8-K 1 fh05fa2_8k0505.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): May 25, 2005 FH (Depositor) (Issuer in respect of First Horizon Mortgage Pass-Through Trust, Mortgage (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) 4000 Horizon Way, Irving, TX 75063 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (214) 441-4000 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: May 25, 2005 FH By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated May 25, 2005 Payment Date: 05/25/05 ------------------------------------------------------------ First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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 ~~203~~201,~~034~~836,~~332~~166.0736 3.~~350000~~520000% 13,~~198~~380,~~165~~642.7133 ~~566~~592,~~804~~052.1875 13,~~764~~972,~~969~~695.8808 0.00 0.00 1A2 ~~203~~201,~~034~~836,~~332~~166.0736 21.~~150000~~980000% 0.00 ~~363~~333,~~769~~029.8467 ~~363~~333,~~769~~029.8467 0.00 0.00 1A3 8,~~680~~628,~~063~~839.0846 3.~~450000~~620000% 51144,~~223~~528.6221 2426,~~955~~030.1833 76170,~~178~~558.8054 0.00 0.00 1A4 8,~~680~~628,~~063~~839.0846 21.~~050000~~880000% 0.00 1413,~~828~~518.4452 1413,~~828~~518.4452 0.00 0.00 1A5 5,541,000.00 5.500000% 0.00 25,396.25 25,396.25 0.00 0.00 1PO 1,~~558~~555,~~543~~799.3806 0.000000% 21,~~744~~375.3253 0.00 21,~~744~~375.3253 0.00 0.00 Residual 1AR 0.00 5.500000% 0.00 0.0603 0.0603 0.00 0.00 2A1 25,~~218~~032,~~390~~923.6865 5.000000% ~~185~~287,~~467~~054.0361 ~~105~~104,~~076~~303.6385 ~~290~~391,~~543~~358.6646 0.00 0.00 2PO ~~572~~570,~~558~~332.5819 0.000000% 2,~~226~~261.3923 0.00 2,~~226~~261.3923 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 4,~~878~~873,~~210~~135.8064 5.~~447558~~447696% 5,~~075~~098.1683 22,~~145~~122.2880 27,~~220~~221.4463 0.00 0.00 B2 2,~~053~~051,~~983~~846.5059 5.~~447558~~447696% 2,~~136~~146.9188 9,~~324~~314.3386 11,461.2474 0.00 0.00 B3 1,~~026~~025,~~991~~923.7530 5.~~447558~~447696% 1,~~068~~073.4544 4,~~662~~657.1643 5,730.6287 0.00 0.00 B4 1,~~154~~153,~~866~~664.2172 5.~~447558~~447696% 1,~~201~~207.4910 5,~~242~~237.6735 6,444.1644 0.00 0.00 B5 ~~899~~898,~~117~~181.2987 5.~~447558~~447696% ~~935~~939.4278 4,~~081~~077.6652 5,017.0830 0.00 0.00 B6 513,~~650~~115.0566 5.~~447558~~447696% ~~534~~536.3988 2,~~331~~329.7841 2,866.1730 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~255~~253,~~131~~680,~~707~~928.3949 - 13,~~450~~826,~~778~~864.9082 1,~~148~~142,~~618~~070.4778 24,~~599~~968,~~397~~935.3760 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~201~~198,~~836~~455,~~166~~524.3604 0.00 1A2 ~~201~~198,~~836~~455,~~166~~524.3604 0.00 1A3 8,~~628~~484,~~839~~311.4625 0.00 1A4 8,~~628~~484,~~839~~311.4625 0.00 1A5 5,541,000.00 0.00 1PO 1,~~555~~554,~~799~~423.0652 0.00 Residual 1AR 0.00 0.00 2A1 2524,~~032~~745,~~923~~869.6504 0.00 2PO ~~570~~568,~~332~~070.1995 0.00 -------------------------------------------------------------------------------- Subordinate B1 4,~~873~~868,~~135~~036.6481 0.00 B2 2,~~051~~049,~~846~~699.5971 0.00 B3 1,~~025~~024,~~923~~849.3086 0.00 B4 1,~~153~~152,~~664~~457.7262 0.00 B5 ~~898~~897,~~181~~242.8709 0.00 B6 ~~513~~512,~~115~~578.6678 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~253~~249,~~680~~854,~~928~~063.4967 - --------------------------------------------------------------------------------

Payment Date: 05/25/05 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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 ~~203~~201,~~034~~836,~~332~~166.0736 3.~~350000~~520000% 32051GJL0 516.~~852790~~513735 2.~~768721~~892055 ~~985~~969.~~927726~~413991 1A2 ~~203~~201,~~034~~836,~~332~~166.0736 21.~~150000~~980000% 32051GJM8 0.000000 1.~~776940~~626781 ~~985~~969.~~927726~~413991 1A3 8,~~680~~628,~~063~~839.0846 3.~~450000~~620000% 32051GJN6 516.~~852790~~513735 2.~~851369~~974215 ~~985~~969.~~927726~~413991 1A4 8,~~680~~628,~~063~~839.0846 21.~~050000~~880000% 32051GJP1 0.000000 1.~~694292~~544620 ~~985~~969.~~927726~~413991 1A5 5,541,000.00 5.500000% 32051GJQ9 0.000000 4.583333 1,000.000000 1PO 1,~~558~~555,~~543~~799.3806 0.000000% 32051GJR7 10.~~759333~~881828 0.000000 ~~997~~996.~~392870~~511041 Residual 1AR 0.00 5.500000% 32051GJS5 0.000000 0.~~560177~~307604 0.000000 2A1 25,~~218~~032,~~390~~923.6865 5.000000% 32051GJT3 711.~~324633~~336622 4.~~149782~~119263 ~~988~~977.~~623026~~286404 2PO ~~572~~570,~~558~~332.5819 0.000000% 32051GJU0 3.~~873037~~933649 0.000000 ~~992~~988.~~151154~~217504 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 4,~~878~~873,~~210~~135.8064 5.~~447558~~447696% 32051GJV8 1.~~039353~~044201 4.~~535180~~530575 ~~997~~996.~~979857~~935656 B2 2,~~053~~051,~~983~~846.5059 5.~~447558~~447696% 32051GJW6 1.~~039353~~044201 4.~~535180~~530575 ~~997~~996.~~979859~~935659 B3 1,~~026~~025,~~991~~923.7530 5.~~447558~~447696% 32051GJX4 1.~~039353~~044201 4.~~535180~~530575 ~~997~~996.~~979859~~935659 B4 1,~~154~~153,~~866~~664.2172 5.~~447558~~447696% 32051GJY2 1.~~039353~~044201 4.~~535180~~530575 ~~997~~996.~~979860~~935659 B5 ~~899~~898,~~117~~181.2987 5.~~447558~~447696% 32051GJZ9 1.~~039353~~044201 4.~~535180~~530575 ~~997~~996.~~979858~~935658 B6 513,~~650~~115.0566 5.~~447558~~447696% 32051GKA2 1.~~039353~~044201 4.~~535180~~530575 ~~997~~996.~~979852~~935652 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~255~~253,~~131~~680,~~707~~928.3949 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 223,444,122.40 26,409,941.27 249,854,063.67 Loan count 1127 177 1304 Avg loan rate 6.057560% 5.452309% 5.99 Prepay amount 3,365,787.93 194,981.57 3,560,769.50 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 105,515.05 12,307.99 117,823.04 Sub servicer fees 0.00 0.00 0.00 Trustee fees 1,134.89 133.52 1,268.40 Agg advances N/A N/A N/A Adv this period 11,395.32 3,748.49 15,143.81 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 150,000.00 150,000.00 300,000.00 Fraud 5,140,059.00 5,140,059.00 10,280,118.00 Special Hazard 4,485,499.82 0.00 4,485,499.82 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 95.858845% 100.000000% 243,165,060.71 ----------------------------------------------------------------------------- Junior 4.141155% 0.000000% 10,504,864.88 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 12 2,283,763.59 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 12 2,283,763.59 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 4,968,935.60 4,968,935.60 Principal remittance amount 3,826,864.82 3,826,864.82 Interest remittance amount 1,142,070.78 1,142,070.78

Filing Compare · First Horizon Asset Sec Mort Pas Thr Certs Ser 2005-FA2