8-K 1 cwt04j3_8k0412.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): December 25, 2004 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2004-J3) (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) 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. []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)) Section 8 - Other Events Item 8.01 Other Events Section 9 - Financial Statements and Exhibits Item 9.01 Financial Statements and Exhibits 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: December 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 December 25, 2004 Payment Date: 12/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J3 Alternative Loan Trust 2004-J3 ------------------------------------------------------------

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 33,~~555~~266,~~274~~617.9164 5.500000% ~~288~~674,~~657~~151.2732 ~~153~~152,~~795~~472.0100 ~~442~~826,~~452~~623.2831 0.00 0.00 1X 32,~~551~~265,~~466~~567.6498 0.~~218997~~219207% 0.00 5,~~940~~894.5504 5,~~940~~894.5504 0.00 0.00 2A1 29,~~609~~151,~~141~~687.1060 6.000000% ~~457~~770,~~453~~503.5023 ~~148~~145,~~045~~758.7144 ~~605~~916,~~499~~261.2166 0.00 0.00 2X 15,~~467~~026,~~585~~972.3253 0.~~192721~~191749% 0.00 2,~~484~~401.1018 2,~~484~~401.1018 0.00 0.00 3A1 2120,~~128~~241,~~696~~644.1552 6.250000% ~~887~~1,~~051~~906,117.6350 ~~110~~105,~~045~~425.2923 ~~997~~2,~~096~~011,542.9273 0.00 0.00 3X 1918,~~166~~282,~~932~~440.8631 0.~~362045~~354157% 0.00 5,~~782~~395.7571 5,~~782~~395.7571 0.00 0.00 4A1 2019,~~063~~976,~~474~~993.6402 4.750000% 8691,~~481~~194.6344 79,~~417~~075.9260 ~~165~~170,~~899~~270.5504 0.00 0.00 4X 12,~~054~~004,~~803~~881.4937 0.~~289754~~289748% 0.00 2,~~910~~898.7765 2,~~910~~898.7765 0.00 0.00 5A1 16,~~665~~582,~~327~~173.0689 5.250000% 83242,~~153~~081.1725 72,~~910~~547.8101 ~~156~~314,~~063~~628.9826 0.00 0.00 5X 13,~~664~~588,~~248~~497.2266 0.~~420518~~420711% 0.00 4,~~788~~764.3903 4,~~788~~764.3903 0.00 0.00 PO ~~292~~291,~~755~~936.0883 0.000000% ~~818~~2,346.2466 0.00 ~~818~~2,346.2466 0.00 0.00 Residual AR 0.00 5.500000% 0.00 0.0002 0.0002 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 3,~~203~~198,~~660~~503.8689 5.~~648826~~649337% 5,~~156~~139.9726 15,~~080~~057.7785 20,~~237~~197.7411 0.00 0.00 B1 1,~~455~~453,~~580~~237.6458 5.~~648826~~649337% 2,~~343~~335.0602 6,~~851~~841.9452 9,~~195~~176.0054 0.00 0.00 B2 ~~800~~799,~~421~~132.1368 5.~~648826~~649337% 1,~~288~~284.4502 3,~~767~~762.8714 5,~~056~~046.3116 0.00 0.00 B3 ~~800~~799,~~421~~132.1368 5.~~648826~~649337% 1,~~288~~284.4502 3,~~767~~762.8714 5,~~056~~046.3116 0.00 0.00 B4 ~~583~~582,~~022~~084.8030 5.~~648826~~649337% ~~938~~935.5028 2,~~744~~740.5033 3,~~682~~675.9960 0.00 0.00 B5 ~~436~~435,~~701~~998.4144 5.~~648826~~649337% ~~702~~700.9655 2,~~055~~052.7158 2,~~758~~753.6713 -0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~128~~126,~~594~~779,~~476~~143.9007 - 13,~~815~~698,~~333~~072.8354 ~~620~~610,~~389~~848.9549 24,~~435~~308,~~723~~921.7803 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 3332,~~266~~592,~~617~~466.6433 0.00 1X 3231,~~265~~592,~~567~~269.9878 0.00 2A1 2928,~~151~~381,~~687~~184.6037 0.00 2X 1514,~~026~~869,~~972~~470.5320 0.00 3A1 2018,~~241~~335,~~644~~527.5202 0.00 3X 1816,~~282~~684,~~440~~258.3122 0.00 4A1 19,~~976~~885,~~993~~798.0257 0.00 4X 1211,~~004~~952,~~881~~201.3788 0.00 5A1 16,~~582~~340,~~173~~092.8963 0.00 5X 13,~~588~~355,~~497~~875.6691 0.00 PO ~~291~~289,~~936~~590.8318 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 3,~~198~~193,~~503~~364.8963 0.00 B1 1,~~453~~450,~~237~~902.5856 0.00 B2 ~~799~~797,~~132~~848.6866 0.00 B3 ~~799~~797,~~132~~848.6866 0.00 B4 ~~582~~581,~~084~~149.3002 0.00 B5 435,~~998~~297.4489 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~126~~123,~~779~~081,~~143~~070.0753 - --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J3 Alternative Loan Trust 2004-J3 ------------------------------------------------------------

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 33,~~555~~266,~~274~~617.9164 5.500000% 12667FGT6 818.~~081337~~873745 4.~~305692~~268652 ~~931~~912.~~342357~~468611 1X 32,~~551~~265,~~466~~567.6498 0.~~218997~~219207% 12667FGU3 0.000000 0.~~172384~~171034 ~~936~~916.~~288061~~750172 2A1 29,~~609~~151,~~141~~687.1060 6.000000% 12667FGV1 1221.~~918036~~758252 4.~~180665~~116075 ~~823~~801.~~214944~~456692 2X 15,~~467~~026,~~585~~972.3253 0.~~192721~~191749% 12667FGW9 0.000000 0.~~127697~~123434 ~~772~~764.~~473101~~376572 3A1 2120,~~128~~241,~~696~~644.1552 6.250000% 12667FGX7 2962.~~188931~~721866 3.~~621102~~469076 ~~666~~603.~~062669~~340804 3X 1918,~~166~~282,~~932~~440.8631 0.~~362045~~354157% 12667FGY5 0.000000 0.~~207365~~193486 ~~655~~598.~~594185~~284610 4A1 2019,~~063~~976,~~474~~993.6402 4.750000% 12667FGZ2 4.~~163976~~390892 3.~~823868~~807386 ~~961~~957.~~865907~~475014 4X 12,~~054~~004,~~803~~881.4937 0.~~289754~~289748% 12667FHA6 0.000000 0.~~234118~~233143 ~~965~~961.~~571923~~334827 5A1 16,~~665~~582,~~327~~173.0689 5.250000% 12667FHB4 414.~~811548~~007711 4.~~218887~~197837 ~~959~~945.~~505491~~497780 5X 13,~~664~~588,~~248~~497.2266 0.~~420518~~420711% 12667FHC2 0.000000 0.~~336200~~334489 ~~954~~937.~~067868~~735162 PO ~~292~~291,~~755~~936.0883 0.000000% 12667FHD0 27.~~582878~~407471 0.000000 ~~921~~914.~~530196~~122725 Residual AR 0.00 5.500000% 12667FHE8 0.000000 0.~~045243~~239722 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 3,~~203~~198,~~660~~503.8689 5.~~648826~~649337% 12667FHF5 1.~~590675~~585212 4.~~651687~~644619 ~~986~~984.~~583556~~998344 B1 1,~~455~~453,~~580~~237.6458 5.~~648826~~649337% 12667FHG3 1.~~590675~~585212 4.~~651687~~644619 ~~986~~984.~~583556~~998344 B2 ~~800~~799,~~421~~132.1368 5.~~648826~~649337% 12667FHH1 1.~~590675~~585212 4.~~651687~~644619 ~~986~~984.~~583556~~998344 B3 ~~800~~799,~~421~~132.1368 5.~~648826~~649337% 12667FGQ2 1.~~590675~~585212 4.~~651687~~644619 ~~986~~984.~~583556~~998344 B4 ~~583~~582,~~022~~084.8030 5.~~648826~~649337% 12667FGR0 1.~~590675~~585212 4.~~651687~~644619 ~~986~~984.~~583556~~998344 B5 ~~436~~435,~~701~~998.4144 5.~~648826~~649337% 12667FGS8 1.~~590675~~585212 4.~~651687~~644619 ~~986~~984.~~583556~~998344 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~128~~126,~~594~~779,~~476~~143.9007 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J3 Alternative Loan Trust 2004-J3 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 34,462,790.25 30,294,545.96 19,953,256.60 Loan count 203 208 129 Avg loan rate 5.959547% 6.339973% 6.793553% Prepay amount 639,162.67 742,349.50 1,890,467.62 Total ----- Prin balance 21,069,999.81 17,300,477.91 123,081,070.53 Loan count 56 97 693 Avg loan rate 5.146530% 5.826698% 6.04 Prepay amount 7,653.62 202,846.13 3,482,479.54 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 5,805.55 3,857.26 2,277.20 Sub servicer fees 0.00 0.00 0.00 Trustee fees 263.54 233.01 163.96 Agg advances N/A N/A N/A Adv this period 0.00 0.00 8,516.63 Total ----- Master serv fees 4,409.62 2,983.93 19,333.56 Sub servicer fees 0.00 170.36 170.36 Trustee fees 158.75 131.59 950.84 Agg advances N/A N/A N/A Adv this period 0.00 1,266.41 9,783.04 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 100,000.00 100,000.00 100,000.00 Fraud 2,945,117.00 2,945,117.00 2,945,117.00 Special Hazard 2,500,405.40 0.00 0.00 Total ----- Bankruptcy 100,000.00 100,000.00 500,000.00 Fraud 2,945,117.00 2,945,117.00 14,725,585.00 Special Hazard 0.00 0.00 2,500,405.40 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.275809% 100.000000% 119,511,053.50 ----------------------------------------------------------------------------- Junior 5.724191% 0.000000% 7,256,411.43 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 6 748,752.10 60 to 89 days 0 0.00 90 or more 2 709,318.25 Foreclosure 0 0.00 Totals: 8 1,458,070.35 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 0.00 Current Total Outstanding Number of Loans: 0 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 4,308,921.03 4,308,921.03 Principal remittance amount 3,698,072.54 3,698,072.54 Interest remittance amount 610,848.49 610,848.49

Filing Compare · CWALT 2004-J3