8-K 1 mit05004_8k-200512.txt 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): December 27, 2005 MORTGAGE IT TRUST Mortgage-Backed Notes, Series 2005-4 (Exact name of registrant as specified in its charter) New York (governing law of 333-119686-05 Pooling and Servicing Agreement) (Commission N/A (State or other File Number) IRS EIN 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 December 27, 2005 a distribution was made to holders of MORTGAGE IT TRUST, Mortgage-Backed Notes, Series 2005-4 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage-Backed Notes, Series 2005-4 Trust, relating to the December 27, 2005 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. MORTGAGE IT TRUST Mortgage-Backed Notes, Series 2005-4 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Officer By: Beth Belfield as Officer Date: 12/30/2005 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage-Backed Notes, Series 2005-4 Trust, relating to the December 27, 2005 distribution. EX-99.1 MortgageIT Trust Mortgage-Backed Notes Record Date: 11/30/2005 Distribution Date: 12/27/2005 MortgageIT Trust Mortgage-Backed Notes Series 2005-4 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 www.ctslink.com Telephone: (301) 815-6600 Fax: (301) 815-6660

~~UNITED~~Certificateholder ~~STATES~~Distribution Summary Class CUSIP Certificate Beginning Interest Pass-Through Certificate Distribution Rate Balance A-1 61913PAZ5 4.47375% 570,900,542.81 2,194,857.66 M-1 61913PBA9 4.64375% 52,027,855.57 207,645.04 M-2 61913PBB7 4.73375% 27,068,329.09 110,129.81 M-3 61913PBC5 4.76375% 18,983,123.32 77,725.16 M-4 61913PBD3 4.84375% 3,515,645.97 14,636.93 B-1 61913PBE1 5.29375% 9,492,049.13 43,199.42 B-2 61913PBF8 5.94375% 4,569,559.81 23,355.91 B-3 61913PBG6 6.69375% 3,515,645.97 20,241.12 Owner Trust MIT0504OT 0.00000% 0.00 516,127.42 Totals 690,072,751.67 3,207,918.47

~~SECURITIES~~Certificateholder ~~AND~~Distribution ~~EXCHANGE~~Summary ~~COMMISSION~~(continued) Class Principal Current Ending Total Cummulative Distribution Realized Certificate Distribution Realized Loss Balance Losses A-1 8,445,544.88 0.00 562,454,997.93 10,640,402.54 0.00 M-1 769,667.49 0.00 51,258,188.07 977,312.53 0.00 M-2 400,431.90 0.00 26,667,897.19 510,561.71 0.00 M-3 280,824.43 0.00 18,702,298.88 358,549.59 0.00 M-4 52,008.26 0.00 3,463,637.71 66,645.19 0.00 B-1 140,419.43 0.00 9,351,629.70 183,618.85 0.00 B-2 67,599.20 0.00 4,501,960.60 90,955.11 0.00 B-3 52,008.26 0.00 3,463,637.71 72,249.38 0.00 Owner Trust 0.00 0.00 0.00 516,127.42 0.00 Totals 10,208,503.85 0.00 679,864,247.79 13,416,422.32 0.00

~~Washington~~Principal Distribution Statement Class Original Beginning Scheduled UnScheduled Accretion Realized Face Certificate Principal Principal Loss Amount Balance Distribution Distribution A-1 585,573,000.00 D570,900,542.C81 0.00 ~~20549~~8,445,544.88 0.00 0.00 M-1 53,365,000.00 52,027,855.57 0.00 769,667.49 0.00 0.00 M-2 27,764,000.00 27,068,329.09 0.00 400,431.90 0.00 0.00 M-3 19,471,000.00 18,983,123.32 0.00 280,824.43 0.00 0.00 M-4 3,606,000.00 3,515,645.97 0.00 52,008.26 0.00 0.00 B-1 9,736,000.00 9,492,049.13 0.00 140,419.43 0.00 0.00 B-2 4,687,000.00 4,569,559.81 0.00 67,599.20 0.00 0.00 B-3 3,606,000.00 3,515,645.97 0.00 52,008.26 0.00 0.00 Owner Trust 0.00 0.00 0.00 0.00 0.00 0.00 Totals 707,808,000.00 690,072,751.67 0.00 10,208,503.85 0.00 0.00

~~FORM~~Principal Distribution Statement (continued) Class Total Ending Ending Total Principal Certificate Certificate Principal Reduction Balance Percentage Distribution A-1 8,445,544.88 562,454,997.93 0.960521 8,445,544.88 M-K1 769,667.49 51,258,188.07 0.960521 769,667.49 M-2 400,431.90 26,667,897.19 0.960521 400,431.90 M-3 280,824.43 18,702,298.88 0.960521 280,824.43 M-4 52,008.26 3,463,637.71 0.960521 52,008.26 B-1 140,419.43 9,351,629.70 0.960521 140,419.43 B-2 67,599.20 4,501,960.60 0.960521 67,599.20 B-3 52,008.26 3,463,637.71 0.960521 52,008.26 Owner Trust 0.00 0.00 0.000000 0.00 Totals 10,208,503.85 679,864,247.79 0.960521 10,208,503.85

~~CURRENT~~Principal ~~REPORT~~Distribution Factors Statement Class Original Beginning Scheduled UnScheduled Accretion Face Certificate Principal Principal Amount Balance Distribution Distribution A-1 585,573,000.00 974.943419 0.000000 14.422702 0.000000 M-1 53,365,000.00 974.943419 0.000000 14.422702 0.000000 M-2 27,764,000.00 974.943419 0.000000 14.422702 0.000000 M-3 19,471,000.00 974.943419 0.000000 14.422702 0.000000 M-4 3,606,000.00 974.943419 0.000000 14.422701 0.000000 B-1 9,736,000.00 974.943419 0.000000 14.422702 0.000000 B-2 4,687,000.00 974.943420 0.000000 14.422701 0.000000 B-3 3,606,000.00 974.943419 0.000000 14.422701 0.000000 Owner Trust 0.00 0.000000 0.000000 0.000000 0.000000

~~Pursuant~~Principal toDistribution ~~Section~~Factors 13Statement ~~or 15~~(dcontinued) ofClass ~~the~~Realized Total Ending Ending Total Loss Principal Certificate Certificate Principal Reduction Balance Percentage Distribution A-1 0.000000 14.422702 960.520717 0.960521 14.422702 M-1 0.000000 14.422702 960.520717 0.960521 14.422702 M-2 0.000000 14.422702 960.520717 0.960521 14.422702 M-3 0.000000 14.422702 960.520717 0.960521 14.422702 M-4 0.000000 14.422701 960.520718 0.960521 14.422701 B-1 0.000000 14.422702 960.520717 0.960521 14.422702 B-2 0.000000 14.422701 960.520717 0.960521 14.422701 B-3 0.000000 14.422701 960.520718 0.960521 14.422701 Owner Trust 0.000000 0.000000 0.000000 0.000000 0.000000

~~Securities~~Interest ~~Exchange~~Distribution ~~Act~~Statement Class Accrual Accrual Current Beginning Current Payment of ~~1934~~Dates Days Certificate Certificate/ Accrued Unpaid Interest Rate Notional Balance Interest Shortfall A-1 11/25/05 - 12/24/05 30 4.47375% 570,900,542.81 2,128,388.59 0.00 M-1 11/25/05 - 12/24/05 30 4.64375% 52,027,855.57 201,336.96 0.00 M-2 11/25/05 - 12/24/05 30 4.73375% 27,068,329.09 106,778.92 0.00 M-3 11/25/05 - 12/24/05 30 4.76375% 18,983,123.32 75,359.04 0.00 M-4 11/25/05 - 12/24/05 30 4.84375% 3,515,645.97 14,190.76 0.00 B-1 11/25/05 - 12/24/05 30 5.29375% 9,492,049.13 41,873.78 0.00 B-2 11/25/05 - 12/24/05 30 5.94375% 4,569,559.81 22,633.60 0.00 B-3 11/25/05 - 12/24/05 30 6.69375% 3,515,645.97 19,610.71 0.00 Owner Trust N/A N/A 0.00000% 0.00 0.00 0.00 Totals 2,610,172.36 0.00

~~Date~~Interest ofDistribution ~~Report~~Statement (~~Date~~continued) ofClass ~~earliest~~Current ~~event~~Non-Supported ~~reported~~Total Remaining Ending Interest Interest Interest Unpaid Interest Certificate/Notional Shortfall(1) ~~October~~Shortfall 17Distribution Shortfall(2) Balance A-1 0.00 0.00 2,194,857.66 ~~2005~~0.00 562,454,997.93 M-1 0.00 0.00 207,645.04 0.00 51,258,188.07 M-2 0.00 0.00 110,129.81 0.00 26,667,897.19 M-3 0.00 0.00 77,725.16 0.00 18,702,298.88 M-4 0.00 0.00 14,636.93 0.00 3,463,637.71 B-1 0.00 0.00 43,199.42 0.00 9,351,629.70 B-2 0.00 0.00 23,355.91 0.00 4,501,960.60 B-3 0.00 0.00 20,241.12 0.00 3,463,637.71 Owner Trust 0.00 0.00 516,127.42 0.00 0.00 Totals 0.00 0.00 3,207,918.47 0.00 (1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable

~~MortgageIT~~Interest ~~Securities~~Distribution ~~Corp.~~Factors ~~(as~~Statement ~~depositor~~Class ~~under~~Accrual ~~the~~Original ~~MortgageIT~~Current ~~Trust~~Beginning ~~2005~~Current Payment of Dates Face Certificate Certificate/Notional Accrued Unpaid Interest Amount Rate Balance Interest Shortfall A-1 11/25/05 - 12/24/05 585,573,000.00 4.47375% ~~Indenture~~974.943419 ~~dated~~3.634711 as0.000000 ofM-1 ~~August~~11/25/05 - 12/24/05 53,365,000.00 ~~2005~~4.64375% 974.943419 3.772828 0.000000 M-2 11/25/05 - 12/24/05 27,764,000.00 ~~providing~~4.73375% ~~for~~974.943419 3.845949 0.000000 M-3 11/25/05 - 12/24/05 19,471,000.00 ~~inter~~4.76375% ~~alia~~974.943419 3.870322 0.000000 M-4 11/25/05 - 12/24/05 3,606,000.00 ~~the~~4.84375% ~~issuance~~974.943419 of3.935319 ~~Mortgage~~0.000000 B-~~Backed~~1 ~~Notes~~11/25/05 ~~Series~~- ~~2005~~12/24/05 9,736,000.00 5.29375% 974.943419 4.300922 0.000000 B-2 11/25/05 - 12/24/05 4),687,000.00 5.94375% 974.943420 4.829016 0.000000 B-3 11/25/05 - 12/24/05 3,606,000.00 6.69375% 974.943419 5.438356 0.000000 Owner TrustN/A 0.00 0.00000% 0.000000 0.000000 0.000000

~~MORTGAGEIT~~Interest ~~SECURITIES~~Distribution ~~CORP~~Factors Statement (continued) Class Current Non-Supported Total Remaining Unpaid Ending Interest Interest Interest Interest Certificate/ Shortfall(1) Shortfall Distribution Shortfall(2) Notional Balance A-1 0.000000 0.000000 3.748222 0.000000 960.520717 M-1 0.000000 0.000000 3.891034 0.000000 960.520717 M-2 0.000000 0.000000 3.966641 0.000000 960.520717 M-3 0.000000 0.000000 3.991842 0.000000 960.520717 M-4 0.000000 0.000000 4.059049 0.000000 960.520718 B-1 0.000000 0.000000 4.437081 0.000000 960.520717 B-2 0.000000 0.000000 4.983126 0.000000 960.520717 B-3 0.000000 0.000000 5.613178 0.000000 960.520718 Owner Trust 0.000000 0.000000 0.000000 0.000000 0.000000 (1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable. Per $1 denomination.

~~(Exact~~Certificateholder ~~name~~Component ofStatement ~~registrant~~Component asBeginning ~~specified~~Ending inBeginning ~~its~~Ending ~~charter)~~Ending Pass-Through Notional Notional Component Component Component Class Rate Balance Balance Balance Balance Percentage

Delaware	333-119686	56-2483326
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)
33 Maiden Lane New York, New York		10038
(Address of Principal Executive Offices)		(Zip Code)

~~Registrants~~PREPAYMENT/CURTAILMENT ~~telephone~~INTEREST ~~number,~~SHORTFALL ~~including~~Total ~~area~~Prepayment/Curtailment ~~code,~~Interest isShortfall ~~(212)~~0.00 ~~651~~Servicing Fee Support 0.00 Non-~~7700~~Supported Prepayment/Curtailment Interest Shortfall 0.00

~~Check~~ADMINISTRATION ~~the~~FEES ~~appropriate~~Gross ~~box~~Servicing ~~below~~Fee* if146,545.16 ~~the~~Supported ~~Form~~Prepayment/Curtailment ~~8-K~~Interest ~~filing~~Shortfall is0.00 ~~intended~~Total toAdministration ~~simultaneously~~Fees ~~satisfy~~146,545.16 ~~the~~*Servicer ~~filing~~Payees ~~obligation~~include: ofGMAC ~~the~~MTG ~~registrant under any of the following provisions (see General Instruction A.2. below):~~CORP

~~[_]~~COLLATERAL ~~Written~~STATEMENT ~~communications~~Collateral ~~pursuant~~Description toMixed ~~Rule~~ARM ~~425~~Weighted ~~under~~Average ~~the~~Gross ~~Securities~~Coupon ~~Act~~5.719653% ~~(17~~Weighted ~~CFR~~Average ~~230~~Net Coupon 5.~~425)~~469653% Weighted Average Pass-Through Rate 5.469653% Weighted Average Remaining Term 356 Beginning Scheduled Collateral Loan Count 2,611 Number Of Loans Paid In Full 31 Ending Scheduled Collateral Loan Count 2,580 Beginning Scheduled Collateral Balance 703,413,996.36 Ending Scheduled Collateral Balance 693,205,492.50 Ending Actual Collateral Balance at 30-Nov-2005 693,257,703.93 Monthly P&I Constant 3,438,334.72 Special Servicing Fee 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 85,597.80 Unscheduled Principal 10,122,906.06 Required Overcollateralized Amount 0.00 Overcollateralized Increase Amount 0.00 Overcollateralized Reduction Amount 0.00 Specified O/C Amount 13,341,244.71 Overcollateralized Amount 13,341,244.71 Overcollateralized Deficiency Amount 0.00 Base Overcollateralization Amount 0.00 Extra principal distribution Amount 0.00 Excess Cash Amount 600,699.14

~~[_]~~Additional ~~Soliciting~~Reporting ~~material pursuant to Rule 14a~~-~~12(b)~~ ~~under~~Deal ~~the~~Level ~~Exchange~~Miscellaneous ~~Act~~Reporting ~~(17~~Cap ~~CFR~~Payment ~~240~~Received 1726.~~14a-12(b))~~72

~~[_]~~LOAN ~~Pre-commencement~~STATUS ~~communications~~STRATIFICATION/CREDIT ~~pursuant~~ENHANCEMENT toSTATEMENT ~~Rule~~DELINQUENT ~~14d~~BANKRUPTCY FORECLOSURE REO TOTAL 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 34 0 0 0 34 8,501,528.97 0.00 0.00 0.00 8,501,528.97 60 Days 8 0 0 0 8 2~~(b)~~,856,173.95 ~~under~~0.00 ~~the~~0.00 ~~Exchange~~0.00 ~~Act~~2,856,173.95 ~~(17~~90 ~~CFR~~Days ~~240~~2 0 0 0 2 881,715.~~14d~~10 0.00 0.00 0.00 881,715.10 120 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 44 0 0 0 44 12,239,418.02 0.00 0.00 0.00 12,239,418.02 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-~~2(b))~~29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.317829% 0.000000% 0.000000% 0.000000% 1.317829% 1.226316% 0.000000% 0.000000% 0.000000% 1.226316% 60 Days 0.310078% 0.000000% 0.000000% 0.000000% 0.310078% 0.411993% 0.000000% 0.000000% 0.000000% 0.411993% 90 Days 0.077519% 0.000000% 0.000000% 0.000000% 0.077519% 0.127184% 0.000000% 0.000000% 0.000000% 0.127184% 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 1.705426% 0.000000% 0.000000% 0.000000% 1.705426% 1.765493% 0.000000% 0.000000% 0.000000% 1.765493%

~~[_]~~OTHER ~~Pre-commencement~~INFORMATION ~~communications~~Current ~~pursuant~~Period toClass ~~Rule~~A ~~13e-4(c)~~Insufficient ~~under~~Funds ~~the~~0.00 ~~Exchange~~Principal ~~Act~~Balance ~~(17~~of ~~CFR~~Contaminated ~~240~~Properties 0.~~13e-4(c))~~00 Periodic Advance 58,374.56

REO Detail - All Mortgage Loans in REO during Current Period

Item 9.01(c).	Financial Statements, Pro Forma Financial Information and Exhibits.
(a)	Not applicable
(b)	Not applicable
(c)	Exhibits:

~~1. Supplemental~~REO ~~Indenture~~Loan ~~Number~~Detail ~~One~~- toAll ~~the~~Mortgage ~~Indenture,~~Loans ~~dated~~in asREO ofduring ~~August~~Current ~~24,~~Period ~~2005,~~Month ~~among~~Loan ~~MortgageIT~~First ~~Trust~~Original ~~2005-4,~~Loan asEntered ~~Issuer,~~Payment ~~Wells~~LTV ~~Fargo~~at ~~Bank,~~Principal ~~National~~Group ~~Association,~~Number asREO ~~Securities~~Date ~~Administrator~~State ~~and~~Origination ~~Deutsche~~Balance ~~Bank~~No ~~National~~REO ~~Trust~~loans ~~Company,~~this ~~as Indenture Trustee~~period.

~~SIGNATURE~~REO Loan Detail - All Mortgage Loans in REO during Current Period (continued) Current Paid Current Approximate Loan Principal To Months Loan Delinquent Group Number Balance Date Delinquent Rate Interest No REO loans this period.

Foreclosure Detail - All Mortgage Loans in Foreclosure during Current Period

~~Pursuant~~Summary to12 ~~the~~Month ~~requirements~~Foreclosure ofHistory* ~~the~~New ~~Securities~~Foreclosure ~~Exchange~~Loans ~~Act~~Month ofForeclosure ~~1934,~~Percentage ~~the~~Loans ~~Registrant~~in ~~has~~Foreclosure ~~duly~~0 ~~caused~~Jan-05 ~~this~~0.000% ~~report~~Original toPrincipal beBalance ~~signed~~0.00 onFeb-05 ~~behalf~~0.000% ofCurrent Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% Current Foreclosure Total May-05 0.000% Loans in Foreclosure 0 Jun-05 0.000% Original Principal Balance 0.00 Jul-05 0.000% Current Principal Balance 0.00 Aug-05 0.000% Sep-05 0.000% Oct-05 0.000% Nov-05 0.000% Dec-05 0.000% *The text reported in the ~~Registrant~~above bytable is presented graphically on the ~~undersigned~~monthly ~~thereunto~~bond ~~duly~~remittance ~~authorized~~report. The monthly bond remittance report can be viewed online at www.ctslink.com.

~~MORTGAGEIT~~Foreclosure ~~Securities~~Loan ~~Corp.~~Detail ~~By:~~- ~~/S/~~All ~~Donald~~Mortgage ~~Epstein~~Loans ~~Name:~~in ~~Donald~~Foreclosure ~~Epstein~~during ~~Title:~~Current ~~Treasurer~~Period Month Loan First Original Loan Entered Payment LTV at Principal Group Number FC Date State Origination Balance No Foreclosure loans this period.

~~Dated:~~Foreclosure ~~October~~Loan ~~17,~~Detail ~~2005~~- All Mortgage Loans in Foreclosure during Current Period (continued) Current Paid Current Approximate Loan Principal To Months Loan Delinquent Group Number Balance Date Delinquent Rate Interest No Foreclosure loans this period.

Bankruptcy Detail - All Mortgage Loans in Bankruptcy during Current Period

~~EXHIBIT~~Summary ~~INDEX~~12 Month Bankruptcy History* New Bankruptcy Loans Month Bankruptcy Percentage Loans in Bankruptcy 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% Current Bankruptcy Total May-05 0.000% Loans in Bankruptcy 0 Jun-05 0.000% Original Principal Balance 0.00 Jul-05 0.000% Current Principal Balance 0.00 Aug-05 0.000% Sep-05 0.000% Oct-05 0.000% Nov-05 0.000% Dec-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com.

Exhibit Number	Item 601 (a) of Regulation S-K Exhibit No.	Sequentially Numbered Description	Page
1	4	Supplemental Indenture Number One to the Indenture, dated as of August 24, 2005, among MortgageIT Trust 2005-4, as Issuer, Wells Fargo Bank, National Association, as Securities Administrator and Deutsche Bank National Trust Company, as Indenture Trustee.	5

Prepayment - Voluntary Prepayments

Filing Compare · MORTGAGEIT TRUST 2005-4, Mortgage-Backed Notes, Series 2005-4