8-K 1 cwt04j7_8k0501.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): January 25, 2005 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2004-J7) (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: January 25, 2005 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 January 25, 2005 Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J7 Alternative Loan Trust 2004-J7 ------------------------------------------------------------

Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J7 Alternative Loan Trust 2004-J7 ------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J7 Alternative Loan Trust 2004-J7 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 272,777,670.87 222,675,717.99 127,557,397.50 Loan count 1243 1093 661 Avg loan rate 6.935954% 5.515247% 5.699220% Prepay amount 7,744,861.51 4,651,720.39 1,634,730.21 Total ----- Prin balance 623,010,786.36 Loan count 2997 Avg loan rate 6.18 Prepay amount 14,031,312.11 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 51,404.47 68,832.40 39,039.66 Sub servicer fees 12,043.67 3,102.73 0.00 Trustee fees 2,105.38 1,704.96 969.43 Agg advances N/A N/A N/A Adv this period 116,212.98 23,935.49 39,126.26 Total ----- Master serv fees 159,276.53 Sub servicer fees 15,146.40 Trustee fees 4,779.76 Agg advances N/A Adv this period 179,274.73 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 Cumulative losses 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 6,402,894.05 4,969,583.95 2,628,747.84 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 14,001,225.83 Special Hazard 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 97.251817% 100.000000% 1,300,610,053.55 ----------------------------------------------------------------------------- Junior 2.748183% 0.000000% 36,753,191.59 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 98 18,452,481.29 60 to 89 days 28 6,060,719.12 90 or more 7 935,675.34 Foreclosure 13 3,213,186.63 Totals: 146 28,662,062.38 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 17,477,722.65 17,477,722.65 Principal remittance amount 14,291,067.19 14,291,067.19 Interest remittance amount 3,186,655.46 3,186,655.46

Alternative Loan Trust 2004-J7 8-K