8-K 1 opt04003_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 OPTION ONE MORTGAGE LOAN TRUST Asset Backed Certificates, Series 2004-3 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-101483-05 54-2162633 Pooling and Servicing Agreement) (Commission 54-2162634 (State or other File Number) 54-2162635 jurisdiction 54-2162636 of Incorporation) 54-2162637 IRS EIN c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, Maryland 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 OPTION ONE MORTGAGE LOAN TRUST, Asset Backed Certificates, 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 Asset Backed Certificates, 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. OPTION ONE MORTGAGE LOAN TRUST Asset Backed Certificates, 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 Asset Backed Certificates, Series 2004-3 Trust, relating to the November 26, 2004 distribution. EX-99.1

~~Delaware~~Option ~~333~~One Mortgage Loan Trust Asset Backed Certificates Record Date: 10/31/2004 Distribution Date: 11/26/2004 OOMC Series: 2004-~~104020~~3 33Contact: Customer Service -~~0727357~~ CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution A-1 68389FFP4 SEN 2.18000% 400,000,000.00 1,259,555.56 8,934,717.64 A-2 68389FFQ2 SEN 1.99000% 145,000,000.00 416,794.44 6,839,638.99 A-3 68389FFR0 SEN 2.14000% 225,500,000.00 697,045.56 0.00 A-4 68389FFS8 SEN 2.29000% 44,500,000.00 147,196.11 0.00 M-1 68389FFT6 MEZ 2.36000% 31,500,000.00 107,380.00 0.00 M-2 68389FFU3 MEZ 2.41000% 28,000,000.00 97,471.11 0.00 M-3 68389FFV1 MEZ 2.49000% 15,000,000.00 53,950.00 0.00 M-4 68389FFW9 MEZ 2.79000% 15,500,000.00 62,465.00 0.00 M-5 68389FFX7 MEZ 2.89000% 14,500,000.00 60,529.44 0.00 M-6 68389FFY5 MEZ 3.09000% 12,000,000.00 53,560.00 0.00 M-7 68389FFZ2 MEZ 3.49000% 12,500,000.00 63,013.89 0.00 M-8 68389FGA6 MEZ 3.59000% 8,000,000.00 41,484.44 0.00 M---9 68389FGB4 MEZ 4.99000% 10,000,000.00 72,077.78 0.00 M-~~---------~~10 ~~(State~~68389FGC2 orMEZ ~~Other~~5.34000% ~~Jurisdiction~~10,500,000.00 of80,990.00 ~~(Commission~~0.00 ~~File~~P ~~Number)~~OPT04003P (IPre Pay 0.R00000% 100.S00 214,157.70 ~~Employer~~0.00 ~~Identification~~C ~~Incorporation)~~OPT04003C ~~Number)~~OC 30.00000% ~~Ada~~27,499,900.00 ~~Irvine~~2,700,633.68 ~~California~~0.00 ~~92618~~R ~~------------------~~68389FGD0 ~~-----~~MEZ ~~(Address~~0.00000% of0.00 ~~Principal~~0.00 ~~Executive~~0.00 ~~Offices~~RX ~~(Zip~~OPT0403RX ~~Code)~~MEZ 0.00000% 0.00 0.00 0.00 Totals 1,000,000,000.00 6,128,304.71 15,774,356.63

~~INITIAL~~Certificateholder ~~CERTIFICATE~~Distribution ~~PRINCIPAL~~Summary ~~CLASS~~(continued) ~~BALANCE~~Current OREnding ~~NOTIONAL~~Cumulative ~~AMOUNT~~Realized ~~PASS-THROUGH~~Certificate ~~RATE~~Total ~~-----~~Realized ~~--------------------------~~Class ~~-----------------~~Loss Balance Distribution Losses A-1 ~~$400~~0.00 391,~~000~~065,~~000~~282.36 ~~Variable~~10,194,273.20 0.00 A-2 ~~$145~~0.00 138,~~000~~160,~~000~~361.01 ~~Variable~~7,256,433.43 0.00 A-3 $0.00 225,500,000.00 ~~Variable~~697,045.56 0.00 A-4 $0.00 44,500,000.00 ~~Variable~~147,196.11 0.00 M-1 $0.00 31,500,000.00 ~~Variable~~107,380.00 0.00 M-2 $0.00 28,000,000.00 ~~Variable~~97,471.11 0.00 M-3 $0.00 15,000,000.00 ~~Variable~~53,950.00 0.00 M-4 $0.00 15,500,000.00 ~~Variable~~62,465.00 0.00 M-5 $0.00 14,500,000.00 ~~Variable~~60,529.44 0.00 M-6 $0.00 12,000,000.00 ~~Variable~~53,560.00 0.00 M-7 $0.00 12,500,000.00 ~~Variable~~63,013.89 0.00 M-8 $0.00 8,000,000.00 ~~Variable~~41,484.44 0.00 M-9 $0.00 10,000,000.00 ~~Variable~~72,077.78 0.00 M-10 $0.00 10,500,000.00 ~~Variable~~80,990.00 0.00 P 0.00 100.00 214,157.70 0.00 C $0.00 27,~~499~~500,~~900~~000.00 ~~Variable~~2,700,633.68 P0.00 $R ~~100~~0.00 ~~N/A~~0.00 R0.00 ~~100~~0.00 %RX ~~N/A~~0.00 ~~R-X~~0.00 ~~100~~0.00 %0.00 ~~N/A~~Totals 0.00 984,225,743.37 21,902,661.34 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

~~SEQUENTIALLY~~Principal ~~EXHIBIT~~Distribution NOStatement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) A-1 400,000,000.00 ~~DESCRIPTION~~400,000,000.00 ~~NUMBERED~~0.00 ~~PAGE~~8,934,717.64 0.00 0.00 A-2 145,000,000.00 145,000,000.00 0.00 6,839,638.99 0.00 0.00 A-3 225,500,000.00 225,500,000.00 0.00 0.00 0.00 0.00 A-4 44,500,000.00 44,500,000.00 0.00 0.00 0.00 0.00 M-1 31,500,000.00 31,500,000.00 0.00 0.00 0.00 0.00 M-2 28,000,000.00 28,000,000.00 0.00 0.00 0.00 0.00 M-3 15,000,000.00 15,000,000.00 0.00 0.00 0.00 0.00 M-4 15,500,000.00 15,500,000.00 0.00 0.00 0.00 0.00 M-5 14,500,000.00 14,500,000.00 0.00 0.00 0.00 0.00 M---6 12,000,000.00 12,000,000.00 0.00 0.00 0.00 0.00 M-~~----------~~7 12,500,000.00 12,500,000.00 0.00 0.00 0.00 0.00 M-~~------------~~8 48,000,000.100 ~~Pooling~~8,000,000.00 ~~and~~0.00 ~~Servicing~~0.00 ~~Agreement~~0.00 0.00 M-9 10,000,000.00 ~~dated~~10,000,000.00 as0.00 of0.00 ~~October~~0.00 10.00 M-10 10,500,000.00 ~~2004~~10,500,000.00 70.00 by0.00 ~~and~~0.00 ~~among~~0.00 ~~Option~~P ~~One~~100.00 ~~Mortgage~~100.00 ~~Acceptance~~0.00 ~~Corporation~~0.00 as0.00 ~~Depositor~~0.00 C 27,499,900.00 ~~One~~27,499,900.00 ~~Mortgage~~0.00 ~~Corporation~~0.00 as0.00 ~~Master~~0.00 ~~Servicer~~R ~~and~~0.00 ~~Wells~~0.00 ~~Fargo~~0.00 ~~Bank~~0.00 0.00 0.00 RX 0.00 0.00 0.00 0.00 0.00 0.00 Totals 1,000,000,000.00 N1,000,000,000.A00 0.00 as15,774,356.63 ~~Trustee~~0.00 ~~relating~~0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the ~~Series~~Prospectus ~~2004-3~~Supplement ~~Certificates~~for a Full Description.

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