8-K 1 rma04002_aug.txt AUGUST 8K 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): August 25, 2004 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-106896-04 N/A Pooling and Servicing Agreement) (Commission IRS EIN (State or other File Number) jurisdiction of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (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)) ITEM 8.01 Other Events On August 25, 2004 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust, relating to the August 25, 2004 distribution. 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. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust (Registrant) By: Wells Fargo Bank, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 9/2/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust, relating to the August 25, 2004 distribution. EX-99.1

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 14, 2004
Renaissance Mortgage Acceptance Corp.
(Exact name of registrant as specified in its charter)
Delaware (State or other jurisdiction of incorporation)	333-106896 (Commission File Number)		52-2356399 (IRS Employer ID Number)
1000 Woodbury Road, Woodbury, New York 11797
(Address of principal executive offices)		(Zip Code)
Registrant’s Telephone Number, including area code:		(516) 364-8500
N/A (Former name or former address, if changed since last report)

~~Item~~Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AV1 0.00 34,821,994.26 977,744.82 0.00 AV2 0.00 53,000,000.00 77,291.67 0.00 AV3 0.00 14,000,000.00 22,516.67 0.00 AF1 0.00 113,328,735.45 1,320,861.04 0.00 AF2 0.00 69,000,000.00 224,365.00 0.00 AF3 0.00 46,000,000.00 171,120.00 0.00 AF4 0.00 38,000,000.00 170,746.67 0.00 AF5 0.00 28,800,000.00 145,392.00 0.00 AF6 0.00 24,000,000.00 107,920.00 0.00 M1 0.00 15,600,000.00 76,882.00 0.00 M2 0.00 14,300,000.00 71,631.08 0.00 M3 0.00 7,800,000.00 39,715.00 0.00 M4 0.00 9,100,000.00 47,835.67 0.00 M5 0.00 6,500,000.00 34,964.58 0.00 M6 0.00 7,800,000.00 41,925.00 0.00 M7 0.00 5,200,000. ~~Other~~00 ~~Events~~27,950.00 0.00 M8 0.00 5,980,000.00 32,142.50 0.00 M9 0.00 5,720,000.00 30,745.00 0.00 BIO 0.00 0.01 1,496,803.00 0.00 P 0.00 0.01 15,753.69 0.00 Totals 0.00 498,950,729.73 5,134,305.39 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

~~This~~Principal ~~Current~~Distribution ~~Report~~Statement onOriginal ~~Form~~Beginning ~~8-K~~Scheduled isUnscheduled ~~being~~Face ~~filed~~Certificate toPrincipal ~~file~~Principal aRealized ~~copy~~Class ofAmount ~~the~~Balance ~~Pooling~~Distribution ~~and~~Distribution ~~Servicing~~Accretion ~~Agreement~~Loss ~~dated~~(1) asAV1 of37,000,000.00 ~~June~~35,751,772.12 0.00 929,777.86 0.00 0.00 AV2 53,000,000.00 53,000,000.00 0.00 0.00 0.00 0.00 AV3 14,000,000.00 14,000,000.00 0.00 0.00 0.00 0.00 AF1 116,600,000.00 114,492,169.76 0.00 1,163,434.31 ~~2004~~0.00 0.00 AF2 69,000,000.00 ~~among~~69,000,000.00 ~~Delta~~0.00 ~~Funding~~0.00 ~~Corporation~~0.00 0.00 AF3 46,000,000.00 as46,000,000.00 ~~seller~~0.00 0.00 0.00 0.00 AF4 38,000,000.00 ~~Renaissance~~38,000,000.00 ~~Mortgage~~0.00 ~~Acceptance~~0.00 ~~Corp~~0.00 0.00 AF5 28,800,000.00 as28,800,000.00 ~~depositor~~0.00 0.00 0.00 0.00 AF6 24,000,000.00 ~~Ocwen~~24,000,000.00 ~~Federal~~0.00 ~~Bank~~0.00 ~~FSB~~0.00 0.00 M1 15,600,000.00 as15,600,000.00 ~~servicer~~0.00 0.00 0.00 0.00 M2 14,300,000.00 ~~and~~14,300,000.00 ~~Wells~~0.00 ~~Fargo~~0.00 ~~Bank~~0.00 0.00 M3 7,800,000.00 ~~National~~7,800,000.00 ~~Association~~0.00 0.00 0.00 0.00 M4 9,100,000.00 as9,100,000.00 ~~trustee~~0.00 ~~(the~~0.00 ~~“Pooling~~0.00 ~~and~~0.00 ~~Servicing~~M5 ~~Agreement”)~~6,500,000.00 in6,500,000.00 ~~connection~~0.00 ~~with~~0.00 ~~the~~0.00 ~~issuance~~0.00 byM6 ~~Renaissance~~7,800,000.00 ~~Home~~7,800,000.00 ~~Equity~~0.00 ~~Loan~~0.00 ~~Trust~~0.00 ~~2004-2~~0.00 ofM7 ~~Home~~5,200,000.00 ~~Equity~~5,200,000.00 ~~Loan~~0.00 ~~Asset-Backed~~0.00 ~~Certificates~~0.00 0.00 M8 5,980,000.00 ~~Series~~5,980,000.00 ~~2004-~~0.00 0.00 0.00 0.00 M9 5,720,000.00 5,720,000.00 0.00 0.00 0.00 0.00 BIO 0.01 0.01 0.00 0.00 0.00 0.00 P 0.01 0.01 0.00 0.00 0.00 0.00 0.01 0.01 0.00 0.00 0.00 0.00 Totals 504,400,000.03 501,043,941.91 0.00 2,093,212.17 0.00 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Item~~Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution AV1 929,777.86 34,821,994.26 0.94113498 929,777.86 AV2 0.00 53,000,000.00 1.00000000 0.00 AV3 0.00 14,000,000.00 1.00000000 0.00 AF1 1,163,434.31 113,328,735.45 0.97194456 1,163,434.31 AF2 0.00 69,000,000.00 1.00000000 0.00 AF3 0.00 46,000,000.00 1.00000000 0.00 AF4 0.00 38,000,000.00 1.00000000 0.00 AF5 0.00 28,800,000.00 1.00000000 0.00 AF6 0.00 24,000,000.00 1.00000000 0.00 M1 0.00 15,600,000.00 1.00000000 0.00 M2 0.00 14,300,000.00 1.00000000 0.00 M3 0.00 7,800,000.00 1.00000000 0.00 M4 0.00 9,100,000.00 1.00000000 0.00 M5 0.00 6,500,000.00 1.00000000 0.00 M6 0.00 7,800,000.00 1.00000000 0.00 M7 0.00 5,200,000.00 1.00000000 0.00 M8 0.00 5,980,000.00 1.00000000 0.00 M9 0.00 5,720,000.00 1.00000000 0.00 BIO 0.00 0.01 1.00000000 0.00 P 0.00 0.01 1.00000000 0.00 P 0.00 0.01 1.00000000 0.00 Totals 2,093,212.17 498,950,729.74 0.98919653 2,093,212.17

~~Financial~~Principal ~~Statements~~Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion AV1 37,000,000.00 ~~Pro~~966.26411135 ~~Forma~~0.00000000 ~~Financial~~25.12913135 ~~Information~~0.00000000 ~~and~~AV2 ~~Exhibits~~53,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AV3 14,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF1 116,600,000.00 981.92255369 0.00000000 9.97799580 0.00000000 AF2 69,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF3 46,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF4 38,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF5 28,800,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF6 24,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M1 15,600,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M2 14,300,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M3 7,800,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M4 9,100,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M5 6,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M6 7,800,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M7 5,200,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M8 5,980,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M9 5,720,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.01 0.00000000 0.00000000 0.00000000 0.00000000 P 0.01 0.00000000 0.00000000 0.00000000 0.00000000 (2) All classes are per $1000 denomination

Principal Distribution Factors Statement (qcontinued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution AV1 0.00000000 25.12913135 941.13498000 0.94113498 25.12913135 AV2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AV3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF1 0.00000000 9.97799580 971.94455789 0.97194456 9.97799580 AF2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M8 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M9 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 0.00000000 1.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 1.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Not~~Interest ~~applicable~~Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall AV1 37,000,000.00 1.61000% 35,751,772.12 47,966.96 0.00 0.00 AV2 53,000,000.00 1.75000% 53,000,000.00 77,291.67 0.00 0.00 AV3 14,000,000.00 1.93000% 14,000,000.00 22,516.67 0.00 0.00 AF1 116,600,000.00 1.65000% 114,492,169.76 157,426.73 0.00 0.00 AF2 69,000,000.00 3.90200% 69,000,000.00 224,365.00 0.00 0.00 AF3 46,000,000.00 4.46400% 46,000,000.00 171,120.00 0.00 0.00 AF4 38,000,000.00 5.39200% 38,000,000.00 170,746.67 0.00 0.00 AF5 28,800,000.00 6.05800% 28,800,000.00 145,392.00 0.00 0.00 AF6 24,000,000.00 5.39600% 24,000,000.00 107,920.00 0.00 0.00 M1 15,600,000.00 5.91400% 15,600,000.00 76,882.00 0.00 0.00 M2 14,300,000.00 6.01100% 14,300,000.00 71,631.08 0.00 0.00 M3 7,800,000.00 6.11000% 7,800,000.00 39,715.00 0.00 0.00 M4 9,100,000.00 6.30800% 9,100,000.00 47,835.67 0.00 0.00 M5 6,500,000.00 6.45500% 6,500,000.00 34,964.58 0.00 0.00 M6 7,800,000.00 6.45000% 7,800,000.00 41,925.00 0.00 0.00 M7 5,200,000.00 6.45000% 5,200,000.00 27,950.00 0.00 0.00 M8 5,980,000.00 6.45000% 5,980,000.00 32,142.50 0.00 0.00 M9 5,720,000.00 6.45000% 5,720,000.00 30,745.00 0.00 0.00 BIO 0.01 0.00000% 0.01 0.00 0.00 0.00 P 0.01 0.00000% 0.01 0.00 0.00 0.00 Totals 504,400,000.02 1,528,536.53 0.00 0.00

Interest Distribution Statement (rcontinued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance AV1 0.00 0.00 47,966.96 0.00 34,821,994.26 AV2 0.00 0.00 77,291.67 0.00 53,000,000.00 AV3 0.00 0.00 22,516.67 0.00 14,000,000.00 AF1 0.00 0.00 157,426.73 0.00 113,328,735.45 AF2 0.00 0.00 224,365.00 0.00 69,000,000.00 AF3 0.00 0.00 171,120.00 0.00 46,000,000.00 AF4 0.00 0.00 170,746.67 0.00 38,000,000.00 AF5 0.00 0.00 145,392.00 0.00 28,800,000.00 AF6 0.00 0.00 107,920.00 0.00 24,000,000.00 M1 0.00 0.00 76,882.00 0.00 15,600,000.00 M2 0.00 0.00 71,631.08 0.00 14,300,000.00 M3 0.00 0.00 39,715.00 0.00 7,800,000.00 M4 0.00 0.00 47,835.67 0.00 9,100,000.00 M5 0.00 0.00 34,964.58 0.00 6,500,000.00 M6 0.00 0.00 41,925.00 0.00 7,800,000.00 M7 0.00 0.00 27,950.00 0.00 5,200,000.00 M8 0.00 0.00 32,142.50 0.00 5,980,000.00 M9 0.00 0.00 30,745.00 0.00 5,720,000.00 BIO 0.00 0.00 1,496,803.00 0.00 0.01 P 0.00 0.00 15,753.69 0.00 0.01 Totals 0.00 0.00 3,041,093.22 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Not~~Interest ~~applicable~~Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall AV1 37,000,000.00 1.61000% 966.26411135 1.29640432 0.00000000 0.00000000 AV2 53,000,000.00 1.75000% 1000.00000000 1.45833340 0.00000000 0.00000000 AV3 14,000,000.00 1.93000% 1000.00000000 1.60833357 0.00000000 0.00000000 AF1 116,600,000.00 1.65000% 981.92255369 1.35014348 0.00000000 0.00000000 AF2 69,000,000.00 3.90200% 1000.00000000 3.25166667 0.00000000 0.00000000 AF3 46,000,000.00 4.46400% 1000.00000000 3.72000000 0.00000000 0.00000000 AF4 38,000,000.00 5.39200% 1000.00000000 4.49333342 0.00000000 0.00000000 AF5 28,800,000.00 6.05800% 1000.00000000 5.04833333 0.00000000 0.00000000 AF6 24,000,000.00 5.39600% 1000.00000000 4.49666667 0.00000000 0.00000000 M1 15,600,000.00 5.91400% 1000.00000000 4.92833333 0.00000000 0.00000000 M2 14,300,000.00 6.01100% 1000.00000000 5.00916643 0.00000000 0.00000000 M3 7,800,000.00 6.11000% 1000.00000000 5.09166667 0.00000000 0.00000000 M4 9,100,000.00 6.30800% 1000.00000000 5.25666703 0.00000000 0.00000000 M5 6,500,000.00 6.45500% 1000.00000000 5.37916615 0.00000000 0.00000000 M6 7,800,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000 M7 5,200,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000 M8 5,980,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000 M9 5,720,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000 BIO 0.01 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 P 0.01 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes per $1000 denomination

Interest Distribution Factors Statement (scontinued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance AV1 0.00000000 0.00000000 1.29640432 0.00000000 941.13498000 AV2 0.00000000 0.00000000 1.45833340 0.00000000 1000.00000000 AV3 0.00000000 0.00000000 1.60833357 0.00000000 1000.00000000 AF1 0.00000000 0.00000000 1.35014348 0.00000000 971.94455789 AF2 0.00000000 0.00000000 3.25166667 0.00000000 1000.00000000 AF3 0.00000000 0.00000000 3.72000000 0.00000000 1000.00000000 AF4 0.00000000 0.00000000 4.49333342 0.00000000 1000.00000000 AF5 0.00000000 0.00000000 5.04833333 0.00000000 1000.00000000 AF6 0.00000000 0.00000000 4.49666667 0.00000000 1000.00000000 M1 0.00000000 0.00000000 4.92833333 0.00000000 1000.00000000 M2 0.00000000 0.00000000 5.00916643 0.00000000 1000.00000000 M3 0.00000000 0.00000000 5.09166667 0.00000000 1000.00000000 M4 0.00000000 0.00000000 5.25666703 0.00000000 1000.00000000 M5 0.00000000 0.00000000 5.37916615 0.00000000 1000.00000000 M6 0.00000000 0.00000000 5.37500000 0.00000000 1000.00000000 M7 0.00000000 0.00000000 5.37500000 0.00000000 1000.00000000 M8 0.00000000 0.00000000 5.37500000 0.00000000 1000.00000000 M9 0.00000000 0.00000000 5.37500000 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Exhibits:~~CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 5,372,711.54 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 5,372,711.54 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 238,406.15 Payment of Interest and Principal 5,134,305.39 Total Withdrawals (Pool Distribution Amount) 5,372,711.54 Ending Balance 0.00

4PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.100 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00

~~Pooling~~SERVICING ~~and~~FEES Gross Servicing ~~Agreement~~Fee 215,268.31 FSA Premium 18,186.67 Wells Fargo Bank, NA 4,951.17 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 238,406.15

~~SIGNATURES~~OTHER ACCOUNTS Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance Reserve Fund 5,000.00 0.00 0.00 5,000.00 Financial Guaranty 0.00 0.00 0.00 0.00

~~Pursuant~~LOAN toSTATUS ~~the~~STRATIFICATION/CREDIT ~~requirements~~ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of ~~the~~Loans ~~Securities~~No ~~Exchange~~of ~~Act~~Loans No of ~~1934~~Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 2 0 0 2 412,268.80 ~~the~~0.00 ~~registrant~~0.00 ~~has~~412,268.80 ~~duly~~30 ~~caused~~Days ~~this~~3 ~~report~~0 to0 be0 ~~signed~~3 on428,435.85 ~~its~~0.00 ~~behalf~~0.00 by0.00 ~~the~~428,435.85 ~~undersigned~~60 ~~thereunto~~Days ~~duly~~0 ~~authorized~~0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 1 0 1 0.00 0.00 83,293.11 0.00 83,293.11 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 3 2 1 0 6 428,435.85 412,268.80 83,293.11 0.00 923,997.76 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.060223% 0.000000% 0.000000% 0.060223% 0.080122% 0.000000% 0.000000% 0.080122% 30 Days 0.090334% 0.000000% 0.000000% 0.000000% 0.090334% 0.083264% 0.000000% 0.000000% 0.000000% 0.083264% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.030111% 0.000000% 0.030111% 0.000000% 0.000000% 0.016188% 0.000000% 0.016188% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.090334% 0.060223% 0.030111% 0.000000% 0.180668% 0.083264% 0.080122% 0.016188% 0.000000% 0.179574%

~~RENAISSANCE~~Delinquency ~~MORTGAGE~~Status ~~ACCEPTANCE~~By ~~CORP~~Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 0 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 2 0 0 2 412,268.80 0.00 0.00 412,268.80 30 Days 2 0 0 0 2 396,715.36 0.00 0.00 0.00 396,715.36 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 1 0 1 0.00 0.00 83,293.11 0.00 83,293.11 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 2 2 1 0 5 396,715.36 412,268.80 83,293.11 0.00 892,277.27 0-29 Days 0.304878% 0.000000% 0.000000% 0.304878% 0.404890% 0.000000% 0.000000% 0.404890% 30 Days 0.304878% 0.000000% 0.000000% 0.000000% 0.304878% 0.389615% 0.000000% 0.000000% 0.000000% 0.389615% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.152439% 0.000000% 0.152439% 0.000000% 0.000000% 0.081802% 0.000000% 0.081802% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.304878% 0.304878% 0.152439% 0.000000% 0.762195% 0.389615% 0.404890% 0.081802% 0.000000% 0.876307% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 1 0 0 0 1 31,720.49 0.00 0.00 0.00 31,720.49 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 1 0 0 0 1 31,720.49 0.00 0.00 0.00 31,720.49 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.037523% 0.000000% 0.000000% 0.000000% 0.037523% 0.007686% 0.000000% 0.000000% 0.000000% 0.007686% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.037523% 0.000000% 0.000000% 0.000000% 0.037523% 0.007686% 0.000000% 0.000000% 0.000000% 0.007686%

~~By:~~OTHER ~~/s/~~INFORMATION ~~Dawn~~Current ~~Ceccarini~~ Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 0.00

~~Name:~~COLLATERAL STATEMENT Collateral Description Fixed & Mixed ARM Weighted Average Gross Coupon 7.580646% Weighted Average Net Coupon 7.080646% Weighted Average Pass-Through Rate 7.069146% Weighted Average Maturity(Stepdown Calculation ) 326 Beginning Scheduled Collateral Loan Count 3,331 Number Of Loans Paid In Full 10 Ending Scheduled Collateral Loan Count 3,321 Beginning Scheduled Collateral Balance 516,643,941.88 Ending Scheduled Collateral Balance 514,550,729.71 Ending Actual Collateral Balance at 31-Jul-2004 514,550,729.71 Monthly P &I Constant 3,865,713.04 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 601,967.39 Unscheduled Principal 1,491,244.78

~~Dawn~~Curtailments ~~Ceccarini~~$42,694.39

~~Title:~~Miscellaneous Reporting Delinquency Event NO Cumulative Loss Event NO Overcollateralization Amount 15,600,000.00 Required Overcollateralization Amount 15,600,000.00

~~Vice~~Group ~~President~~Level Collateral Statement Group 0 2 Total Collateral Description Mixed ARM Mixed Fixed Fixed & Mixed ARM Weighted Average Coupon Rate 7.959287 7.486645 7.580646 Weighted Average Net Rate 7.459287 6.986645 7.080646 Weighted Average Maturity 357 317 326 Beginning Loan Count 660 2,671 3,331 Loans Paid In Full 4 6 10 Ending Loan Count 656 2,665 3,321 Beginning Scheduled Balance 102,752,241.74 413,891,700.14 516,643,941.88 Ending scheduled Balance 101,822,463.88 412,728,265.83 514,550,729.71 Record Date 07/31/2004 07/31/2004 07/31/2004 Principal And Interest Constant 754,297.41 3,111,415.63 3,865,713.04 Scheduled Principal 72,768.59 529,198.80 601,967.39 Unscheduled Principal 857,009.27 634,235.51 1,491,244.78 Scheduled Interest 681,528.82 2,582,216.83 3,263,745.65 Servicing Fees 42,813.43 172,454.88 215,268.31 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 984.71 3,966.46 4,951.17 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 0.00 0.00 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 637,730.68 2,405,795.49 3,043,526.17 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 7.447787 6.975145 7.069146

Dated: July 14, 2004

EXHIBIT 4.1

Filing Compare · RENAISSANCE HOME EQUITY LOAN TRUST 2004-2