-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, WVa82KIdypOkM3GMaN8Re1Bjk9eS2naJZlxXObx13e4VHqwEfKWHR8WOJ5NqGSey p1sH1aGURrVd+0gOShGf5g== 0001056404-04-002538.txt : 20040804 0001056404-04-002538.hdr.sgml : 20040804 20040804134732 ACCESSION NUMBER: 0001056404-04-002538 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20040725 ITEM INFORMATION: Other events ITEM INFORMATION: Financial statements and exhibits FILED AS OF DATE: 20040804 FILER: COMPANY DATA: COMPANY CONFORMED NAME: RESIDENTIAL ASSET MORT PROD INC GMACM HOME EQ L N TR 04 HE2 CENTRAL INDEX KEY: 0001285178 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 333-110437-09 FILM NUMBER: 04950966 BUSINESS ADDRESS: STREET 1: 8400 NORMANDALE LAKE BLVD STREET 2: SUITE 250 CITY: MINNEAPOLIS STATE: MN ZIP: 55437 BUSINESS PHONE: 2156823562 MAIL ADDRESS: STREET 1: 8400 NORMANDALE LAKD BLVD STREET 2: SUITE 250 CITY: MINNEAPOLIS STATE: MN ZIP: 55437 8-K 1 gma04he2_july.txt JULY 8K UNITED STATES 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): July 26, 2004 GMACM Home Equity Loan Trust Home Equity Loan-Backed Termed Notes, Series 2004-HE2 New York (governing law of 333-110437-09 N/A Pooling and Servicing Agreement) (Commission IRS EIN (State or other File Number) jurisdiction c/o Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road 21045 Columbia, Maryland (Zip Code) (Address of principal executive offices) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) ITEM 5. Other Events On July 26, 2004 a distribution was made to holders of GMACM Home Equity Loan Trust Home Equity Loan-Backed Termed Notes, Series 2004-HE2. ITEM 7. Financial Statements and Exhibits (c) Exhibits furnished in accordance with Item 601(a) of Regulation S-K Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan-Backed Termed Notes, Series 2004-HE2, relating to the July 26, 2004 distribution. 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 hereunto duly authorized. GMACM Home Equity Loan Trust Home Equity Loan-Backed Termed Notes, Series 2004-HE2 By: Wells Fargo Bank Minnesota, N.A., as Indenture Trustee By: /s/ Beth Belfield, Assistant Vice President By: Beth Belfield, Assistant Vice President Date: 07/30/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan-Backed Termed Notes, Series 2004-HE2, relating to the July 26, 2003 distribution.
Home Equity Loan-Backed Term Notes, GMACM Series 2004-HE2 Payment Date 0/26/2004 Servicing Certificate Group 1 Beginning Pool Balance 564,991,937.03 Beginning PFA 83,023,081.90 Ending Pool Balance 621,812,835.35 Ending PFA Balance 0.00 Principal Collections 26,202,183.58 Principal Draws - Net Principal Collections 26,202,183.58 Active Loan Count 18,003 Interest Collections 3,780,800.46 Weighted Average Loan Rate 7.82327% Weighted Average Net Loan Rate 7.3233% Substitution Adjustment Amount 0.00 Beginning Ending Term Notes Balance Balance Factor Principal Class A-1A 57,595,248.77 47,246,478.21 0.5717905 10,348,770.56 Class A-1B 70,897,000.00 70,897,000.00 1.0000000 0.00 Class A-1C 217,604,735.88 200,078,842.26 0.7695340 17,525,893.62 Class A-2 152,808,000.00 152,808,000.00 1.0000000 0.00 Class A-3 34,034,000.00 34,034,000.00 1.0000000 0.00 Class A-4 66,708,000.00 66,708,000.00 1.0000000 0.00 Class A-IO 94,000,000.00 94,000,000.00 0.00 Class M1 37,356,000.00 37,356,000.00 1.0000000 0.00 Class M2 7,116,000.00 7,116,000.00 1.0000000 0.00 Certificates - - - - Interest Security Term Notes (con't) Interest Shortfalls % Coupon Class A-1A 67,946.39 0.00 0.0664 1.370% Class A-1B 86,691.28 0.00 0.0996 1.420% Class A-1C 262,334.60 0.00 0.2812 1.400% Class A-2 366,739.20 0.00 0.2148 2.880% Class A-3 120,253.47 0.00 0.0478 4.240% Class A-4 202,903.50 0.00 0.0938 3.650% Class A-IO 470,000.00 0.00 0.1321 6.000% Class M1 122,963.50 0.00 0.0525 3.950% Class M2 23,304.90 0.00 0.01 3.930% Certificates - - - - Beginning Overcollateralization Amount 3,896,034.28 Overcollateralization Amount Increase (Decrease) 1,672,480.60 Outstanding Overcollateralization Amount 5,568,514.88 Overcollateralization Target Amount 7,115,484.05 Credit Enhancement Draw Amount 0.00 Unreimbursed Prior Draws 0.00 Number Percent Balance of Loans of Balance Delinquent Loans (30 Days) 1,560,775.41 52 0.25% Delinquent Loans (60 Days) 622,872.38 20 0.10% Delinquent Loans (90 Days) 129,340.24 4 0.02% Delinquent Loans (120 Days) 186,408.46 5 0.03% Delinquent Loans (150 Days) - 0 0.00% Delinquent Loans (180+ Days) - 0 0.00% REO - 0 0.00% Bankruptcy 380,843.62 11 0.06% Foreclosure 29,400.58 1 0.00% Liquidation To-Date Beginning Loss Amount 0.00 Current Month Loss Amount 0.00 Current Month Prinicpal Recovery 0.00 Net Ending Loss Amount 0.00 0.00 Net Recoveries to Date Beginning Net Principal Recovery Amount 0.00 Current Month Net Principal Recovery Amount 0.00 Ending Net Principal Recovery Amount 0.00 Special Hazard Fraud Bankruptcy Beginning Amount 0.00 0.00 0.00 Current Month Loss Amount 0.00 0.00 0.00 Ending Amount - - - Liquidation Loss Distribution Amounts 0.00 Extraordinary Event Losses 0.00 Excess Loss Amounts 0.00 Capitalized Interest Account Beginning Balance 914,037.06 Withdraw relating to Collection Period 0.00 Interest Earned (Zero, Paid to Funding Account) 0.00 Remaining Balance to GMAC Mortgage (914,037.06) Total Ending Capitalized Interest Account Balance as (0.00) Interest earned for Collection Period 414.81 Interest withdrawn related to prior Collection Period 399.87 Prefunding Account Beginning Balance 83,023,081.90 Additional Purchases during Revolving Period (83,022,857.79) Excess of Draws over Principal Collections 0.00 Ending PFA Balance to Noteholders (224.11) Total Ending Balance as of Payment Date 0.00 Interest earned for Collection Period 32,975.40 Interest withdrawn related to prior Collection Period 48,900.52 Current Month Repurchases Units 0 Current Month Repurchases ($) -
-----END PRIVACY-ENHANCED MESSAGE-----