8-K 1 cwt05j1_8k0503.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): March 25, 2005 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2005-J1) (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: March 25, 2005 CWT By: /s/ Maria Tokarz ------------------------------ Name: Maria Tokarz Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated March 25, 2005 Payment Date: 03/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J1 Alternative Loan Trust 2005-J1 ------------------------------------------------------------

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 7573,~~000~~056,~~000~~342.0053 23.~~930000~~050000% 1,~~943~~564,~~657~~807.4732 ~~183~~185,~~125~~684.0087 21,~~126~~750,~~782~~492.4719 0.00 0.00 1A2 ~~100~~98,~~849~~235,~~000~~454.0050 23.~~930000~~050000% 2,~~613~~104,~~545~~123.5038 ~~246~~249,~~239~~681.6478 2,~~859~~353,~~785~~805.1416 0.00 0.00 1A3 4039,~~341~~295,~~000~~545.0052 2.~~850000~~970000% 1841,~~045,454~~678.4856 9597,~~809~~256.8748 1938,~~141,264~~935.3604 0.00 0.00 1A4 ~~216~~210,~~190~~587,~~000~~342.0054 2.~~570000~~450000% 0.00 ~~463~~429,~~006~~949.9216 ~~463~~429,~~006~~949.9216 0.00 0.00 1A5 3,~~662~~567,~~000~~097.0068 3.~~130000~~250000% 9476,~~902~~404.3233 9,~~551~~660.7289 ~~104~~86,~~454~~065.0322 0.00 0.00 1A6 3,~~662~~567,~~000~~097.0068 2.~~370000~~250000% 0.00 76,~~232~~688.4531 76,~~232~~688.4531 0.00 0.00 1A7 10,602,000.00 5.500000% 0.00 48,592.50 48,592.50 0.00 0.00 1A8 26,686,000.00 5.500000% 0.00 122,310.83 122,310.83 0.00 0.00 2A1 7673,~~616~~778,~~000~~483.0028 5.500000% 21,~~837~~742,~~516~~368.7200 ~~351~~338,~~156~~151.6738 32,~~188~~080,~~673~~519.3938 0.00 0.00 3A1 ~~257~~240,~~750~~743,~~000~~466.0062 6.500000% 1712,~~006~~445,~~533~~761.3832 1,~~396~~304,~~145~~027.8311 1813,~~402~~749,~~679~~788.2143 0.00 0.00 4A1 4340,~~246~~674,~~000~~769.0023 6.000000% 21,~~571~~486,~~230~~948.7707 ~~216~~203,~~230~~373.0085 21,~~787~~690,~~460~~321.7791 0.00 0.00 5A1 ~~111~~107,~~000~~342,~~000~~888.0059 23.~~930000~~050000% 31,~~657~~168,~~111~~804.4180 ~~271~~272,~~025~~829.0084 31,~~928~~441,~~136~~634.4164 0.00 0.00 5A2 ~~111~~107,~~000~~342,~~000~~888.0059 2.~~570000~~450000% 0.00 ~~237~~219,~~725~~158.0040 ~~237~~219,~~725~~158.0040 0.00 0.00 5A3 3,891,000.00 5.500000% 0.00 17,833.75 17,833.75 0.00 0.00 5A4 13,315,000.00 5.500000% 0.00 61,027.08 61,027.08 0.00 0.00 6A1 36,~~166~~029,~~000~~476.0044 5.000000% ~~136~~144,~~523~~874.5643 150,~~691~~122.6782 ~~287~~294,~~215~~997.2325 0.00 0.00 7A1 3635,~~128~~983,~~000~~745.0077 5.500000% ~~144~~250,~~254~~174.2374 ~~165~~164,~~586~~925.6750 ~~309~~415,~~840~~100.8924 0.00 0.00 XA 0.00 0.000000% 0.00 ~~146~~141,~~504~~579.3396 ~~146~~141,~~504~~579.3396 0.00 0.00 XB 6159,~~804~~021,~~281~~046.0012 0.~~285515~~281367% 0.00 1413,~~705~~838.0382 1413,~~705~~838.0382 0.00 0.00 XC ~~196~~182,~~914~~915,~~848~~282.0099 0.~~411025~~405903% 0.00 6761,~~447~~871.4257 6761,~~447~~871.4257 0.00 0.00 XD 3936,~~023~~474,~~147~~702.0094 0.~~406289~~418193% 0.00 1312,~~212~~711.22 1312,~~212~~711.22 0.00 0.00 XE 37,~~478~~337,~~450~~205.0017 0.~~264244~~264250% 0.00 8,~~252~~221.8795 8,~~252~~221.8795 0.00 0.00 XF 20,~~384~~303,~~028~~264.0070 0.116000% 0.00 1,~~970~~962.4665 1,~~970~~962.4665 0.00 0.00 POA ~~663~~662,~~597~~606.9331 0.000000% ~~991~~522.6265 0.00 ~~991~~522.6265 0.00 0.00 POB ~~261~~257,~~609~~549.6730 0.000000% 41,~~060~~069.3793 0.00 41,~~060~~069.3793 0.00 0.00 POC 1,~~626~~542,~~788~~403.5616 0.000000% 8454,~~385~~744.4071 0.00 8454,~~385~~744.4071 0.00 0.00 POD ~~169~~168,~~969~~950.7027 0.000000% 1,~~019~~066.4393 0.00 1,~~019~~066.4393 0.00 0.00 Residual AR ~~100~~0.00 5.500000% ~~100~~0.00 0.6813 ~~100~~0.6813 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 15,~~632~~530,~~500~~408.0042 5.~~813801~~813022% ~~102~~21,~~091~~498.5838 75,~~736~~232.8717 ~~177~~96,~~828~~730.4555 0.00 0.00 B1 6,~~079~~039,~~000~~299.0072 5.~~813801~~813022% 398,~~700~~360.2806 29,~~451~~255.7548 6937,~~152~~615.0355 0.00 0.00 B2 2,~~606~~588,~~000~~980.0093 5.~~813801~~813022% 173,~~019~~583.0787 12,~~625~~541.6450 2916,~~644~~125.7137 0.00 0.00 B3 2,~~606~~588,~~000~~980.0093 5.~~813801~~813022% 173,~~019~~583.0787 12,~~625~~541.6450 2916,~~644~~125.7137 0.00 0.00 B4 2,~~171~~156,~~000~~821.0079 5.~~813801~~813022% 142,~~178~~985.2164 10,~~518~~448.1304 2413,~~696~~433.3468 0.00 0.00 B5 1,~~302~~294,~~777~~269.7365 5.~~813801~~813022% 81,~~508~~791.0863 6,~~311~~269.7468 148,~~819~~061.8331 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~868~~836,~~371~~031,~~343~~540.5964 - 3221,~~339~~925,~~802~~152.9562 4,~~442~~267,~~653~~749.3822 3626,~~782~~192,~~456~~901.3384 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 7371,~~056~~491,~~342~~535.5320 0.00 1A2 9896,~~235~~131,~~454~~331.5012 0.00 1A3 3938,~~295~~453,~~545~~866.5296 0.00 1A4 ~~210~~206,~~587~~076,~~342~~733.5427 0.00 1A5 3,~~567~~490,~~097~~693.6836 0.00 1A6 3,~~567~~490,~~097~~693.6836 0.00 1A7 10,602,000.00 0.00 1A8 26,686,000.00 0.00 2A1 7372,~~778~~036,~~483~~115.28 0.00 3A1 ~~240~~228,~~743~~297,~~466~~705.6231 0.00 4A1 4039,~~674~~187,~~769~~821.2317 0.00 5A1 ~~107~~106,~~342~~174,~~888~~083.5979 0.00 5A2 ~~107~~106,~~342~~174,~~888~~083.5979 0.00 5A3 3,891,000.00 0.00 5A4 13,315,000.00 0.00 6A1 3635,~~029~~884,~~476~~602.4400 0.00 7A1 35,~~983~~733,~~745~~571.7703 0.00 XA 0.00 0.00 XB 5957,~~021~~577,~~046~~309.1213 0.00 XC ~~182~~172,~~915~~814,~~282~~883.9952 0.00 XD 3635,~~474~~013,~~702~~004.9477 0.00 XE 37,~~337~~187,~~205~~484.1744 0.00 XF 20,~~303~~110,~~264~~920.7051 0.00 POA 662,~~606~~083.3166 0.00 POB ~~257~~256,~~549~~479.3037 0.00 POC 1,~~542~~487,~~403~~658.1645 0.00 POD ~~168~~167,~~950~~883.2734 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 15,~~530~~508,~~408~~910.4204 0.00 B1 6,~~039~~030,~~299~~939.7265 0.00 B2 2,~~588~~585,~~980~~397.9306 0.00 B3 2,~~588~~585,~~980~~397.9306 0.00 B4 2,~~156~~153,~~821~~836.7916 0.00 B5 1,~~294~~292,~~269~~478.6502 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~836~~814,~~031~~106,~~540~~388.6402 - --------------------------------------------------------------------------------

Payment Date: 03/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J1 Alternative Loan Trust 2005-J1 ------------------------------------------------------------

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 7573,~~000~~056,~~000~~342.0053 23.~~930000~~050000% 12667FS97 2520.~~915433~~864098 2.~~441667~~475798 ~~974~~953.~~084567~~220469 1A2 ~~100~~98,~~849~~235,~~000~~454.0050 23.~~930000~~050000% 12667FT21 2520.~~915433~~864098 2.~~441667~~475798 ~~974~~953.~~084567~~220469 1A3 4039,~~341~~295,~~000~~545.0052 2.~~850000~~970000% 12667FT39 2520.~~915433~~864098 2.~~375000~~410859 ~~974~~953.~~084567~~220469 1A4 ~~216~~210,~~190~~587,~~000~~342.0054 2.~~570000~~450000% 12667FT47 0.000000 21.~~141667~~988756 ~~974~~953.~~084567~~220469 1A5 3,~~662~~567,~~000~~097.0068 3.~~130000~~250000% 12667FT54 2520.~~915433~~864098 2.~~608333~~638146 ~~974~~953.~~084567~~220469 1A6 3,~~662~~567,~~000~~097.0068 2.~~370000~~250000% 12667FT62 0.000000 1.~~975000~~826409 ~~974~~953.~~084567~~220469 1A7 10,602,000.00 5.500000% 12667F3T0 0.000000 4.583333 1,000.000000 1A8 26,686,000.00 5.500000% 12667F3U7 0.000000 4.583333 1,000.000000 2A1 7673,~~616~~778,~~000~~483.0028 5.500000% 12667FT88 3722.~~035563~~741568 4.~~583333~~413587 ~~962~~940.~~964437~~222868 3A1 ~~257~~240,~~750~~743,~~000~~466.0062 6.500000% 12667FU29 6548.~~980731~~286174 5.~~416667~~059271 ~~934~~885.~~019269~~733095 4A1 4340,~~246~~674,~~000~~769.0023 6.000000% 12667FU45 5934.~~455921~~383482 54.~~000000~~702720 ~~940~~906.~~544079~~160597 5A1 ~~111~~107,~~000~~342,~~000~~888.0059 23.~~930000~~050000% 12667FU60 3210.~~946950~~529773 2.~~441667~~457927 ~~967~~956.~~053050~~523277 5A2 ~~111~~107,~~000~~342,~~000~~888.0059 2.~~570000~~450000% 12667F3V5 0.000000 21.~~141667~~974400 ~~967~~956.~~053050~~523277 5A3 3,891,000.00 5.500000% 12667F3W3 0.000000 4.583333 1,000.000000 5A4 13,315,000.00 5.500000% 12667F3X1 0.000000 4.583333 1,000.000000 6A1 36,~~166~~029,~~000~~476.0044 5.000000% 12667FU86 34.~~774915~~005819 4.~~166667~~150938 ~~996~~992.~~225085~~219267 7A1 3635,~~128~~983,~~000~~745.0077 5.500000% 12667F3Y9 36.~~992865~~924677 4.~~583333~~565033 ~~996~~989.~~007135~~082458 XA 0.00 0.000000% 12667FT70 0.000000 0.000000 0.000000 XB 6159,~~804~~021,~~281~~046.0012 0.~~285515~~281367% 12667FT96 0.000000 0.~~237929~~223914 ~~954~~931.~~966956~~607135 XC ~~196~~182,~~914~~915,~~848~~282.0099 0.~~411025~~405903% 12667FU37 0.000000 0.~~342521~~314205 ~~928~~877.~~905488~~612254 XD 3936,~~023~~474,~~147~~702.0094 0.~~406289~~418193% 12667FU52 0.000000 0.~~338574~~325735 ~~934~~897.~~694040~~236832 XE 37,~~478~~337,~~450~~205.0017 0.~~264244~~264250% 12667FU78 0.000000 0.~~220203~~219378 ~~996~~992.~~231305~~236457 XF 20,~~384~~303,~~028~~264.0070 0.116000% 12667FU94 0.000000 0.~~096667~~096284 ~~996~~986.~~037913~~601888 POA ~~663~~662,~~597~~606.9331 0.000000% 12667FV28 10.~~494303~~787607 0.000000 ~~998~~997.~~505697~~718090 POB ~~261~~257,~~609~~549.6730 0.000000% 12667F3Z6 154.~~520712~~089798 0.000000 ~~984~~980.~~479288~~389490 POC 1,~~626~~542,~~788~~403.5616 0.000000% 12667F4A0 5133.~~872385~~652014 0.000000 ~~948~~914.~~127615~~475601 POD ~~169~~168,~~969~~950.7027 0.000000% 12667F4B8 56.~~997690~~277206 0.000000 ~~994~~987.~~002310~~725104 Residual AR ~~100~~0.00 5.500000% 12667FV36 ~~1,000~~0.000000 61.~~795469~~254501 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 15,~~632~~530,~~500~~408.0042 5.~~813801~~813022% 12667FV44 61.~~530726~~375236 4.~~844834~~812549 ~~993~~992.~~469274~~094038 B1 6,~~079~~039,~~000~~299.0072 5.~~813801~~813022% 12667FV51 61.~~530726~~375236 4.~~844834~~812549 ~~993~~992.~~469274~~094038 B2 2,~~606~~588,~~000~~980.0093 5.~~813801~~813022% 12667FV69 61.~~530726~~375236 4.~~844834~~812549 ~~993~~992.~~469274~~094038 B3 2,~~606~~588,~~000~~980.0093 5.~~813801~~813022% 12667FV77 61.~~530726~~375236 4.~~844834~~812549 ~~993~~992.~~469274~~094038 B4 2,~~171~~156,~~000~~821.0079 5.~~813801~~813022% 12667FV85 61.~~530726~~375236 4.~~844834~~812549 ~~993~~992.~~469274~~094038 B5 1,~~302~~294,~~777~~269.7365 5.~~813801~~813022% 12667FV93 61.~~530726~~375236 4.~~844834~~812549 ~~993~~992.~~469274~~094038 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~868~~836,~~371~~031,~~343~~540.5964 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J1 Alternative Loan Trust 2005-J1 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 256,539,205.78 75,044,373.98 239,098,619.51 Loan count 863 280 546 Avg loan rate 6.208554% 5.963593% 7.016621% Prepay amount 4,436,512.36 1,580,242.99 12,231,320.38 Prin balance 40,886,474.12 128,286,161.92 37,187,484.44 Loan count 92 428 116 Avg loan rate 6.598927% 6.141138% 5.523250% Prepay amount 1,285,553.67 1,101,862.39 11,353.19 Total ----- Prin balance 37,064,068.27 814,106,388.02 Loan count 101 2426 Avg loan rate 5.818006% 6.39 Prepay amount 120,559.64 20,767,404.62 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 52,103.76 14,210.51 41,442.07 Sub servicer fees 0.00 0.00 0.00 Trustee fees 1,958.49 575.95 1,887.07 Agg advances N/A N/A N/A Adv this period 45,737.88 10,697.81 7,390.29 Master serv fees 6,950.16 26,663.88 7,778.58 Sub servicer fees 0.00 0.00 0.00 Trustee fees 317.87 970.93 280.03 Agg advances N/A N/A N/A Adv this period 0.00 17,384.47 8,373.44 Total ----- Master serv fees 7,590.16 156,739.13 Sub servicer fees 0.00 0.00 Trustee fees 279.89 6,270.24 Agg advances N/A N/A Adv this period 24,989.79 114,573.68 -------------------------------------------------------------------------------- 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 0.00 0.00 0.00 Fraud 5,337,168.20 1,593,328.58 5,375,697.46 Special Hazard 0.00 0.00 0.00 Bankruptcy 0.00 0.00 0.00 Fraud 899,233.74 2,663,068.70 749,569.02 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 749,361.17 17,367,426.87 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 96.392664% 100.000000% 805,832,779.21 ----------------------------------------------------------------------------- Junior 3.607336% 0.000000% 30,156,958.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 51 15,475,721.39 60 to 89 days 7 2,026,061.71 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 58 17,501,783.10 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 26,192,901.84 26,192,901.84 Principal remittance amount 21,925,152.62 21,925,152.62 Interest remittance amount 4,267,749.22 4,267,749.22

Filing Compare · CWALT, Inc. Alternative Loan Trust 2005-J1