WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
Series: WAMU.04AR3
Distribution Date: 12/27/2004

Class	Cusip	Orig Prin Bal	Begin Prin Bal	Int Rate Accrued	Int Rate Paid	Int Dist	Prin Dist	Int Shortfall	PPIS	Uncomp Int Shortfall	Prin Loss	Deferred Interest	Int Reimbursed	Unsched Int	Prin Reimbursed	Subsequent Recoveries	Total Dist	Ending Class Bal
A1	92922FNH7	$676,489,100.00	$591,100,129.43	3.9180000000%	3.9180000000%	$1,929,941.92	$11,563,527.75	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$13,493,469.67	$579,536,601.68
A2	92922FNJ3	$484,834,000.00	$423,636,449.07	4.2430000000%	4.2430000000%	$1,497,907.88	$8,287,482.26	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$9,785,390.14	$415,348,966.81
X	92922FNK0	$1,161,323,100.00	$1,014,736,578.50	0.1392837412%	0.1392837412%	$117,780.26	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$117,780.26	$994,885,568.49
B1	92922FNL8	$14,389,100.00	$14,357,455.60	4.1929660935%	4.1929660935%	$50,166.94	$1,981.51	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$52,148.45	$14,355,474.09
B2	92922FNM6	$9,592,800.00	$9,571,703.59	4.1929660935%	4.1929660935%	$33,444.86	$1,321.02	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$34,765.87	$9,570,382.57
B3	92922FNN4	$5,995,400.00	$5,982,214.96	4.1929660935%	4.1929660935%	$20,902.69	$825.62	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$21,728.31	$5,981,389.34
B4	92922FNQ7	$2,398,200.00	$2,392,925.89	4.1929660935%	4.1929660935%	$8,361.21	$330.25	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$8,691.47	$2,392,595.64
B5	92922FNR5	$1,798,700.00	$1,794,744.32	4.1929660935%	4.1929660935%	$6,271.09	$247.70	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$6,518.78	$1,794,496.62
B6	92922FNS3	$3,597,312.64	$3,589,401.45	4.1929660935%	4.1929660935%	$12,541.87	$495.38	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$13,037.25	$3,588,906.07
R	92922FNP9	$100.00	$0.00	0.0000000000%	0.0000000000%	$0.45	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.45	$0.00
R_SYN	XXXXXXXXX	$0.00	$0.00	0.0000000000%	0.0000000000%	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Total		$1,199,094,712.64	$1,052,425,024.31			$3,677,319.15	$19,856,211.49	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$23,533,530.64	$1,032,568,812.82

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
Series: WAMU.04AR3
Distribution Date: 12/27/2004

Class	Orig Face	Beg Bal	Prin Loss	Prin Reimbursed	Subsequent Recoveries	Deferred Interest	Total Prin	End Cert Pct	End Cert Bal
A1	$676,489,100.00	$591,100,129.43	$0.00	$0.00	$0.00	$0.00	$11,563,527.75	0.8566828374	$579,536,601.68
A2	$484,834,000.00	$423,636,449.07	$0.00	$0.00	$0.00	$0.00	$8,287,482.26	0.8566828374	$415,348,966.81
X	$1,161,323,100.00	$1,014,736,578.50	$0.00	$0.00	$0.00	$0.00	$0.00	0.8566828374	$994,885,568.49
B1	$14,389,100.00	$14,357,455.60	$0.00	$0.00	$0.00	$0.00	$1,981.51	0.9976630985	$14,355,474.09
B2	$9,592,800.00	$9,571,703.59	$0.00	$0.00	$0.00	$0.00	$1,321.02	0.9976630984	$9,570,382.57
B3	$5,995,400.00	$5,982,214.96	$0.00	$0.00	$0.00	$0.00	$825.62	0.9976630984	$5,981,389.34
B4	$2,398,200.00	$2,392,925.89	$0.00	$0.00	$0.00	$0.00	$330.25	0.9976630973	$2,392,595.64
B5	$1,798,700.00	$1,794,744.32	$0.00	$0.00	$0.00	$0.00	$247.70	0.9976631011	$1,794,496.62
B6	$3,597,312.64	$3,589,401.45	$0.00	$0.00	$0.00	$0.00	$495.38	0.9976630972	$3,588,906.07
R	$100.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	0.0000000000	$0.00
R_SYN	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	0.0000000000	$0.00
Total	$1,199,094,712.64	$1,052,425,024.31	$0.00	$0.00	$0.00	$0.00	$19,856,211.49	0.8611236476	$1,032,568,812.82

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
Series: WAMU.04AR3
Distribution Date: 12/27/2004
PER $1000 DENOMINATION
Class	Orig Face	Beg Bal	Prin Loss	Prin Reimbursed	Subsequent Recoveries	Deferred Interest	Total Prin	End Cert Pct	End Cert Bal
A1	$676,489,100.00	873.77628025	0.00000000	0.00000000	0.00000000	0.00000000	17.09344282	0.8566828374	856.68283743
A2	$484,834,000.00	873.77628027	0.00000000	0.00000000	0.00000000	0.00000000	17.09344283	0.8566828374	856.68283745
X	$1,161,323,100.00	873.77628026	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.8566828374	856.68283744
B1	$14,389,100.00	997.80080756	0.00000000	0.00000000	0.00000000	0.00000000	0.13770910	0.9976630985	997.66309846
B2	$9,592,800.00	997.80080790	0.00000000	0.00000000	0.00000000	0.00000000	0.13770953	0.9976630984	997.66309837
B3	$5,995,400.00	997.80080729	0.00000000	0.00000000	0.00000000	0.00000000	0.13770891	0.9976630984	997.66309838
B4	$2,398,200.00	997.80080477	0.00000000	0.00000000	0.00000000	0.00000000	0.13770745	0.9976630973	997.66309732
B5	$1,798,700.00	997.80081170	0.00000000	0.00000000	0.00000000	0.00000000	0.13771057	0.9976631011	997.66310113
B6	$3,597,312.64	997.80080555	0.00000000	0.00000000	0.00000000	0.00000000	0.13770835	0.9976630972	997.66309719
R	$100.00	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.0000000000	0.00000000
R_SYN	$0.00	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.0000000000	0.00000000

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
Series: WAMU.04AR3
Distribution Date: 12/27/2004

Class	Orig Face	Int Rate Accrued	Int Rate Paid	Beg Cert Prin/Not Bal	Current Int Accrued	Int Shortfall	PPIS	Uncompensated Int Shortfall	Unscheduled Int	Int Reimbursed	Total Int Dist
A1	$676,489,100.00	3.9180000000%	3.9180000000%	$591,100,129.43	$1,929,941.92	$0.00	$0.00	$0.00	$0.00	$0.00	$1,929,941.92
A2	$484,834,000.00	4.2430000000%	4.2430000000%	$423,636,449.07	$1,497,907.88	$0.00	$0.00	$0.00	$0.00	$0.00	$1,497,907.88
X	$1,161,323,100.00	0.1392837412%	0.1392837412%	$1,014,736,578.50	$117,780.26	$0.00	$0.00	$0.00	$0.00	$0.00	$117,780.26
B1	$14,389,100.00	4.1929660935%	4.1929660935%	$14,357,455.60	$50,166.94	$0.00	$0.00	$0.00	$0.00	$0.00	$50,166.94
B2	$9,592,800.00	4.1929660935%	4.1929660935%	$9,571,703.59	$33,444.86	$0.00	$0.00	$0.00	$0.00	$0.00	$33,444.86
B3	$5,995,400.00	4.1929660935%	4.1929660935%	$5,982,214.96	$20,902.69	$0.00	$0.00	$0.00	$0.00	$0.00	$20,902.69
B4	$2,398,200.00	4.1929660935%	4.1929660935%	$2,392,925.89	$8,361.21	$0.00	$0.00	$0.00	$0.00	$0.00	$8,361.21
B5	$1,798,700.00	4.1929660935%	4.1929660935%	$1,794,744.32	$6,271.09	$0.00	$0.00	$0.00	$0.00	$0.00	$6,271.09
B6	$3,597,312.64	4.1929660935%	4.1929660935%	$3,589,401.45	$12,541.87	$0.00	$0.00	$0.00	$0.00	$0.00	$12,541.87
R	$100.00	0.0000000000%	0.0000000000%	$0.00	$0.45	$0.00	$0.00	$0.00	$0.00	$0.00	$0.45
R_SYN	$0.00	0.0000000000%	0.0000000000%	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Total	$1,199,094,712.64			$1,052,425,024.31	$3,677,319.15	$0.00	$0.00	$0.00	$0.00	$0.00	$3,677,319.15

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
Series: WAMU.04AR3
Distribution Date: 12/27/2004
PER $1000 DENOMINATION
Class	Orig Face	Int Rate Accrued	Int Rate Paid	Beg Cert Prin/Not Bal	Curent Int Accrued	Int Shortfall	PPIS	Uncompensated Int Shortfall	Unscheduled Int	Int Reimbursed	Total Int Dist
A1	$676,489,100.00	3.9180000000%	3.9180000000%	873.77628025	2.85287955	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	2.85287955
A2	$484,834,000.00	4.2430000000%	4.2430000000%	873.77628027	3.08952730	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	3.08952730
X	$1,161,323,100.00	0.1392837412%	0.1392837412%	873.77628026	0.10141903	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.10141903
B1	$14,389,100.00	4.1929660935%	4.1929660935%	997.80080756	3.48645433	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	3.48645433
B2	$9,592,800.00	4.1929660935%	4.1929660935%	997.80080790	3.48645442	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	3.48645442
B3	$5,995,400.00	4.1929660935%	4.1929660935%	997.80080729	3.48645462	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	3.48645462
B4	$2,398,200.00	4.1929660935%	4.1929660935%	997.80080477	3.48645234	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	3.48645234
B5	$1,798,700.00	4.1929660935%	4.1929660935%	997.80081170	3.48645689	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	3.48645689
B6	$3,597,312.64	4.1929660935%	4.1929660935%	997.80080555	3.48645538	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	3.48645538
R	$100.00	0.0000000000%	0.0000000000%	0.00000000	4.50000000	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	4.50000000
R_SYN	$0.00	0.0000000000%	0.0000000000%	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000	0.00000000

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
MASTER SERVICING
MORTGAGE PASS-THROUGH CERTIFICATES
12/2004 DISTRIBUTION REPORT
SERIES: WAMU 04AR3
WEIGHTED AVERAGE PC RATE: 4.19297%
WEIGHTED AVERAGE MATURITY: 351.00879
WEIGHTED AVERAGE LOAN AGE: 8.57669
POOL NUMBER: 2384
ISSUE DATE: 04/27/2004
CERTIFICATE BALANCE AT ISSUE: $1,199,094,712.64
	TOTAL NUMBER OF MORTAGES	CERTIFICATE ACCOUNT ACTIVITY (@ PCRATE)	CERTIFICATE BALANCE OUTSTANDING
BALANCES FROM LAST FISCAL MONTH-END:	1633		$1,052,425,024.33
PRINCIPAL POOL COLLECTION(S):
Scheduled Principal Collection Due Current Month		$145,247.94
Unscheduled Principal Collection/Reversals		$2,213,025.34
Liquidations-in-full	27	$17,497,938.21
Subsequent Recoveries		$0.00
Net principal Distributed		$19,856,211.49	-$19,856,211.49

CAPITAL LOSS (PRINCIPAL WRITTEN OFF):			$0.00

BALANCE CURRENT FISCAL MONTH-END:	1606		$1,032,568,812.84

SCHEDULED INTEREST AT MORTGAGE RATE:		$4,050,053.07

UNSCHEDULED INTEREST AT MORTGAGE RATE:
Unscheduled Interest Collection/Reversals		$0.00
Interest Uncollected on Liquidation		$0.00
Interest Uncollected on Non-Earning Assets		$0.00
Interest Uncollected on Prepayment		$0.00
Uncompensated Uncollected Interest		$0.00
Net Unscheduled Interest Distributed		$0.00

OTHER:
Loan Conversion Fees		$0.00
Expense Reimbursements		$0.00
Gain on Liquidations		$0.00
Hazard Insurance Premium Refunds		$0.00
Recoveries Carried Forward		$0.00
Net Other Distributions		$0.00

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
MASTER SERVICING
MORTGAGE PASS-THROUGH CERTIFICATES
12/2004 DISTRIBUTION REPORT
	TOTAL NUMBER OF MORTAGES	CERTIFICATE ACCOUNT ACTIVITY (@ PCRATE)	CERTIFICATE BALANCE OUTSTANDING
SCHEDULED SERVICING FEE EXPENSES:		$372,733.92

UNSCHEDULED SERVICING FEES:
Unscheduled Service Fee Collections/Reversals		$0.00
Servicing Fees Uncollected on Liquidation		$0.00
Servicing Fees Uncollected/Non-Earning Assets		$0.00
Net Unscheduled Service Fees Distributed		$0.00

MISCELLANEOUS EXPENSES:		$0.00

NET FUNDS DISTRIBUTED:		$23,533,530.64

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
MASTER SERVICING
MORTGAGE PASS-THROUGH CERTIFICATES
12/2004 DISTRIBUTION REPORT
SERIES: WAMU 04AR3
WEIGHTED AVERAGE PC RATE: 4.19297%
WEIGHTED AVERAGE MATURITY: 351.00879
WEIGHTED AVERAGE LOAN AGE: 8.57669
POOL NUMBER: ALL
ISSUE DATE: 04/27/2004
CERTIFICATE BALANCE AT ISSUE: $1,199,094,712.64
	TOTAL NUMBER OF MORTAGES	CERTIFICATE ACCOUNT ACTIVITY (@ PCRATE)	CERTIFICATE BALANCE OUTSTANDING
BALANCES FROM LAST FISCAL MONTH-END:	1633		$1,052,425,024.33
PRINCIPAL POOL COLLECTION(S):
Scheduled Principal Collection Due Current Month		$145,247.94
Unscheduled Principal Collection/Reversals		$2,213,025.34
Liquidations-in-full	27	$17,497,938.21
Subsequent Recoveries		$0.00
Net principal Distributed		$19,856,211.49	-$19,856,211.49

CAPITAL LOSS (PRINCIPAL WRITTEN OFF):			$0.00

BALANCE CURRENT FISCAL MONTH-END:	1606		$1,032,568,812.84

SCHEDULED INTEREST AT MORTGAGE RATE:		$4,050,053.07

UNSCHEDULED INTEREST AT MORTGAGE RATE:
Unscheduled Interest Collection/Reversals		$0.00
Interest Uncollected on Liquidation		$0.00
Interest Uncollected on Non-Earning Assets		$0.00
Interest Uncollected on Prepayment		$0.00
Uncompensated Uncollected Interest		$0.00
Net Unscheduled Interest Distributed		$0.00

OTHER:
Loan Conversion Fees		$0.00
Expense Reimbursements		$0.00
Gain on Liquidations		$0.00
Hazard Insurance Premium Refunds		$0.00
Recoveries Carried Forward		$0.00
Net Other Distributions		$0.00

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
MASTER SERVICING
MORTGAGE PASS-THROUGH CERTIFICATES
12/2004 DISTRIBUTION REPORT
	TOTAL NUMBER OF MORTAGES	CERTIFICATE ACCOUNT ACTIVITY (@ PCRATE)	CERTIFICATE BALANCE OUTSTANDING
SCHEDULED SERVICING FEE EXPENSES:		$372,733.92

UNSCHEDULED SERVICING FEES:
Unscheduled Service Fee Collections/Reversals		$0.00
Servicing Fees Uncollected on Liquidation		$0.00
Servicing Fees Uncollected/Non-Earning Assets		$0.00
Net Unscheduled Service Fees Distributed		$0.00

MISCELLANEOUS EXPENSES:		$0.00

NET FUNDS DISTRIBUTED:		$23,533,530.64

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
Series: WAMU.04AR3
Distribution Date: 12/27/2004

Distribution by Group
Pool ID		Principal		Interest		Total
Pool - 2384		$19,856,211.49		$3,677,319.15		$23,533,530.64
Aggregate		$19,856,211.49		$3,677,319.15		$23,533,530.64

Number of Loans and Aggregate Principal Balance By Group
Pool ID	Beg Bal	Beg Count	Paid Off / Liq Count	Rem Count	Sched Prin End Bal	Sched Prin	Prin PrePay / Liq	Unsched Prin / Rev	Total Prin
Pool - 2384	$1,052,425,024.33	1633	27	1606	$1,032,568,812.84	$145,247.94	$17,497,938.21	$2,213,025.34	$19,856,211.49
Aggregate	$1,052,425,024.33	1633	27	1606	$1,032,568,812.84	$145,247.94	$17,497,938.21	$2,213,025.34	$19,856,211.49

Delinquency Information by Group
Pool ID	1 Month Count	Sched End Balance	2 Months Count	Sched End Balance	3 Months Count	Sched End Balance	4 Months Count	Sched End Balance
Pool - 2384	6	$4,242,430.39	0	$0.00	0	$0.00	0	$0.00
Aggregate	6	$4,242,430.39	0	$0.00	0	$0.00	0	$0.00

Foreclosure and REO Information by Group
Pool ID		Foreclosure Count		Sched End Balance		REO Count		Sched End Balance
Pool - 2384		1		$345,000.00		0		$0.00
Aggregate		1		$345,000.00		0		$0.00

Aggregate Loss Amounts by Group
Pool ID			Count			Loss Amount
Pool - 2384			0			$0.00
Aggregate			0			$0.00

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
Series: WAMU.04AR3
Distribution Date: 12/27/2004

INSURANCE RESERVES - Group 1
Insurance Type	Original Balance	Claims In Progress	Claims Paid	Coverage Adjustments	Coverage Remaining
MPI	$0.00	$0.00	$0.00	$0.00	$0.00
Special Hazard	$15,663,990.00	$0.00	$0.00	$0.00	$15,663,990.00
Bankruptcy Bond
Single-Units	$123,900.00	$0.00	$0.00	$0.00	$123,900.00
Multi-Units	$0.00	$0.00	$0.00	$0.00	$0.00
Mortgage Repurchase	$23,981,894.00	$0.00	$0.00	$0.00	$23,981,894.00

INSURANCE RESERVES - Aggregate
Insurance Type	Original Balance	Claims In Progress	Claims Paid	Coverage Adjustments	Coverage Remaining
MPI	$0.00	$0.00	$0.00	$0.00	$0.00
Special Hazard	$15,663,990.00	$0.00	$0.00	$0.00	$15,663,990.00
Bankruptcy Bond
Single-Units	$123,900.00	$0.00	$0.00	$0.00	$123,900.00
Multi-Units	$0.00	$0.00	$0.00	$0.00	$0.00
Mortgage Repurchase	$23,981,894.00	$0.00	$0.00	$0.00	$23,981,894.00

WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
Series: WAMU.04AR3
Distribution Date: 12/27/2004

The Subordinate Certificates provide, to the limited extent described in the Prospectus Supplement, credit support, as well as special hazard, bankruptcy, and fraud coverage to certain Certificates. The "Prospectus Supplement" is that certain Prospectus Supplement, dated April 23,2004 to that certain Prospectus Supplement, dated February 10,2004, to which certain certificates were offered. The special hazard, bankruptcy, and Fraud coverage (collectively, "Credit Enhancements") provided by the Subordinate certificates provide coverage to the Loans, subject to the conditions and limitations to payment specified thereunder.



The Class Principal Balances of each Class of the Class B1,B2,B3,B4,B5,B6 Certificatesimmediately after the principal and interest distribution on 200412 are as follows:

Class			Class Principal Balance
B1			$14,355,474.09
B2			$9,570,382.57
B3			$5,981,389.34
B4			$2,392,595.64
B5			$1,794,496.62
B6			$3,588,906.07
Total			$37,683,244.33
Capitalized items used but not defined herein have the meanings ascribed to them in the Prospectus Supplement.
The amount of the special hazard coverage, bankruptcy coverage, and fraud coverage, as of the above referenced distribution date, is $15,663,990.00, $123,900.00, $23,981,894.00 respectively, and such coverages are referred to in the table above under the column "Insurance Type" as "special hazard," "bankruptcy bond," and "mortgage repurchase," respectively. However, no policy of insurance exists for any such coverage, notwithstanding the reference to "insurance."

WAMU MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2004 AR-3 8-K