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 - July 23, 2004
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(Date of Earliest Event Reported)
EQUITY ONE ABS, INC.
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(as depositor under a certain Pooling and Servicing Agreement dated as of
June 30, 2004, providing for the issuance of
Mortgage Pass-Through Certificates, Series 2004-3)
(Exact Name of Registrant as specified in its charter)
Delaware 333-104580-05 52-2029487
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(State of Incorporation) (Commission File No.) (IRS Employer I.D. No.)
103 Springer Building, 3411 Silverside Road, Wilmington, Delaware 19803
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(Address of principal executive offices)
Registrant's telephone number, including area code: (302) 478-6160
Item 5. Other Events.
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In connection with the issuance of its Mortgage Pass-Through Certificates,
Series 2004-3, on July 23, 2004, Equity One ABS, Inc. entered into a Pooling and
Servicing Agreement dated as of June 30, 2004 (the "Pooling and Servicing
Agreement"), by and among Equity One ABS, Inc., a Delaware corporation, as
depositor ("ABS"), Equity One, Inc., a Delaware corporation, as a seller and as
servicer, Equity One, Incorporated, a Pennsylvania corporation, as seller,
Popular Financial Services, LLC, a Delaware limited liability company, as
seller, and JPMorgan Chase Bank, a New York banking corporation, as trustee. The
Pooling and Servicing Agreement is annexed hereto as Exhibit 99.1.
In connection with the issuance of its Mortgage Pass-Through Certificates,
Series 2004-3, on July 20, 2004, Equity One ABS, Inc. entered into an
Underwriting Agreement dated as of July 20, 2004 (the "Underwriting Agreement"),
by and among ABS, Wachovia Capital Markets, LLC, a Delaware limited liability
company, Greenwich Capital Markets, Inc., a Delaware corporation, and Friedman,
Billings, Ramsey & Co., Inc., a Virginia corporation. The Underwriting Agreement
is annexed hereto as Exhibit 99.2.
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
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(a) Not applicable.
(b) Not applicable.
(c) Exhibits:
99.1 Pooling and Servicing Agreement dated as of June 30, 2004
99.2 Underwriting Agreement dated as of July 20, 2004
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* Capitalized terms used and not otherwise defined herein shall have the
meanings assigned to them in the prospectus dated April 29, 2004 and prospectus
supplement dated July 20, 2004, of Equity One ABS, Inc., relating to its
Mortgage Pass-Through Certificates, Series 2004-3.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant duly caused this report to be signed on its behalf by the undersigned
hereunto duly authorized.
EQUITY ONE ABS, INC.
By: /s/ James H. Jenkins
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James H. Jenkins
Executive Vice President and CFO
Dated: July 28, 2004
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Exhibit Index
Exhibit
99.1 Pooling and Servicing Agreement dated as of June 30, 2004
99.2 Underwriting Agreement dated as of July 20, 2004
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