation, as seller and Residential Asset Mortgage Products, Inc., as purchaser.

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