8-K 1 cwt04j8_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-J8) (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-J8 Alternative Loan Trust 2004-J8 ------------------------------------------------------------

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 3433,~~947~~307,~~764~~562.8394 7.000000% 1791,~~640,201~~338.8943 ~~203~~194,~~861~~294.9612 1985,~~844,063~~632.8555 0.00 0.00 1X 1816,~~016~~654,~~388~~369.6339 0.~~611804~~588961% 0.00 98,~~185~~173.4297 98,~~185~~173.4297 0.00 0.00 2A1 4744,~~813~~608,~~516~~472.8789 7.000000% 31,~~205~~832,~~043~~961.9856 ~~278~~260,~~912~~216.1809 32,~~483~~093,~~956~~177.1665 0.00 0.00 2X 3533,~~814~~455,~~911~~298.0087 0.~~618504~~610735% 0.00 1817,~~459~~026.7294 1817,~~459~~026.7294 0.00 0.00 3A1 4845,~~560~~080,~~546~~948.5470 6.500000% 32,~~479~~785,~~597~~967.8437 ~~263~~244,~~036~~188.2947 3,~~742~~030,~~634~~155.1484 0.00 0.00 3X 4543,~~066~~376,~~450~~933.8265 0.~~720855~~732615% 0.00 2726,~~071~~482.9916 2726,~~071~~482.9916 0.00 0.00 4A1 3634,~~569~~693,~~805~~174.6634 6.000000% 1,~~876~~378,~~631~~511.3289 ~~182~~173,~~849~~465.0387 21,~~059~~551,~~480~~977.3577 0.00 0.00 4X 2826,~~453~~917,~~544~~883.0680 0.~~322643~~319121% 0.00 7,~~650~~158.2738 7,~~650~~158.2738 0.00 0.00 PO-A1 1,~~396~~335,~~985~~033.8380 0.000000% 6155,~~952~~752.0373 0.00 6155,~~952~~752.0373 0.00 0.00 PO-B1 ~~319~~274,~~041~~483.2829 0.000000% 442,~~557~~217.9997 0.00 442,~~557~~217.9997 0.00 0.00 MIO 7,~~206~~194,~~710~~277.4107 1.~~136922~~137558% 0.00 6,~~827~~819.8992 6,~~827~~819.8992 0.00 0.00 Residual AR 0.00 7.000000% 0.00 0.0213 0.0213 0.00 0.00 P 100.00 0.000000% 0.00 5219,~~428~~597.3416 5219,~~428~~597.3416 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 5,~~204~~195,~~791~~811.2066 5.500000% 89,~~979~~041.5427 23,~~855~~814.2914 32,~~834~~855.8341 0.00 0.00 B1 21,~~001~~998,~~919~~465.2141 5.500000% 3,~~453~~477.8054 9,~~175~~159.4663 12,~~629~~637.2618 0.00 0.00 B2 ~~900~~899,~~838~~284.8063 6.~~636922~~637558% 1,~~554~~564.1785 4,~~982~~974.3321 6,~~536~~539.5006 0.00 0.00 B3 ~~700~~699,~~597~~388.1949 6.~~636922~~637558% 1,~~208~~217.7001 3,~~874~~868.8453 5,~~083~~085.54 0.00 0.00 B4 ~~500~~499,~~852~~988.4637 6.~~636922~~637558% ~~864~~870.0903 2,~~770~~765.1058 3,~~634~~635.1962 0.00 0.00 B5 ~~400~~399,~~309~~619.8925 6.~~636922~~637558% ~~690~~695.6338 2,~~214~~210.0241 2,~~904~~905.6579 -0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~179~~168,~~317~~992,~~069~~333.7677 - 106,~~324~~863,~~735~~616.9905 1,~~097~~004,~~155~~215.1673 117,~~421~~867,~~891~~831.1578 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 3332,~~307~~516,~~562~~224.9451 0.00 1X 16,~~654~~451,~~369~~119.3947 0.00 2A1 4442,~~608~~775,~~472~~511.8933 0.00 2X 3332,~~455~~379,~~298~~457.8783 0.00 3A1 4542,~~080~~294,~~948~~981.7033 0.00 3X 4340,~~376~~595,~~933~~952.6543 0.00 4A1 3433,~~693~~314,~~174~~662.3444 0.00 4X 26,~~917~~040,~~883~~013.8093 0.00 PO-A1 1,~~335~~279,~~033~~281.8007 0.00 PO-B1 ~~274~~272,~~483~~265.2932 0.00 MIO 7,~~194~~181,~~277~~758.0725 0.00 Residual AR 0.00 0.00 P 100.00 0.00 -------------------------------------------------------------------------------- Subordinate M 5,~~195~~186,~~811~~770.6639 0.00 B1 1,~~998~~994,~~465~~987.4187 0.00 B2 ~~899~~897,~~284~~719.6378 0.00 B3 ~~699~~698,~~388~~171.4948 0.00 B4 499,~~988~~118.3733 0.00 B5 ~~399~~398,~~619~~923.2587 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~168~~162,~~992~~128,~~333~~717.7772 - --------------------------------------------------------------------------------

Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J8 Alternative Loan Trust 2004-J8 ------------------------------------------------------------

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 3433,~~947~~307,~~764~~562.8394 7.000000% 12667FSF3 4321.~~765560~~115309 5.~~439655~~184356 ~~888~~867.~~746776~~631467 1X 1816,~~016~~654,~~388~~369.6339 0.~~611804~~588961% 12667FSG1 0.000000 0.~~454453~~404411 ~~823~~813.~~982932~~927045 2A1 4744,~~813~~608,~~516~~472.8789 7.000000% 12667FSH9 5833.~~404140~~401271 54.~~082497~~741806 ~~812~~779.~~881041~~479770 2X 3533,~~814~~455,~~911~~298.0087 0.~~618504~~610735% 12667FSJ5 0.000000 0.~~448853~~414015 ~~813~~787.~~475035~~315657 3A1 4845,~~560~~080,~~546~~948.5470 6.500000% 12667FSK2 6249.~~424389~~980578 4.~~718902~~380769 ~~808~~758.~~757444~~776867 3X 4543,~~066~~376,~~450~~933.8265 0.~~720855~~732615% 12667FSL0 0.000000 0.~~518409~~507114 ~~830~~777.~~637200~~383402 4A1 3634,~~569~~693,~~805~~174.6634 6.000000% 12667FSM8 4433.~~972952~~035657 4.~~381926~~157062 ~~831~~798.~~412345~~376688 4X 2826,~~453~~917,~~544~~883.0680 0.~~322643~~319121% 12667FSN6 0.000000 0.~~232483~~217535 ~~818~~791.~~002670~~325242 PO-A1 1,~~396~~335,~~985~~033.8380 0.000000% 12667FSP1 4137.~~744789~~567548 0.000000 ~~899~~862.~~578278~~010730 PO-B1 ~~319~~274,~~041~~483.2829 0.000000% 12667FTT2 ~~137~~6.~~456402~~842189 0.000000 ~~846~~839.~~750202~~908013 MIO 7,~~206~~194,~~710~~277.4107 1.~~136922~~137558% 12667FTR6 0.000000 0.~~941518~~940420 ~~992~~990.~~040412~~314155 Residual AR 0.00 7.000000% 12667FSQ9 0.000000 01.~~180517~~253376 0.000000 P 100.00 0.000000% 12667FTS4 0.000000 ~~524~~195,~~283~~971.~~400000~~600000 1,000.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 5,~~204~~195,~~791~~811.2066 5.500000% 12667FSR7 1.~~714471~~726257 4.~~554710~~546852 ~~992~~990.~~040412~~314155 B1 21,~~001~~998,~~919~~465.2141 5.500000% 12667FSS5 1.~~714471~~726257 4.~~554710~~546852 ~~992~~990.~~040412~~314155 B2 ~~900~~899,~~838~~284.8063 6.~~636922~~637558% 12667FST3 1.~~714471~~726257 5.~~496228~~487272 ~~992~~990.~~040412~~314155 B3 ~~700~~699,~~597~~388.1949 6.~~636922~~637558% 12667FTH8 1.~~714471~~726257 5.~~496228~~487272 ~~992~~990.~~040412~~314155 B4 ~~500~~499,~~852~~988.4637 6.~~636922~~637558% 12667FTJ4 1.~~714471~~726257 5.~~496228~~487272 ~~992~~990.~~040412~~314155 B5 ~~400~~399,~~309~~619.8925 6.~~636922~~637558% 12667FTK1 1.~~714471~~726257 5.~~496228~~487272 ~~992~~990.~~040412~~314155 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~179~~168,~~317~~992,~~069~~333.7677 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J8 Alternative Loan Trust 2004-J8 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 35,248,398.17 46,079,759.45 45,269,462.30 Loan count 324 274 107 Avg loan rate 7.372818% 7.638647% 7.405357% Prepay amount 790,567.77 1,837,669.64 2,736,912.17 Total ----- Prin balance 35,530,997.80 162,128,617.72 Loan count 90 795 Avg loan rate 6.469665% 7.26 Prepay amount 1,202,810.10 6,567,959.68 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 7,305.99 9,738.20 9,226.11 Sub servicer fees 25.23 1,151.29 157.63 Trustee fees 270.48 359.60 360.44 Agg advances N/A N/A N/A Adv this period 10,921.29 22,970.99 3,716.22 Total ----- Master serv fees 6,147.82 32,418.12 Sub servicer fees 0.00 1,334.14 Trustee fees 276.92 1,267.44 Agg advances N/A N/A Adv this period 0.00 37,608.50 -------------------------------------------------------------------------------- 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 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 806,000.00 1,166,443.94 1,175,253.29 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 880,335.83 4,028,033.06 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.273907% 100.000000% 159,299,775.96 ----------------------------------------------------------------------------- Junior 5.726093% 0.000000% 9,675,691.72 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 24 3,311,448.31 60 to 89 days 7 1,018,202.61 90 or more 3 531,152.63 Foreclosure 2 225,006.31 Totals: 36 5,085,809.86 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 7,867,831.78 7,867,831.78 Principal remittance amount 6,863,616.05 6,863,616.05 Interest remittance amount 1,004,215.73 1,004,215.73

Filing Compare · Alternative Loan Trust 2004-J8