8-K 1 cwt05j3_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 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2005-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: May 25, 2005 CWT By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated May 25, 2005 Payment Date: 05/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J3 Alternative Loan Trust 2005-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 ~~150~~147,~~000~~542,~~000~~461.0068 3.~~400000~~570000% 21,~~457~~591,~~538~~764.3202 ~~425~~438,~~000~~938.0082 2,~~882~~030,~~538~~702.3284 0.00 0.00 1A2 ~~150~~147,~~000~~542,~~000~~461.0068 21.~~100000~~930000% 0.00 ~~262~~237,~~500~~297.0046 ~~262~~237,~~500~~297.0046 0.00 0.00 1A3 32,~~000~~950,~~000~~849.0023 3.~~450000~~620000% 4931,~~150~~835.7728 8,~~625~~901.0073 5740,~~775~~737.7701 0.00 0.00 1A4 32,~~000~~950,~~000~~849.0023 21.~~050000~~880000% 0.00 54,~~125~~623.00 54,~~125~~623.00 0.00 0.00 1A5 5,944,000.00 5.500000% 0.00 27,243.33 27,243.33 0.00 0.00 2A1 24,~~925~~782,~~000~~579.0070 3.~~350000~~520000% ~~142~~76,~~420~~718.3072 6972,~~582~~695.2957 ~~212~~149,~~002~~414.5929 0.00 0.00 2A2 54,~~925~~611,~~000~~161.0009 21.~~150000~~980000% 0.00 9890,~~407~~108.2942 9890,~~407~~108.2942 0.00 0.00 2A3 1,~~325~~317,~~000~~429.0001 3.~~450000~~620000% 74,~~570~~078.9933 3,~~809~~974.3724 118,~~380~~052.3657 0.00 0.00 2A4 1,~~325~~317,~~000~~429.0001 21.~~050000~~880000% 0.00 2,~~263~~063.5497 2,~~263~~063.5497 0.00 0.00 2A5 1,931,000.00 5.500000% 0.00 8,850.42 8,850.42 0.00 0.00 2A6 6261,~~697~~947,000.00 3.~~150000~~320000% ~~755~~483,~~856~~784.6794 ~~164~~171,~~579~~386.6270 ~~920~~655,~~436~~171.2964 0.00 0.00 2A7 6261,~~697~~947,000.00 2.~~350000~~180000% 0.00 ~~122~~112,~~781~~537.6205 ~~122~~112,~~781~~537.6205 0.00 0.00 2A8 62,~~697~~552,~~000~~977.0076 3.~~150000~~320000% ~~138~~1,~~165~~000.5700 ~~164~~173,~~579~~063.6224 ~~302~~174,~~745~~063.1924 0.00 0.00 2A9 62,~~697~~552,~~000~~977.0076 2.~~350000~~180000% 0.00 ~~122~~113,~~781~~637.6291 ~~122~~113,~~781~~637.6291 0.00 0.00 2A10 1,~~496~~502,~~000~~856.0067 5.500000% 0.00 0.00 0.00 0.00 0.00 2A11 10,000,000.00 5.500000% 0.00 45,833.33 45,833.33 0.00 0.00 2A12 500,000.00 5.500000% 0.00 2,291.67 2,291.67 0.00 0.00 2A13 23,203,000.00 5.500000% 0.00 106,347.08 106,347.08 0.00 0.00 2A14 3029,~~000~~828,~~000~~581.0039 3.~~350000~~520000% ~~171~~92,~~418~~339.6149 8387,~~750~~497.0017 ~~255~~179,~~168~~836.6166 0.00 0.00 3A1 ~~104~~99,~~614~~046,~~000~~111.0089 6.500000% 53,~~567~~937,~~888~~141.1116 ~~566~~536,~~659~~499.1777 64,~~134~~473,~~547~~640.2894 0.00 0.00 XA1 ~~145~~142,~~100~~604,~~608~~529.0007 0.~~347080~~343881% 0.00 4140,~~967~~865.9880 4140,~~967~~865.9880 0.00 0.00 XA2 183,~~828~~061,~~067~~246.0094 0.~~321206~~321275% 0.00 49,~~205~~010.5084 49,~~205~~010.5084 0.00 0.00 XB 5955,~~307~~209,~~081~~919.0095 0.~~460421~~469299% 0.00 2221,~~755~~591.1762 2221,~~755~~591.1762 0.00 0.00 POA1 ~~645~~644,~~761~~425.0084 0.000000% ~~1,335~~883.1641 0.00 ~~1,335~~883.1641 0.00 0.00 POB ~~929~~914,~~607~~954.0038 0.000000% 1452,~~652~~639.6297 0.00 1452,~~652~~639.6297 0.00 0.00 Residual AR ~~100~~0.00 5.500000% ~~100~~0.00 0.6115 ~~100~~0.6115 0.00 0.00 P 100.00 0.000000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate MA 3,~~556~~553,~~100~~734.0074 5.~~718115~~717982% 2,~~365~~547.2699 16,~~945~~933.1649 19,~~310~~481.4149 0.00 0.00 M 9,~~394~~387,~~000~~751.0080 5.~~718115~~717982% 6,~~248~~730.2093 44,~~763~~732.3149 51,~~011~~463.5142 0.00 0.00 B1 3,~~808~~805,~~400~~866.0093 5.~~718115~~717982% 2,~~533~~728.0777 18,~~147~~134.3990 20,~~680~~863.4667 0.00 0.00 B2 2,~~285~~283,~~000~~480.0019 5.~~718115~~717982% 1,~~519~~637.8123 10,~~888~~880.2475 12,~~408~~517.0698 0.00 0.00 B3 2,~~031~~029,~~200~~849.00 5.~~718115~~717982% 1,~~351~~455.0038 9,~~678~~672.8620 11,~~029~~127.8758 0.00 0.00 B4 1,~~523~~522,~~400~~387.5025 5.~~718115~~717982% 1,~~013~~091.2554 7,~~259~~254.15 8,~~272~~345.4069 0.00 0.00 B5 1,~~269~~268,~~497~~653.5820 5.~~718115~~717982% ~~844~~909.3861 6,~~049~~045.2811 6,~~893~~954.6573 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~507~~498,~~775~~460,~~166~~050.0867 - 96,~~321~~289,~~972~~286.0878 2,~~518~~468,~~670~~912.6638 118,~~840~~758,~~642~~199.7317 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~147~~145,~~542~~950,~~461~~697.6866 0.00 1A2 ~~147~~145,~~542~~950,~~461~~697.6866 0.00 1A3 2,~~950~~919,~~849~~013.2395 0.00 1A4 2,~~950~~919,~~849~~013.2395 0.00 1A5 5,944,000.00 0.00 2A1 24,~~782~~705,~~579~~860.7098 0.00 2A2 54,~~611~~442,~~161~~102.0988 0.00 2A3 1,~~317~~313,~~429~~350.0168 0.00 2A4 1,~~317~~313,~~429~~350.0168 0.00 2A5 1,931,000.00 0.00 2A6 61,~~941~~463,~~143~~215.3306 0.00 2A7 61,~~941~~463,~~143~~215.3306 0.00 2A8 62,~~558~~551,~~834~~977.4376 0.00 2A9 62,~~558~~551,~~834~~977.4376 0.00 2A10 1,~~502~~509,~~856~~744.6776 0.00 2A11 10,000,000.00 0.00 2A12 500,000.00 0.00 2A13 23,203,000.00 0.00 2A14 29,~~828~~736,~~581~~241.3990 0.00 3A1 9995,~~046~~108,~~111~~970.8972 0.00 XA1 ~~142~~141,~~604~~002,~~529~~775.0781 0.00 XA2 ~~183~~182,~~061~~427,~~246~~979.9455 0.00 XB 5552,~~209~~988,~~919~~721.9531 0.00 POA1 ~~644~~643,~~425~~542.8443 0.00 POB ~~914~~862,~~954~~314.3841 0.00 Residual AR 0.00 0.00 P 100.00 0.00 -------------------------------------------------------------------------------- Subordinate MA 3,~~553~~551,~~734~~186.7475 0.00 M 9,~~387~~381,~~751~~020.8087 0.00 B1 3,~~805~~803,~~866~~138.9316 0.00 B2 2,~~283~~281,~~480~~842.1995 0.00 B3 2,~~029~~028,~~849~~393.0061 0.00 B4 1,~~522~~521,~~387~~295.2571 0.00 B5 1,~~268~~267,~~653~~743.2059 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~498~~492,~~460~~177,~~050~~651.6798 - --------------------------------------------------------------------------------

Payment Date: 05/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J3 Alternative Loan Trust 2005-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 ~~150~~147,~~000~~542,~~000~~461.0068 3.~~400000~~570000% 12667GDA8 1610.~~383589~~611760 2.~~833333~~926259 ~~983~~973.~~616411~~004651 1A2 ~~150~~147,~~000~~542,~~000~~461.0068 21.~~100000~~930000% 12667GDB6 0.000000 1.~~750000~~581983 ~~983~~973.~~616411~~004651 1A3 32,~~000~~950,~~000~~849.0023 3.~~450000~~620000% 12667GDC4 1610.~~383589~~611760 2.~~875000~~967243 ~~983~~973.~~616411~~004651 1A4 32,~~000~~950,~~000~~849.0023 21.~~050000~~880000% 12667GDD2 0.000000 1.~~708333~~540999 ~~983~~973.~~616411~~004651 1A5 5,944,000.00 5.500000% 12667GDE0 0.000000 4.583333 1,000.000000 2A1 24,~~925~~782,~~000~~579.0070 3.~~350000~~520000% 12667GDH3 53.~~713954~~077983 2.~~791667~~916572 ~~994~~991.~~286046~~208063 2A2 54,~~925~~611,~~000~~161.0009 21.~~150000~~980000% 12667GDJ9 0.000000 1.~~791667~~640572 ~~994~~991.~~286046~~208063 2A3 1,~~325~~317,~~000~~429.0001 3.~~450000~~620000% 12667GDK6 53.~~713954~~077983 2.~~875000~~999430 ~~994~~991.~~286046~~208063 2A4 1,~~325~~317,~~000~~429.0001 21.~~050000~~880000% 12667GDL4 0.000000 1.~~708333~~557715 ~~994~~991.~~286046~~208063 2A5 1,931,000.00 5.500000% 12667GDM2 0.000000 4.583333 1,000.000000 2A6 6261,~~697~~947,000.00 3.~~150000~~320000% 12667GDN0 127.~~055707~~716237 2.~~625000~~733571 ~~987~~980.~~944293~~321468 2A7 6261,~~697~~947,000.00 2.~~350000~~180000% 12667GDP5 0.000000 1.~~958333~~794935 ~~987~~980.~~944293~~321468 2A8 62,~~697~~552,~~000~~977.0076 3.~~150000~~320000% 12667GDQ3 20.~~203703~~015950 2.~~625000~~760311 997.~~796297~~686935 2A9 62,~~697~~552,~~000~~977.0076 2.~~350000~~180000% 12667GDU4 0.000000 1.~~958333~~812494 997.~~796297~~686935 2A10 1,~~496~~502,~~000~~856.0067 5.500000% 12667GDV2 0.000000 0.000000 1,~~004~~009.~~583333~~187674 2A11 10,000,000.00 5.500000% 12667GDW0 0.000000 4.583333 1,000.000000 2A12 500,000.00 5.500000% 12667GDX8 0.000000 4.583333 1,000.000000 2A13 23,203,000.00 5.500000% 12667GDY6 0.000000 4.583333 1,000.000000 2A14 3029,~~000~~828,~~000~~581.0039 3.~~350000~~520000% 12667GDZ3 53.~~713954~~077983 2.~~791667~~916572 ~~994~~991.~~286046~~208063 3A1 ~~104~~99,~~614~~046,~~000~~111.0089 6.500000% 12667GEC3 5337.~~223164~~634936 5.~~416667~~128375 ~~946~~909.~~776836~~141900 XA1 ~~145~~142,~~100~~604,~~608~~529.0007 0.~~347080~~343881% 12667GDF7 0.000000 0.~~289234~~281638 ~~982~~971.~~797598~~758684 XA2 183,~~828~~061,~~067~~246.0094 0.~~321206~~321275% 12667GDF7 0.000000 0.~~267671~~266612 ~~995~~992.~~828602~~383712 XB 5955,~~307~~209,~~081~~919.0095 0.~~460421~~469299% 12667GEA7 0.000000 0.~~383684~~364065 ~~930~~893.~~916157~~463654 POA1 ~~645~~644,~~761~~425.0084 0.000000% 12667GDG5 21.~~067578~~368011 0.000000 ~~997~~996.~~932422~~564411 POB ~~929~~914,~~607~~954.0038 0.000000% 12667GEB5 1556.~~762161~~626050 0.000000 ~~984~~927.~~237839~~611789 Residual AR ~~100~~0.00 5.500000% 12667GEF6 ~~1,000~~0.000000 61.~~148323~~452757 0.000000 P 100.00 0.000000% 12667GFR9 0.000000 0.000000 1,000.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate MA 3,~~556~~553,~~100~~734.0074 5.~~718115~~717982% 12667GED1 0.~~665126~~716514 4.~~765096~~761815 ~~999~~998.~~334874~~618360 M 9,~~394~~387,~~000~~751.0080 5.~~718115~~717982% 12667GEG4 0.~~665126~~716514 4.~~765096~~761815 ~~999~~998.~~334874~~618360 B1 3,~~808~~805,~~400~~866.0093 5.~~718115~~717982% 12667GEH2 0.~~665126~~716514 4.~~765096~~761815 ~~999~~998.~~334874~~618360 B2 2,~~285~~283,~~000~~480.0019 5.~~718115~~717982% 12667GEJ8 0.~~665126~~716514 4.~~765096~~761815 ~~999~~998.~~334874~~618360 B3 2,~~031~~029,~~200~~849.00 5.~~718115~~717982% 12667GDR1 0.~~665126~~716514 4.~~765096~~761815 ~~999~~998.~~334874~~618360 B4 1,~~523~~522,~~400~~387.5025 5.~~718115~~717982% 12667GDS9 0.~~665126~~716514 4.~~765096~~761815 ~~999~~998.~~334874~~618360 B5 1,~~269~~268,~~497~~653.5820 5.~~718115~~717982% 12667GDT7 0.~~665126~~716514 4.~~765096~~761815 ~~999~~998.~~334874~~618360 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~507~~498,~~775~~460,~~166~~050.0867 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2005-J3 Alternative Loan Trust 2005-J3 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 162,903,506.57 228,110,481.27 101,163,564.14 Loan count 478 636 324 Avg loan rate 6.049485% 6.007404% 6.953090% Prepay amount 1,531,028.97 540,902.43 3,855,890.00 Total ----- Prin balance 492,177,551.98 Loan count 1438 Avg loan rate 6.22 Prepay amount 5,927,821.40 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 33,775.96 47,454.79 17,510.26 Sub servicer fees 0.00 0.00 0.00 Trustee fees 1,233.99 1,715.75 788.70 Agg advances N/A N/A N/A Adv this period 15,163.76 16,064.81 4,726.84 Total ----- Master serv fees 98,741.00 Sub servicer fees 0.00 Trustee fees 3,738.45 Agg advances N/A Adv this period 35,955.41 -------------------------------------------------------------------------------- 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 3,340,872.79 4,599,638.77 2,214,989.76 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 10,155,501.32 Special Hazard 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 95.218185% 100.000000% 474,608,327.56 ----------------------------------------------------------------------------- Junior 4.781815% 0.000000% 23,834,621.65 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 21 6,135,389.04 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 21 6,135,389.04 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 8,758,199.17 8,758,199.17 Principal remittance amount 6,289,286.78 6,289,286.78 Interest remittance amount 2,468,912.38 2,468,912.38

Filing Compare · CWALT, Inc. Alternative Loan Trust 2005-J3