-----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, KzbKAsq9dcdN1DSYrOdFgepqec5GA2cTegoI2dCgzrHA+TLBpkC6/2WfkHCYHgsU 3iPQPtfyTC4PGjwq20Oz9g== 0001056404-04-004217.txt : 20041203 0001056404-04-004217.hdr.sgml : 20041203 20041203131658 ACCESSION NUMBER: 0001056404-04-004217 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20041126 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20041203 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Renaissance Home Equity Loan Trust 2004-3 CENTRAL INDEX KEY: 0001304821 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 333-118688-01 FILM NUMBER: 041182881 BUSINESS ADDRESS: STREET 1: MCKEE NELSON LLP STREET 2: 5 TIMES SQUARE 35TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10036 BUSINESS PHONE: 9177774200 MAIL ADDRESS: STREET 1: 1000 WOODBURY ROAD CITY: WOODBURY STATE: NY ZIP: 11797 8-K 1 rma04003_nov.txt NOVEMBER 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): November 26, 2004 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-3 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-118688-01 pending Pooling and Servicing Agreement) (Commission IRS EIN (State or other File Number) jurisdiction of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, 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 (see General Instruction A.2. below): [ ] 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)) ITEM 8.01 Other Events On November 26, 2004 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2004-3 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-3 Trust, relating to the November 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. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-3 Trust (Registrant) By: Wells Fargo Bank, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 11/30/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-3 Trust, relating to the November 26, 2004 distribution. EX-99.1
Renaissance Mortgage Acceptance Corp. Home Equity Loan Asset-Backed Certs. Record Date: 10/31/2004 Distribution Date: 11/26/2004 RMAC Series: 2004-3 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution AV1 759950DG0 SEN 2.35250% 99,439,563.81 207,939.18 626,053.98 AV2-A 759950DY1 SEN 2.29250% 29,832,167.46 60,791.33 187,818.07 AV2-B 759950DZ8 SEN 2.53250% 9,944,055.82 22,385.17 62,606.02 AF1 759950DH8 SEN 2.15250% 141,006,539.41 269,792.51 2,684,171.20 AF2 759950DJ4 SEN 3.57400% 78,733,000.00 234,493.12 0.00 AF3 759950DK1 SEN 4.03300% 56,795,000.00 190,878.53 0.00 AF4 759950DL9 SEN 4.89300% 35,930,000.00 146,504.58 0.00 AF5 759950DM7 SEN 5.47200% 22,635,000.00 103,215.60 0.00 AF6 759950DN5 SEN 4.82400% 50,000,000.00 201,000.00 0.00 M1 759950DP0 MEZ 5.15700% 19,200,000.00 82,512.00 0.00 M2 759950DQ8 MEZ 5.28400% 17,280,000.00 76,089.60 0.00 M3 759950DR6 MEZ 5.38400% 9,920,000.00 44,507.73 0.00 M4 759950DS4 MEZ 5.48100% 11,200,000.00 51,156.00 0.00 M5 759950DT2 MEZ 5.63000% 8,000,000.00 37,533.33 0.00 M6 759950DU9 MEZ 5.72900% 8,960,000.00 42,776.53 0.00 M7 759950DV7 MEZ 5.87800% 6,400,000.00 31,349.33 0.00 M8 759950DW5 MEZ 5.99700% 7,360,000.00 36,781.60 0.00 M9 759950DX3 MEZ 6.25000% 7,360,000.00 38,333.33 0.00 BIO RMA043BIO RES 0.00000% 0.00 2,065,758.25 0.00 P RMA04003P RES 0.00000% 0.01 44,402.52 0.00 R RMA04003R3 RES 0.00000% 0.01 0.00 0.00 Totals 619,995,326.52 3,988,200.24 3,560,649.27
Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AV1 0.00 98,813,509.83 833,993.16 0.00 AV2-A 0.00 29,644,349.39 248,609.40 0.00 AV2-B 0.00 9,881,449.80 84,991.19 0.00 AF1 0.00 138,322,368.21 2,953,963.71 0.00 AF2 0.00 78,733,000.00 234,493.12 0.00 AF3 0.00 56,795,000.00 190,878.53 0.00 AF4 0.00 35,930,000.00 146,504.58 0.00 AF5 0.00 22,635,000.00 103,215.60 0.00 AF6 0.00 50,000,000.00 201,000.00 0.00 M1 0.00 19,200,000.00 82,512.00 0.00 M2 0.00 17,280,000.00 76,089.60 0.00 M3 0.00 9,920,000.00 44,507.73 0.00 M4 0.00 11,200,000.00 51,156.00 0.00 M5 0.00 8,000,000.00 37,533.33 0.00 M6 0.00 8,960,000.00 42,776.53 0.00 M7 0.00 6,400,000.00 31,349.33 0.00 M8 0.00 7,360,000.00 36,781.60 0.00 M9 0.00 7,360,000.00 38,333.33 0.00 BIO 0.00 0.00 2,065,758.25 0.00 P 0.00 0.01 44,402.52 0.00 R 0.00 0.01 0.00 0.00 Totals 0.00 616,434,677.25 7,548,849.51 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.
Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) AV1 99,999,000.00 99,439,563.81 0.00 626,053.98 0.00 0.00 AV2-A 30,000,000.00 29,832,167.46 0.00 187,818.07 0.00 0.00 AV2-B 10,000,000.00 9,944,055.82 0.00 62,606.02 0.00 0.00 AF1 143,587,000.00 141,006,539.41 0.00 2,684,171.20 0.00 0.00 AF2 78,733,000.00 78,733,000.00 0.00 0.00 0.00 0.00 AF3 56,795,000.00 56,795,000.00 0.00 0.00 0.00 0.00 AF4 35,930,000.00 35,930,000.00 0.00 0.00 0.00 0.00 AF5 22,635,000.00 22,635,000.00 0.00 0.00 0.00 0.00 AF6 50,000,000.00 50,000,000.00 0.00 0.00 0.00 0.00 M1 19,200,000.00 19,200,000.00 0.00 0.00 0.00 0.00 M2 17,280,000.00 17,280,000.00 0.00 0.00 0.00 0.00 M3 9,920,000.00 9,920,000.00 0.00 0.00 0.00 0.00 M4 11,200,000.00 11,200,000.00 0.00 0.00 0.00 0.00 M5 8,000,000.00 8,000,000.00 0.00 0.00 0.00 0.00 M6 8,960,000.00 8,960,000.00 0.00 0.00 0.00 0.00 M7 6,400,000.00 6,400,000.00 0.00 0.00 0.00 0.00 M8 7,360,000.00 7,360,000.00 0.00 0.00 0.00 0.00 M9 7,360,000.00 7,360,000.00 0.00 0.00 0.00 0.00 BIO 0.00 0.00 0.00 0.00 0.00 0.00 P 0.01 0.01 0.00 0.00 0.00 0.00 R 0.01 0.01 0.00 0.00 0.00 0.00 Totals 623,359,000.02 619,995,326.52 0.00 3,560,649.27 0.00 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution AV1 626,053.98 98,813,509.83 0.98814498 626,053.98 AV2-A 187,818.07 29,644,349.39 0.98814498 187,818.07 AV2-B 62,606.02 9,881,449.80 0.98814498 62,606.02 AF1 2,684,171.20 138,322,368.21 0.96333490 2,684,171.20 AF2 0.00 78,733,000.00 1.00000000 0.00 AF3 0.00 56,795,000.00 1.00000000 0.00 AF4 0.00 35,930,000.00 1.00000000 0.00 AF5 0.00 22,635,000.00 1.00000000 0.00 AF6 0.00 50,000,000.00 1.00000000 0.00 M1 0.00 19,200,000.00 1.00000000 0.00 M2 0.00 17,280,000.00 1.00000000 0.00 M3 0.00 9,920,000.00 1.00000000 0.00 M4 0.00 11,200,000.00 1.00000000 0.00 M5 0.00 8,000,000.00 1.00000000 0.00 M6 0.00 8,960,000.00 1.00000000 0.00 M7 0.00 6,400,000.00 1.00000000 0.00 M8 0.00 7,360,000.00 1.00000000 0.00 M9 0.00 7,360,000.00 1.00000000 0.00 BIO 0.00 0.00 0.00000000 0.00 P 0.00 0.01 1.00000000 0.00 R 0.00 0.01 1.00000000 0.00 Totals 3,560,649.27 616,434,677.25 0.98889192 3,560,649.27
Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion AV1 99,999,000.00 994.40558216 0.00000000 6.26060241 0.00000000 AV2-A 30,000,000.00 994.40558200 0.00000000 6.26060233 0.00000000 AV2-B 10,000,000.00 994.40558200 0.00000000 6.26060200 0.00000000 AF1 143,587,000.00 982.02859179 0.00000000 18.69369233 0.00000000 AF2 78,733,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF3 56,795,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF4 35,930,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF5 22,635,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF6 50,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M1 19,200,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M2 17,280,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M3 9,920,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M4 11,200,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M5 8,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M6 8,960,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M7 6,400,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M8 7,360,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M9 7,360,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 0.01 0.00000000 0.00000000 0.00000000 0.00000000 R 0.01 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are Per $1000 Denomination
Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution AV1 0.00000000 6.26060241 988.14497975 0.98814498 6.26060241 AV2-A 0.00000000 6.26060233 988.14497967 0.98814498 6.26060233 AV2-B 0.00000000 6.26060200 988.14498000 0.98814498 6.26060200 AF1 0.00000000 18.69369233 963.33489947 0.96333490 18.69369233 AF2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M8 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M9 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 1.00000000 0.00000000 R 0.00000000 0.00000000 0.00000000 1.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall AV1 99,999,000.00 2.35250% 99,439,563.81 207,939.18 0.00 0.00 AV2-A 30,000,000.00 2.29250% 29,832,167.46 60,791.33 0.00 0.00 AV2-B 10,000,000.00 2.53250% 9,944,055.82 22,385.17 0.00 0.00 AF1 143,587,000.00 2.15250% 141,006,539.41 269,792.51 0.00 0.00 AF2 78,733,000.00 3.57400% 78,733,000.00 234,493.12 0.00 0.00 AF3 56,795,000.00 4.03300% 56,795,000.00 190,878.53 0.00 0.00 AF4 35,930,000.00 4.89300% 35,930,000.00 146,504.58 0.00 0.00 AF5 22,635,000.00 5.47200% 22,635,000.00 103,215.60 0.00 0.00 AF6 50,000,000.00 4.82400% 50,000,000.00 201,000.00 0.00 0.00 M1 19,200,000.00 5.15700% 19,200,000.00 82,512.00 0.00 0.00 M2 17,280,000.00 5.28400% 17,280,000.00 76,089.60 0.00 0.00 M3 9,920,000.00 5.38400% 9,920,000.00 44,507.73 0.00 0.00 M4 11,200,000.00 5.48100% 11,200,000.00 51,156.00 0.00 0.00 M5 8,000,000.00 5.63000% 8,000,000.00 37,533.33 0.00 0.00 M6 8,960,000.00 5.72900% 8,960,000.00 42,776.53 0.00 0.00 M7 6,400,000.00 5.87800% 6,400,000.00 31,349.33 0.00 0.00 M8 7,360,000.00 5.99700% 7,360,000.00 36,781.60 0.00 0.00 M9 7,360,000.00 6.25000% 7,360,000.00 38,333.33 0.00 0.00 BIO 0.00 0.00000% 636,635,304.35 0.00 0.00 0.00 P 0.01 0.00000% 0.01 0.00 0.00 0.00 R 0.01 0.00000% 0.01 0.00 0.00 0.00 Totals 623,359,000.02 1,878,039.47 0.00 0.00
Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance AV1 0.00 0.00 207,939.18 0.00 98,813,509.83 AV2-A 0.00 0.00 60,791.33 0.00 29,644,349.39 AV2-B 0.00 0.00 22,385.17 0.00 9,881,449.80 AF1 0.00 0.00 269,792.51 0.00 138,322,368.21 AF2 0.00 0.00 234,493.12 0.00 78,733,000.00 AF3 0.00 0.00 190,878.53 0.00 56,795,000.00 AF4 0.00 0.00 146,504.58 0.00 35,930,000.00 AF5 0.00 0.00 103,215.60 0.00 22,635,000.00 AF6 0.00 0.00 201,000.00 0.00 50,000,000.00 M1 0.00 0.00 82,512.00 0.00 19,200,000.00 M2 0.00 0.00 76,089.60 0.00 17,280,000.00 M3 0.00 0.00 44,507.73 0.00 9,920,000.00 M4 0.00 0.00 51,156.00 0.00 11,200,000.00 M5 0.00 0.00 37,533.33 0.00 8,000,000.00 M6 0.00 0.00 42,776.53 0.00 8,960,000.00 M7 0.00 0.00 31,349.33 0.00 6,400,000.00 M8 0.00 0.00 36,781.60 0.00 7,360,000.00 M9 0.00 0.00 38,333.33 0.00 7,360,000.00 BIO 0.00 0.00 2,065,758.25 0.00 633,074,655.08 P 0.00 0.00 44,402.52 0.00 0.01 R 0.00 0.00 0.00 0.00 0.01 Totals 0.00 0.00 3,988,200.24 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall AV1 99,999,000.00 2.35250% 994.40558216 2.07941259 0.00000000 0.00000000 AV2-A 30,000,000.00 2.29250% 994.40558200 2.02637767 0.00000000 0.00000000 AV2-B 10,000,000.00 2.53250% 994.40558200 2.23851700 0.00000000 0.00000000 AF1 143,587,000.00 2.15250% 982.02859179 1.87894802 0.00000000 0.00000000 AF2 78,733,000.00 3.57400% 1000.00000000 2.97833335 0.00000000 0.00000000 AF3 56,795,000.00 4.03300% 1000.00000000 3.36083335 0.00000000 0.00000000 AF4 35,930,000.00 4.89300% 1000.00000000 4.07750014 0.00000000 0.00000000 AF5 22,635,000.00 5.47200% 1000.00000000 4.56000000 0.00000000 0.00000000 AF6 50,000,000.00 4.82400% 1000.00000000 4.02000000 0.00000000 0.00000000 M1 19,200,000.00 5.15700% 1000.00000000 4.29750000 0.00000000 0.00000000 M2 17,280,000.00 5.28400% 1000.00000000 4.40333333 0.00000000 0.00000000 M3 9,920,000.00 5.38400% 1000.00000000 4.48666633 0.00000000 0.00000000 M4 11,200,000.00 5.48100% 1000.00000000 4.56750000 0.00000000 0.00000000 M5 8,000,000.00 5.63000% 1000.00000000 4.69166625 0.00000000 0.00000000 M6 8,960,000.00 5.72900% 1000.00000000 4.77416629 0.00000000 0.00000000 M7 6,400,000.00 5.87800% 1000.00000000 4.89833281 0.00000000 0.00000000 M8 7,360,000.00 5.99700% 1000.00000000 4.99750000 0.00000000 0.00000000 M9 7,360,000.00 6.25000% 1000.00000000 5.20833288 0.00000000 0.00000000 BIO 0.00 0.00000% 994.74398766 0.00000000 0.00000000 0.00000000 P 0.01 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R 0.01 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes are Per $1000 Denomination
Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance AV1 0.00000000 0.00000000 2.07941259 0.00000000 988.14497975 AV2-A 0.00000000 0.00000000 2.02637767 0.00000000 988.14497967 AV2-B 0.00000000 0.00000000 2.23851700 0.00000000 988.14498000 AF1 0.00000000 0.00000000 1.87894802 0.00000000 963.33489947 AF2 0.00000000 0.00000000 2.97833335 0.00000000 1000.00000000 AF3 0.00000000 0.00000000 3.36083335 0.00000000 1000.00000000 AF4 0.00000000 0.00000000 4.07750014 0.00000000 1000.00000000 AF5 0.00000000 0.00000000 4.56000000 0.00000000 1000.00000000 AF6 0.00000000 0.00000000 4.02000000 0.00000000 1000.00000000 M1 0.00000000 0.00000000 4.29750000 0.00000000 1000.00000000 M2 0.00000000 0.00000000 4.40333333 0.00000000 1000.00000000 M3 0.00000000 0.00000000 4.48666633 0.00000000 1000.00000000 M4 0.00000000 0.00000000 4.56750000 0.00000000 1000.00000000 M5 0.00000000 0.00000000 4.69166625 0.00000000 1000.00000000 M6 0.00000000 0.00000000 4.77416629 0.00000000 1000.00000000 M7 0.00000000 0.00000000 4.89833281 0.00000000 1000.00000000 M8 0.00000000 0.00000000 4.99750000 0.00000000 1000.00000000 M9 0.00000000 0.00000000 5.20833288 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 3.22775156 0.00000000 989.18046576 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 7,836,317.38 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 7,836,317.38 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 287,467.87 Payment of Interest and Principal 7,548,849.51 Total Withdrawals (Pool Distribution Amount) 7,836,317.38 Ending Balance 0.00
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
SERVICING FEES Gross Servicing Fee 265,264.71 Custodial Fee 2,652.65 FSA Fee 16,272.87 Tax Matters Fee 625.00 Trustee Fee 2,652.65 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 287,467.87
OTHER ACCOUNTS Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance Reserve Fund 5,000.00 0.00 0.00 5,000.00 Financial Guaranty 0.00 0.00 0.00 0.00
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 17 0 0 0 17 2,215,118.10 0.00 0.00 0.00 2,215,118.10 60 Days 1 0 1 0 2 171,478.41 0.00 320,723.10 0.00 492,201.51 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 18 0 1 0 19 2,386,596.51 0.00 320,723.10 0.00 2,707,319.61 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.405341% 0.000000% 0.000000% 0.000000% 0.405341% 0.349898% 0.000000% 0.000000% 0.000000% 0.349898% 60 Days 0.023844% 0.000000% 0.023844% 0.000000% 0.047687% 0.027087% 0.000000% 0.050661% 0.000000% 0.077748% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.429185% 0.000000% 0.023844% 0.000000% 0.453028% 0.376985% 0.000000% 0.050661% 0.000000% 0.427646%
Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 7 0 0 0 7 1,250,383.07 0.00 0.00 0.00 1,250,383.07 60 Days 1 0 0 0 1 171,478.41 0.00 0.00 0.00 171,478.41 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 8 0 0 0 8 1,421,861.48 0.00 0.00 0.00 1,421,861.48 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.788288% 0.000000% 0.000000% 0.000000% 0.788288% 0.903851% 0.000000% 0.000000% 0.000000% 0.903851% 60 Days 0.112613% 0.000000% 0.000000% 0.000000% 0.112613% 0.123955% 0.000000% 0.000000% 0.000000% 0.123955% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.900901% 0.000000% 0.000000% 0.000000% 0.900901% 1.027806% 0.000000% 0.000000% 0.000000% 1.027806% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 10 0 0 0 10 964,735.03 0.00 0.00 0.00 964,735.03 60 Days 0 0 1 0 1 0.00 0.00 320,723.10 0.00 320,723.10 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 10 0 1 0 11 964,735.03 0.00 320,723.10 0.00 1,285,458.13 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.302480% 0.000000% 0.000000% 0.000000% 0.302480% 0.195000% 0.000000% 0.000000% 0.000000% 0.195000% 60 Days 0.000000% 0.000000% 0.030248% 0.000000% 0.030248% 0.000000% 0.000000% 0.064827% 0.000000% 0.064827% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.302480% 0.000000% 0.030248% 0.000000% 0.332728% 0.195000% 0.000000% 0.064827% 0.000000% 0.259828%
OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 0.00
COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 7.975552% Weighted Average Net Coupon 7.475552% Weighted Average Pass-Through Rate 7.465552% Weighted Average Maturity(Stepdown Calculation ) 326 Beginning Scheduled Collateral Loan Count 4,218 Number Of Loans Paid In Full 24 Ending Scheduled Collateral Loan Count 4,194 Beginning Scheduled Collateral Balance 636,635,304.35 Ending Scheduled Collateral Balance 633,074,655.08 Ending Actual Collateral Balance at 31-Oct-2004 633,074,655.08 Monthly P &I Constant 4,938,443.08 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 707,178.00 Unscheduled Principal 2,853,471.27
Miscellaneous Reporting Delinquency Event NO Overcollateralization Amount 16,639,977.84 Extra Principal Paid as Principal 0.00 Cumulative Loss Event NO Subordination Deficiency 0.00 Required Overcollateralization Amount 16,639,977.84 Payments on Class AF-1 Interest Rate Cap 0.00
Group Level Collateral Statement Group 1 2 Total Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Mixed Fixed & Arm Weighted Average Coupon Rate 8.254510 7.897479 7.975552 Weighted Average Net Rate 7.754510 7.397479 7.475552 Weighted Average Maturity 356 319 326 Beginning Loan Count 894 3,324 4,218 Loans Paid In Full 6 18 24 Ending Loan Count 888 3,306 4,194 Beginning Scheduled Balance 139,216,004.81 497,419,299.54 636,635,304.35 Ending scheduled Balance 138,339,526.74 494,735,128.34 633,074,655.08 Record Date 10/31/2004 10/31/2004 10/31/2004 Principal And Interest Constant 1,052,413.23 3,886,029.85 4,938,443.08 Scheduled Principal 94,780.01 612,397.99 707,178.00 Unscheduled Principal 781,698.06 2,071,773.21 2,853,471.27 Scheduled Interest 957,633.22 3,273,631.86 4,231,265.08 Servicing Fees 58,006.67 207,258.04 265,264.71 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 1,160.13 4,145.16 5,305.29 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 0.00 0.00 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 898,466.42 3,062,228.66 3,960,695.08 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 7.744510 7.387479 7.465552
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