8-K 1 rma04003_nov.txt NOVEMBER 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): November 26, 2004 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-3 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-118688-01 pending 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 November 26, 2004 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2004-3 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 2004-3 Trust, relating to the November 26, 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 2004-3 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: 11/30/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-3 Trust, relating to the November 26, 2004 distribution. EX-99.1

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) October 15, 2004
Renaissance Mortgage Acceptance Corp.
(Exact name of registrant as specified in its charter)
Delaware (State or other jurisdiction of incorporation)	333-118688 (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)

~~Check~~Certificateholder ~~the~~Distribution ~~appropriate~~Summary ~~box~~(continued) ~~below~~Current ifEnding ~~the~~Cumulative ~~Form~~Realized 8Certificate Total Realized Class Loss Balance Distribution Losses AV1 0.00 98,813,509.83 833,993.16 0.00 AV2-KA ~~filing~~0.00 is29,644,349.39 ~~intended~~248,609.40 to0.00 ~~simultaneously~~AV2-B ~~satisfy~~0.00 9,881,449.80 84,991.19 0.00 AF1 0.00 138,322,368.21 2,953,963.71 0.00 AF2 0.00 78,733,000.00 234,493.12 0.00 AF3 0.00 56,795,000.00 190,878.53 0.00 AF4 0.00 35,930,000.00 146,504.58 0.00 AF5 0.00 22,635,000.00 103,215.60 0.00 AF6 0.00 50,000,000.00 201,000.00 0.00 M1 0.00 19,200,000.00 82,512.00 0.00 M2 0.00 17,280,000.00 76,089.60 0.00 M3 0.00 9,920,000.00 44,507.73 0.00 M4 0.00 11,200,000.00 51,156.00 0.00 M5 0.00 8,000,000.00 37,533.33 0.00 M6 0.00 8,960,000.00 42,776.53 0.00 M7 0.00 6,400,000.00 31,349.33 0.00 M8 0.00 7,360,000.00 36,781.60 0.00 M9 0.00 7,360,000.00 38,333.33 0.00 BIO 0.00 0.00 2,065,758.25 0.00 P 0.00 0.01 44,402.52 0.00 R 0.00 0.01 0.00 0.00 Totals 0.00 616,434,677.25 7,548,849.51 0.00 All distributions required by the ~~filing~~Pooling ~~obligation~~and ofServicing Agreement have been calculated by the ~~registrant~~Certificate ~~under~~Administrator ~~any~~on behalf of the ~~following provisions:~~Trustee.

~~Written~~Principal ~~communications~~Distribution ~~pursuant~~Statement toOriginal ~~Rule~~Beginning ~~425~~Scheduled ~~under~~Unscheduled ~~the~~Face ~~Securities~~Certificate ~~Act~~Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (171) ~~CFR~~AV1 ~~230~~99,999,000.~~425)~~00 ~~Soliciting~~99,439,563.81 ~~material~~0.00 ~~pursuant~~626,053.98 to0.00 ~~Rule~~0.00 ~~14a~~AV2-12A ~~under~~30,000,000.00 ~~the~~29,832,167.46 ~~Exchange~~0.00 ~~Act~~187,818.07 ~~(17~~0.00 ~~CFR 240~~0.~~14a-12)~~00 ~~Pre~~AV2-~~commencement~~B ~~communications~~10,000,000.00 ~~pursuant~~9,944,055.82 to0.00 ~~Rule~~62,606.02 ~~14d-~~0.00 0.00 AF1 143,587,000.00 141,006,539.41 0.00 2~~(d)~~,684,171.20 ~~under~~0.00 ~~the~~0.00 ~~Exchange~~AF2 ~~Act~~78,733,000.00 (78,733,000.00 0.00 0.00 0.00 0.00 AF3 56,795,000.00 56,795,000.00 0.00 0.00 0.00 0.00 AF4 35,930,000.00 35,930,000.00 0.00 0.00 0.00 0.00 AF5 22,635,000.00 22,635,000.00 0.00 0.00 0.00 0.00 AF6 50,000,000.00 50,000,000.00 0.00 0.00 0.00 0.00 M1 19,200,000.00 19,200,000.00 0.00 0.00 0.00 0.00 M2 17,280,000.00 ~~CFR~~17,280,000.00 ~~240~~0.~~14d-2(b))~~00 ~~Pre-commencement~~0.00 ~~communications~~0.00 ~~pursuant~~0.00 toM3 ~~Rule~~9,920,000.00 ~~13e-4~~9,920,000.00 0.00 0.00 0.00 0.00 M4 11,200,000.00 11,200,000.00 0.00 0.00 0.00 0.00 M5 8,000,000.00 8,000,000.00 0.00 0.00 0.00 0.00 M6 8,960,000.00 8,960,000.00 0.00 0.00 0.00 0.00 M7 6,400,000.00 6,400,000.00 0.00 0.00 0.00 0.00 M8 7,360,000.00 7,360,000.00 0.00 0.00 0.00 0.00 M9 7,360,000.00 7,360,000.00 0.00 0.00 0.00 0.00 BIO 0.00 0.00 0.00 0.00 0.00 0.00 P 0.01 0.01 0.00 0.00 0.00 0.00 R 0.01 0.01 0.00 0.00 0.00 0.00 Totals 623,359,000.02 619,995,326.52 0.00 3,560,649.27 0.00 0.00 (c1) ~~under~~Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the ~~Exchange~~Prospectus ~~Act~~Supplement ~~(17~~for ~~CFR~~a ~~240~~Full Description.~~13e-4(c))~~

~~Item~~Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution AV1 626,053.98 98,813,509.83 0.98814498 626,053.98 AV2-A 187,818.07 29,644,349.39 0.98814498 187,818.07 AV2-B 62,606.02 9,881,449.80 0.98814498 62,606.02 AF1 2,684,171.20 138,322,368.21 0.96333490 2,684,171.20 AF2 0.00 78,733,000.00 1.00000000 0.00 AF3 0.00 56,795,000.00 1.00000000 0.00 AF4 0.00 35,930,000.00 1.00000000 0.00 AF5 0.00 22,635,000.00 1.00000000 0.00 AF6 0.00 50,000,000.00 1.00000000 0.00 M1 0.00 19,200,000.00 1.00000000 0.00 M2 0.00 17,280,000.00 1.00000000 0.00 M3 0.00 9,920,000.00 1.00000000 0.00 M4 0.00 11,200,000.00 1.00000000 0.00 M5 0.00 8,000,000.00 1.00000000 0.00 M6 0.00 8,960,000.00 1.00000000 0.00 M7 0.00 6,400,000.00 1.00000000 0.00 M8 0.00 7,360,000.00 1.00000000 0.00 M9 0.00 7,360,000.00 1.00000000 0.00 BIO 0.00 0.00 0.00000000 0.00 P 0.00 0.01 1. ~~Other~~00000000 ~~Events~~0.00 R 0.00 0.01 1.00000000 0.00 Totals 3,560,649.27 616,434,677.25 0.98889192 3,560,649.27

~~This~~Principal ~~Current~~Distribution ~~Report~~Factors onStatement ~~Form~~Original ~~8-K~~Beginning isScheduled ~~being~~Unscheduled ~~filed~~Face toCertificate ~~file~~Principal aPrincipal ~~copy~~Class of(2) ~~the~~Amount ~~Pooling~~Balance ~~and~~Distribution ~~Servicing~~Distribution ~~Agreement~~Accretion ~~dated~~AV1 as99,999,000.00 of994.40558216 ~~September~~0.00000000 16.26060241 0.00000000 AV2-A 30,000,000.00 ~~2004~~994.40558200 0.00000000 6.26060233 0.00000000 AV2-B 10,000,000.00 ~~among~~994.40558200 ~~Delta~~0.00000000 ~~Funding~~6.26060200 ~~Corporation~~0.00000000 AF1 143,587,000.00 as982.02859179 ~~seller~~0.00000000 18.69369233 0.00000000 AF2 78,733,000.00 ~~Renaissance~~1000.00000000 ~~Mortgage~~0.00000000 ~~Acceptance~~0.00000000 ~~Corp~~0.00000000 AF3 56,795,000.00 as1000.00000000 ~~depositor~~0.00000000 0.00000000 0.00000000 AF4 35,930,000.00 ~~Ocwen~~1000.00000000 ~~Federal~~0.00000000 ~~Bank~~0.00000000 ~~FSB~~0.00000000 AF5 22,635,000.00 as1000.00000000 ~~servicer~~0.00000000 0.00000000 0.00000000 AF6 50,000,000.00 ~~and~~1000.00000000 ~~Wells~~0.00000000 ~~Fargo~~0.00000000 ~~Bank~~0.00000000 M1 19,200,000.00 N1000.A00000000 0.00000000 0.00000000 0.00000000 M2 17,280,000.00 as1000.00000000 ~~trustee~~0.00000000 ~~(the~~0.00000000 ~~“Pooling~~0.00000000 ~~and~~M3 ~~Servicing~~9,920,000.00 ~~Agreement”)~~1000.00000000 0.00000000 0.00000000 0.00000000 M4 11,200,000.00 in1000.00000000 ~~connection~~0.00000000 ~~with~~0.00000000 ~~the~~0.00000000 ~~issuance~~M5 by8,000,000.00 ~~Renaissance~~1000.00000000 ~~Home~~0.00000000 ~~Equity~~0.00000000 ~~Loan~~0.00000000 ~~Trust~~M6 ~~2004-3~~8,960,000.00 of1000.00000000 ~~Home~~0.00000000 ~~Equity~~0.00000000 ~~Loan~~0.00000000 ~~Asset-Backed~~M7 ~~Certificates~~6,400,000.00 ~~Series~~1000.00000000 ~~2004-3~~0.00000000 0.00000000 0.00000000 M8 7,360,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M9 7,360,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 0.01 0.00000000 0.00000000 0.00000000 0.00000000 R 0.01 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are Per $1000 Denomination

~~Item~~Principal 9Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution AV1 0.0100000000 6. ~~Financial~~26060241 ~~Statements~~988.14497975 ~~and~~0.98814498 ~~Exhibits~~6.26060241 AV2-A 0.00000000 6.26060233 988.14497967 0.98814498 6.26060233 AV2-B 0.00000000 6.26060200 988.14498000 0.98814498 6.26060200 AF1 0.00000000 18.69369233 963.33489947 0.96333490 18.69369233 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 0.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 1.00000000 0.00000000 R 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.

~~(q)~~Interest 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 99,999,000.00 2.35250% 99,439,563.81 207,939.18 0.00 0.00 AV2-A 30,000,000.00 2.29250% 29,832,167.46 60,791.33 0.00 0.00 AV2-B 10,000,000.00 2.53250% 9,944,055.82 22,385.17 0.00 0.00 AF1 143,587,000.00 2.15250% 141,006,539.41 269,792.51 0.00 0.00 AF2 78,733,000.00 3.57400% 78,733,000.00 234,493.12 0.00 0.00 AF3 56,795,000.00 4.03300% 56,795,000.00 190,878.53 0.00 0.00 AF4 35,930,000.00 4.89300% 35,930,000.00 146,504.58 0.00 0.00 AF5 22,635,000.00 5.47200% 22,635,000.00 103,215.60 0.00 0.00 AF6 50,000,000.00 4.82400% 50,000,000.00 201,000.00 0.00 0.00 M1 19,200,000.00 5.15700% 19,200,000.00 82,512.00 0.00 0.00 M2 17,280,000.00 5.28400% 17,280,000.00 76,089.60 0.00 0.00 M3 9,920,000.00 5.38400% 9,920,000.00 44,507.73 0.00 0.00 M4 11,200,000.00 5.48100% 11,200,000.00 51,156.00 0.00 0.00 M5 8,000,000.00 5.63000% 8,000,000.00 37,533.33 0.00 0.00 M6 8,960,000.00 5.72900% 8,960,000.00 42,776.53 0.00 0.00 M7 6,400,000.00 5.87800% 6,400,000.00 31,349.33 0.00 0.00 M8 7,360,000.00 5.99700% 7,360,000.00 36,781.60 0.00 0.00 M9 7,360,000.00 6.25000% 7,360,000.00 38,333.33 0.00 0.00 BIO 0.00 0.00000% 636,635,304.35 0.00 0.00 0.00 P 0.01 0.00000% 0.01 0.00 0.00 0.00 R 0.01 0.00000% 0.01 0.00 0.00 0.00 Totals 623,359,000.02 1,878,039.47 0.00 0.00

Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance AV1 0.00 0.00 207,939.18 0.00 98,813,509.83 AV2-A 0.00 0.00 60,791.33 0.00 29,644,349.39 AV2-B 0.00 0.00 22,385.17 0.00 9,881,449.80 AF1 0.00 0.00 269,792.51 0.00 138,322,368.21 AF2 0.00 0.00 234,493.12 0.00 78,733,000.00 AF3 0.00 0.00 190,878.53 0.00 56,795,000.00 AF4 0.00 0.00 146,504.58 0.00 35,930,000.00 AF5 0.00 0.00 103,215.60 0.00 22,635,000.00 AF6 0.00 0.00 201,000.00 0.00 50,000,000.00 M1 0.00 0.00 82,512.00 0.00 19,200,000.00 M2 0.00 0.00 76,089.60 0.00 17,280,000.00 M3 0.00 0.00 44,507.73 0.00 9,920,000.00 M4 0.00 0.00 51,156.00 0.00 11,200,000.00 M5 0.00 0.00 37,533.33 0.00 8,000,000.00 M6 0.00 0.00 42,776.53 0.00 8,960,000.00 M7 0.00 0.00 31,349.33 0.00 6,400,000.00 M8 0.00 0.00 36,781.60 0.00 7,360,000.00 M9 0.00 0.00 38,333.33 0.00 7,360,000.00 BIO 0.00 0.00 2,065,758.25 0.00 633,074,655.08 P 0.00 0.00 44,402.52 0.00 0.01 R 0.00 0.00 0.00 0.00 0.01 Totals 0.00 0.00 3,988,200.24 0.00 (4) Amount Does Not ~~applicable~~Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (r5) Amount Rate Balance Interest Shortfall Shortfall AV1 99,999,000.00 2.35250% 994.40558216 2.07941259 0.00000000 0.00000000 AV2-A 30,000,000.00 2.29250% 994.40558200 2.02637767 0.00000000 0.00000000 AV2-B 10,000,000.00 2.53250% 994.40558200 2.23851700 0.00000000 0.00000000 AF1 143,587,000.00 2.15250% 982.02859179 1.87894802 0.00000000 0.00000000 AF2 78,733,000.00 3.57400% 1000.00000000 2.97833335 0.00000000 0.00000000 AF3 56,795,000.00 4.03300% 1000.00000000 3.36083335 0.00000000 0.00000000 AF4 35,930,000.00 4.89300% 1000.00000000 4.07750014 0.00000000 0.00000000 AF5 22,635,000.00 5.47200% 1000.00000000 4.56000000 0.00000000 0.00000000 AF6 50,000,000.00 4.82400% 1000.00000000 4.02000000 0.00000000 0.00000000 M1 19,200,000.00 5.15700% 1000.00000000 4.29750000 0.00000000 0.00000000 M2 17,280,000.00 5.28400% 1000.00000000 4.40333333 0.00000000 0.00000000 M3 9,920,000.00 5.38400% 1000.00000000 4.48666633 0.00000000 0.00000000 M4 11,200,000.00 5.48100% 1000.00000000 4.56750000 0.00000000 0.00000000 M5 8,000,000.00 5.63000% 1000.00000000 4.69166625 0.00000000 0.00000000 M6 8,960,000.00 5.72900% 1000.00000000 4.77416629 0.00000000 0.00000000 M7 6,400,000.00 5.87800% 1000.00000000 4.89833281 0.00000000 0.00000000 M8 7,360,000.00 5.99700% 1000.00000000 4.99750000 0.00000000 0.00000000 M9 7,360,000.00 6.25000% 1000.00000000 5.20833288 0.00000000 0.00000000 BIO 0.00 0.00000% 994.74398766 0.00000000 0.00000000 0.00000000 P 0.01 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R 0.01 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes are Per $1000 Denomination

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance AV1 0.00000000 0.00000000 2.07941259 0.00000000 988.14497975 AV2-A 0.00000000 0.00000000 2.02637767 0.00000000 988.14497967 AV2-B 0.00000000 0.00000000 2.23851700 0.00000000 988.14498000 AF1 0.00000000 0.00000000 1.87894802 0.00000000 963.33489947 AF2 0.00000000 0.00000000 2.97833335 0.00000000 1000.00000000 AF3 0.00000000 0.00000000 3.36083335 0.00000000 1000.00000000 AF4 0.00000000 0.00000000 4.07750014 0.00000000 1000.00000000 AF5 0.00000000 0.00000000 4.56000000 0.00000000 1000.00000000 AF6 0.00000000 0.00000000 4.02000000 0.00000000 1000.00000000 M1 0.00000000 0.00000000 4.29750000 0.00000000 1000.00000000 M2 0.00000000 0.00000000 4.40333333 0.00000000 1000.00000000 M3 0.00000000 0.00000000 4.48666633 0.00000000 1000.00000000 M4 0.00000000 0.00000000 4.56750000 0.00000000 1000.00000000 M5 0.00000000 0.00000000 4.69166625 0.00000000 1000.00000000 M6 0.00000000 0.00000000 4.77416629 0.00000000 1000.00000000 M7 0.00000000 0.00000000 4.89833281 0.00000000 1000.00000000 M8 0.00000000 0.00000000 4.99750000 0.00000000 1000.00000000 M9 0.00000000 0.00000000 5.20833288 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 3.22775156 0.00000000 989.18046576 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not ~~applicable~~Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 7,836,317.38 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (sServicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 7,836,317.38 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 287,467.87 Payment of Interest and Principal 7,548,849.51 Total Withdrawals (Pool Distribution Amount) 7,836,317.38 Ending Balance 0.00

~~Exhibits:~~PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00

4SERVICING FEES Gross Servicing Fee 265,264.171 ~~Pooling~~Custodial ~~and~~Fee 2,652.65 FSA Fee 16,272.87 Tax Matters Fee 625.00 Trustee Fee 2,652.65 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing ~~Agreement~~Fee 287,467.87

~~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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 17 0 0 0 17 2,215,118.10 ~~the~~0.00 ~~registrant~~0.00 ~~has~~0.00 ~~duly~~2,215,118.10 ~~caused~~60 ~~this~~Days ~~report~~1 to0 be1 ~~signed~~0 on2 ~~its~~171,478.41 ~~behalf~~0.00 by320,723.10 ~~the~~0.00 ~~undersigned~~492,201.51 ~~thereunto~~90 ~~duly~~Days ~~authorized~~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 18 0 1 0 19 2,386,596.51 0.00 320,723.10 0.00 2,707,319.61 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 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.405341% 0.000000% 0.000000% 0.000000% 0.405341% 0.349898% 0.000000% 0.000000% 0.000000% 0.349898% 60 Days 0.023844% 0.000000% 0.023844% 0.000000% 0.047687% 0.027087% 0.000000% 0.050661% 0.000000% 0.077748% 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 0.429185% 0.000000% 0.023844% 0.000000% 0.453028% 0.376985% 0.000000% 0.050661% 0.000000% 0.427646%

~~RENAISSANCE~~Delinquency ~~MORTGAGE~~Status ~~ACCEPTANCE~~By ~~CORP~~Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 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 7 0 0 0 7 1,250,383.07 0.00 0.00 0.00 1,250,383.07 60 Days 1 0 0 0 1 171,478.41 0.00 0.00 0.00 171,478.41 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 8 0 0 0 8 1,421,861.48 0.00 0.00 0.00 1,421,861.48 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.788288% 0.000000% 0.000000% 0.000000% 0.788288% 0.903851% 0.000000% 0.000000% 0.000000% 0.903851% 60 Days 0.112613% 0.000000% 0.000000% 0.000000% 0.112613% 0.123955% 0.000000% 0.000000% 0.000000% 0.123955% 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 0.900901% 0.000000% 0.000000% 0.000000% 0.900901% 1.027806% 0.000000% 0.000000% 0.000000% 1.027806% 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 10 0 0 0 10 964,735.03 0.00 0.00 0.00 964,735.03 60 Days 0 0 1 0 1 0.00 0.00 320,723.10 0.00 320,723.10 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 10 0 1 0 11 964,735.03 0.00 320,723.10 0.00 1,285,458.13 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.302480% 0.000000% 0.000000% 0.000000% 0.302480% 0.195000% 0.000000% 0.000000% 0.000000% 0.195000% 60 Days 0.000000% 0.000000% 0.030248% 0.000000% 0.030248% 0.000000% 0.000000% 0.064827% 0.000000% 0.064827% 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 0.302480% 0.000000% 0.030248% 0.000000% 0.332728% 0.195000% 0.000000% 0.064827% 0.000000% 0.259828%

~~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 Mixed Fixed & Arm Weighted Average Gross Coupon 7.975552% Weighted Average Net Coupon 7.475552% Weighted Average Pass-Through Rate 7.465552% Weighted Average Maturity(Stepdown Calculation ) 326 Beginning Scheduled Collateral Loan Count 4,218 Number Of Loans Paid In Full 24 Ending Scheduled Collateral Loan Count 4,194 Beginning Scheduled Collateral Balance 636,635,304.35 Ending Scheduled Collateral Balance 633,074,655.08 Ending Actual Collateral Balance at 31-Oct-2004 633,074,655.08 Monthly P &I Constant 4,938,443.08 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 707,178.00 Unscheduled Principal 2,853,471.27

~~Dawn~~Miscellaneous ~~Ceccarini~~Reporting Delinquency Event NO Overcollateralization Amount 16,639,977.84 Extra Principal Paid as Principal 0.00 Cumulative Loss Event NO Subordination Deficiency 0.00 Required Overcollateralization Amount 16,639,977.84 Payments on Class AF-1 Interest Rate Cap 0.00

~~Title:~~Group Level Collateral Statement Group 1 2 Total Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Mixed Fixed & Arm Weighted Average Coupon Rate 8.254510 7.897479 7.975552 Weighted Average Net Rate 7.754510 7.397479 7.475552 Weighted Average Maturity 356 319 326 Beginning Loan Count 894 3,324 4,218 Loans Paid In Full 6 18 24 Ending Loan Count 888 3,306 4,194 Beginning Scheduled Balance 139,216,004.81 497,419,299.54 636,635,304.35 Ending scheduled Balance 138,339,526.74 494,735,128.34 633,074,655.08 Record Date 10/31/2004 10/31/2004 10/31/2004 Principal And Interest Constant 1,052,413.23 3,886,029.85 4,938,443.08 Scheduled Principal 94,780.01 612,397.99 707,178.00 Unscheduled Principal 781,698.06 2,071,773.21 2,853,471.27 Scheduled Interest 957,633.22 3,273,631.86 4,231,265.08 Servicing Fees 58,006.67 207,258.04 265,264.71 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 1,160.13 4,145.16 5,305.29 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 898,466.42 3,062,228.66 3,960,695.08 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 7.744510 7.387479 7.465552

Vice President

Dated: October 15, 2004

EXHIBIT 4.1

Filing Compare · Renaissance Home Equity Loan Trust 2004-3