8-K 1 cwt04j2_8k0408.txt 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 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2004-J2) (Exact name of registrant as specified in charter) Delaware 33-63714 95-4449516 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) , , N/A 91110-7137 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (818)-304-4428 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events CWT CHL Mortgage Pass-Through Certificates Series 2004-J2 On August 25, 2004, The Bank of New York, as Trustee for CWT, CHL Mortgage Pass-Through Certificates Series 2004-J2, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of March 1, 2004, among CWT as Depositor, Countrywide Home Loans, Seller and Master Servicer and The Bank of New York, as Trustee. Item 7. Financial Statements and Exhibits (c) Exhibits Exhibit No. Description 99 Report to Holders of CWT, CHL Mortgage Pass-Through Certificates Series 2004-J2 relating to the distribution date of August 25, 2004 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of March 1, 2004. 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 thereunto duly authorized. Dated: August 25, 2004 CWT By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated August 25, 2004 Payment Date: 08/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------

Class Information Current Payment Information ---------------------------------------------------------------------------------------------------------------------------------- Beginning Pass Thru Principal Interest Total Principal Interest Type Class Code Name Cert. Bal. Rate Dist. Amt. Dist. Amt. Dist. Losses Shortfalls ---------------------------------------------------------------------------------------------------------------------------------- Senior 1A1 6057,~~427~~670,~~421~~701.4541 6.000000% 21,~~115~~408,~~469~~800.8326 ~~302~~288,~~137~~333.1156 21,~~417~~697,~~606~~133.9482 0.00 019.0094 1X 4542,~~421~~967,~~791~~557.1031 0.~~332349~~328318% 0.00 1211,~~579~~755.9087 1211,~~579~~755.9087 0.00 0.00 2A1 4138,~~745~~187,~~812~~500.5094 6.500000% 1,~~624~~540,~~489~~823.1282 ~~226~~206,~~123~~848.1596 1,~~850~~747,~~612~~672.2778 0.00 0.00 2X 4238,~~304~~742,~~351~~655.7761 0.~~439142~~445494% 0.00 1514,~~481~~383.3403 1514,~~481~~383.3403 0.00 0.00 3A1 1816,~~086,~~116,867.9712 3.500000% ~~960~~1,~~007~~057,546.6577 5247,~~751~~007.1753 1,~~012~~104,~~758~~554.8230 0.00 0.00 3A2 50,413,000.00 3.500000% 0.00 147,037.92 147,037.92 0.00 0.00 3A3 28,135,000.00 5.500000% 0.00 128,952.08 128,952.08 0.00 0.00 3A4 1613,~~078~~395,~~184~~794.5794 5.500000% 1796,~~460,826~~306.5212 7361,~~691~~397.6839 1857,~~534,518~~703.2052 0.00 0.00 3A5 14,278,000.00 5.750000% 0.00 68,415.42 68,415.42 0.00 0.00 3A6 649,000.00 0.000000% 0.00 0.00 0.00 0.00 0.00 3A7 25,000.00 5.500000% 0.00 114.58 114.58 0.00 0.00 3A8 24,~~908~~192,~~769~~678.8195 5.500000% 0.00 ~~114~~110,~~165~~883.1911 ~~114~~110,~~165~~883.1911 0.00 0.00 3X ~~108~~104,~~491~~196,~~785~~525.2450 0.~~291348~~291752% 0.00 2625,~~340~~332.7596 2625,~~340~~332.7596 0.00 0.00 4A1 4843,~~026~~992,~~219~~613.2953 6.000000% 12,~~614~~976,~~745~~701.5801 ~~240~~219,~~131~~963.1007 13,~~854~~196,~~876~~664.6808 0.00 0.00 4X 5046,~~514~~476,~~748~~862.5163 0.~~271650~~261903% 0.00 1110,~~435~~143.2668 1110,~~435~~143.2668 0.00 0.00 5A1 20,~~945~~014,~~779~~564.9055 5.000000% ~~389~~517,~~633~~590.9218 8783,~~274~~394.0802 ~~476~~600,~~908~~984.0020 0.00 0.00 5X 1918,~~749~~827,~~004~~621.5070 0.~~404470~~399875% 0.00 6,~~656~~273.5792 6,~~656~~273.5792 0.00 0.00 6A1 34,~~523~~310,~~268~~212.7383 5.000000% ~~128~~85,~~409~~154.4674 ~~143~~142,~~846~~959.9522 ~~272~~228,~~256~~113.4196 0.00 0.00 6X 36,~~387~~166,~~506~~007.1777 0.~~613103~~613466% 0.00 18,~~591~~488.0686 18,~~591~~488.0686 0.00 0.00 7A1 3833,~~657~~432,~~552~~035.6894 6.000000% 3754,~~799,414~~035.0076 ~~193~~167,~~287~~160.7618 3921,~~992,701~~195.7694 0.00 0.00 7X 3833,~~573~~344,~~708~~201.4572 0.~~902810~~878677% 0.00 2924,~~020~~415.6264 2924,~~020~~415.6264 0.00 0.00 PO 1,~~356~~340,~~436~~767.3542 0.000000% 107,~~111~~048.0828 0.00 107,~~111~~048.0828 0.00 0.00 M 8,~~354~~329,~~282~~992.1079 5.~~743066~~743293% 1310,~~556~~860.3428 39,~~982~~867.6654 5350,~~539~~727.0082 0.00 0.0045 B1 3,~~967~~955,~~312~~777.1151 5.~~743066~~743293% 65,~~437~~157.6837 18,~~987~~932.1144 2524,~~424~~089.8081 0.00 0.0022 B2 2,~~296~~289,~~655~~977.0573 5.~~743066~~743293% 32,~~726~~985.7457 10,~~991~~959.5489 1413,~~718~~945.2746 0.00 0.0012 B3 2,~~296~~289,~~655~~977.0573 5.~~743066~~743293% 32,~~726~~985.7457 10,~~991~~959.5489 1413,~~718~~945.2746 0.00 0.0012 B4 1,~~670~~665,~~657~~799.0677 5.~~743066~~743293% 2,~~710~~171.9480 7,~~995~~972.5856 10,~~706~~144.5235 0.00 0.0009 B5 1,~~252~~249,~~854~~211.3882 5.~~743066~~743293% 21,~~032~~628.9859 5,~~996~~978.0276 87,~~029~~607.0034 0.0008 0.0007 Residual AR 0.00 5.000000% 0.00 0.0200 0.0200 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~393~~371,~~185~~741,~~208~~796.1802 - 129,~~135~~169,~~298~~796.5811 1,~~992~~877,~~978~~932.1707 1411,~~128~~047,~~276~~728.7518 -0.08 -21.02 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 5856,~~311~~261,~~951~~901.6115 019.0094 1X 4341,~~590~~802,~~424~~324.6852 0.00 2A1 4036,~~121~~646,~~323~~677.3812 0.00 2X 4037,~~676~~302,~~555~~321.0209 0.00 3A1 1715,~~126~~059,~~109~~320.3235 0.00 3A2 50,413,000.00 0.00 3A3 28,135,000.00 0.00 3A4 1412,~~617~~599,~~358~~488.0682 0.00 3A5 14,278,000.00 0.00 3A6 649,000.00 0.00 3A7 25,000.00 0.00 3A8 2423,~~559~~808,~~676~~116.1249 0.00 3X ~~106~~102,~~253~~370,~~117~~224.8021 0.00 4A1 4641,~~411~~015,~~473~~912.7152 0.00 4X 4843,~~897~~498,~~853~~019.7883 0.00 5A1 2019,~~556~~496,~~145~~974.9837 0.00 5X 1918,~~364~~315,~~306~~018.7076 0.00 6A1 34,~~394~~225,~~859~~058.2809 0.00 6X 36,~~254~~076,~~887~~596.3985 0.00 7A1 3432,~~858~~678,~~138~~000.6818 0.00 7X 3432,~~772~~588,~~265~~151.5610 0.00 PO 1,~~346~~333,~~325~~719.2614 0.00 M 8,~~340~~319,~~725~~132.7751 0.0045 B1 3,~~960~~950,~~874~~620.4214 0.0022 B2 2,~~292~~286,~~928~~992.3116 0.0012 B3 2,~~292~~286,~~928~~992.3116 0.0012 B4 1,~~667~~663,~~946~~627.1198 0.0009 B5 1,~~250~~247,~~821~~583.3915 0.0007 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~381~~362,~~049~~571,~~909~~999.6083 -21.02 --------------------------------------------------------------------------------

Payment Date: 08/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------

Class Information Current Payment Information Factors per $1,000 ------------------------------------------------------------------------------------------------------------------------ Beginning Pass Thru CUSIP Principal Interest Ending Cert./ Type Class Code Name Cert. Bal.(Face) Rate Numbers Dist. Dist. Notional Bal. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Senior 1A1 6057,~~427~~670,~~421~~701.4541 6.000000% 12667FEA9 3422.~~082551~~697325 4.~~867762~~645371 ~~939~~906.~~469810~~441237 1X 4542,~~421~~967,~~791~~557.1031 0.~~332349~~328318% 12667FEB7 0.000000 0.~~267201~~249698 ~~925~~887.~~872877~~893127 2A1 4138,~~745~~187,~~812~~500.5094 6.500000% 12667FED3 3533.~~386523~~564028 4.~~925679~~505826 ~~873~~798.~~969621~~280809 2X 4238,~~304~~742,~~351~~655.7761 0.~~439142~~445494% 12667FEC5 0.000000 0.~~335227~~311445 ~~880~~807.~~795478~~731031 3A1 1816,~~086,~~116,867.9712 3.500000% 12667FEE1 4853.~~350927~~263499 2.~~656821~~367541 ~~862~~758.~~559019~~464888 3A2 50,413,000.00 3.500000% 12667FEF8 0.000000 2.916667 1,000.000000 3A3 28,135,000.00 5.500000% 12667FEG6 0.000000 4.583333 1,000.000000 3A4 1613,~~078~~395,~~184~~794.5794 5.500000% 12667FEH4 7641.~~491073~~695786 3.~~858607~~214860 ~~765~~659.~~386850~~728182 3A5 14,278,000.00 5.750000% 12667FEJ0 0.000000 4.791667 1,000.000000 3A6 649,000.00 0.000000% 12667FEK7 0.000000 0.000000 1,000.000000 3A7 25,000.00 5.500000% 12667FEL5 0.000000 4.583333 1,000.000000 3A8 24,~~908~~192,~~769~~678.8195 5.500000% 12667FEM3 0.000000 4.~~467955~~339508 ~~961~~931.~~164532~~751585 3X ~~108~~104,~~491~~196,~~785~~525.2450 0.~~291348~~291752% 12667FEN1 0.000000 0.~~233646~~224706 ~~942~~908.~~477950~~036217 4A1 4843,~~026~~992,~~219~~613.2953 6.000000% 12667FET8 3259.~~305896~~554269 4.~~804255~~400758 ~~928~~820.~~545180~~597253 4X 5046,~~514~~476,~~748~~862.5163 0.~~271650~~261903% 12667FEP6 0.000000 0.~~217915~~193302 ~~931~~828.~~816895~~915517 5A1 20,~~945~~014,~~779~~564.9055 5.000000% 12667FEU5 1824.~~258384~~254460 43.~~089695~~907873 ~~963~~913.~~268322~~635163 5X 1918,~~749~~827,~~004~~621.5070 0.~~404470~~399875% 12667FEQ4 0.000000 0.~~330624~~311618 ~~961~~909.~~802564~~685654 6A1 34,~~523~~310,~~268~~212.7383 5.000000% 12667FEV3 32.~~422153~~269401 3.~~833567~~809909 ~~916~~912.~~634045~~108789 6X 36,~~387~~166,~~506~~007.1777 0.~~613103~~613466% 12667FER2 0.000000 0.~~471915~~469320 ~~920~~915.~~292226~~766508 7A1 3833,~~657~~432,~~552~~035.6894 6.000000% 12667FEW1 7815.~~570093~~593105 3.~~997100~~456794 ~~720~~675.~~849901~~765663 7X 3833,~~573~~344,~~708~~201.4572 0.~~902810~~878677% 12667FES0 0.000000 0.~~601133~~505745 ~~720~~675.~~272529~~030793 PO 1,~~356~~340,~~436~~767.3542 0.000000% 12667FEX9 75.~~365312~~134247 0.000000 ~~980~~971.~~716425~~533627 M 8,~~354~~329,~~282~~992.1079 5.~~743066~~743293% 12667FEZ4 1.~~617508~~295821 4.~~770632~~756895 ~~995~~992.~~194579~~618125 B1 3,~~967~~955,~~312~~777.1151 5.~~743066~~743293% 12667FFA8 1.~~617508~~295821 4.~~770632~~756895 ~~995~~992.~~194579~~618125 B2 2,~~296~~289,~~655~~977.0573 5.~~743066~~743293% 12667FFB6 1.~~617508~~295821 4.~~770632~~756895 ~~995~~992.~~194579~~618125 B3 2,~~296~~289,~~655~~977.0573 5.~~743066~~743293% 12667FDK8 1.~~617508~~295821 4.~~770632~~756895 ~~995~~992.~~194579~~618125 B4 1,~~670~~665,~~657~~799.0677 5.~~743066~~743293% 12667FDL6 1.~~617508~~295821 4.~~770632~~756895 ~~995~~992.~~194579~~618125 B5 1,~~252~~249,~~854~~211.3882 5.~~743066~~743293% 12667FDM4 1.~~617508~~295756 4.~~770632~~756895 ~~995~~992.~~194579~~618125 Residual AR 0.00 5.000000% 12667FEY7 0.000000 0.~~168750~~000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~393~~371,~~185~~741,~~208~~796.1802 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J2 Alternative Loan Trust 2004-J2 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 60,057,699.63 38,915,790.29 128,402,877.30 Loan count 412 381 573 Avg loan rate 6.420912% 7.185218% 5.965414% Prepay amount 1,359,156.58 1,510,191.49 1,731,044.44 Prin balance 43,498,019.83 20,546,791.42 36,076,596.85 Loan count 243 145 90 Avg loan rate 6.520903% 5.615389% 5.872466% Prepay amount 2,938,772.87 441,738.73 6,465.76 Total ----- Prin balance 35,074,224.51 362,571,999.83 Loan count 82 1926 Avg loan rate 7.082615% 6.32 Prepay amount 698,084.95 8,685,454.82 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 11,403.49 4,310.10 24,534.69 Sub servicer fees 0.00 0.00 0.00 Trustee fees 461.07 303.44 976.98 Agg advances N/A N/A N/A Adv this period 6,170.77 11,270.03 7,395.42 Master serv fees 4,841.34 4,389.25 7,534.58 Sub servicer fees 0.00 0.00 0.00 Trustee fees 348.58 158.01 271.25 Agg advances N/A N/A N/A Adv this period 8,616.47 4,929.96 5,658.97 Total ----- Master serv fees 6,662.73 63,676.17 Sub servicer fees 196.35 196.35 Trustee fees 268.74 2,788.06 Agg advances N/A N/A Adv this period 2,661.21 46,702.83 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 17,470.53 12,778.14 37,049.74 Fraud 1,318,000.00 964,000.09 2,795,081.73 Special Hazard 3,957,146.82 0.00 0.00 Bankruptcy 13,911.69 5,940.88 10,443.87 Fraud 1,049,516.48 448,187.82 787,899.54 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 97,594.87 Fraud 1,015,450.20 8,378,135.85 Special Hazard 0.00 3,957,146.82 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 371,741,796.02 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 29 5,145,024.57 60 to 89 days 3 748,525.35 90 or more 2 333,010.42 Foreclosure 10 457,229.35 Totals: 44 6,683,789.69 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 147,683.55 Current Total Outstanding Number of Loans: 1 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 11,047,728.18 11,047,728.18 Principal remittance amount 9,169,796.11 9,169,796.11 Interest remittance amount 1,877,932.07 1,877,932.07

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