Homebanc 2005-3 Form 8-K With Monthly Remittance Report

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): October 25, 2005
HOMEBANC MORTGAGE TRUST

Mortgage-Backed Notes, Series 2005-3 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-121040-03

Pooling and Servicing Agreement) (Commission N/A
(State or other File Number) IRS EIN
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 October 25, 2005 a distribution was made to holders of HOMEBANC MORTGAGE TRUST, Mortgage-Backed Notes, Series 2005-3
Trust.
ITEM 9.01 Financial Statements and Exhibits
(c) Exhibits
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of
Mortgage-Backed Notes, Series 2005-3
Trust, relating to the October 25, 2005
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.
HOMEBANC MORTGAGE TRUST

Mortgage-Backed Notes, Series 2005-3 Trust
(Registrant)
By: Wells Fargo Bank, N.A. as Securities Administrator

By: /s/ Beth Belfield as Officer
By: Beth Belfield as Officer
Date: 11/1/2005
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of

Mortgage-Backed Notes, Series 2005-3 Trust, relating
to the October 25, 2005 distribution.
EX-99.1
HomeBanc Mortgage Trust
Mortgage-Backed Notes
Record Date: 9/30/2005

Distribution Date: 10/25/2005
HomeBanc Mortgage Trust

Mortgage-Backed Notes
Series 2005-3
Contact: Customer Service - CTSLink

Wells Fargo Bank, N.A.
Securities Administration Services
7485 New Horizon Way
Frederick, MD 21703
www.ctslink.com
Telephone: (301) 815-6600
Fax: (301) 815-6660
Certificateholder Distribution Summary
Certificate Certificate Beginning

Class Pass-Through Certificate Interest
Class CUSIP Description Rate Balance Distribution
A-1 43739EBJ5 SEN 4.07000% 785,330,099.86 2,574,791.99

A-2 43739EBK2 SEN 4.14000% 93,048,308.17 310,316.11
M-1 43739EBL0 MEZ 4.27000% 16,264,000.00 55,943.64
M-2 43739EBM8 MEZ 4.29000% 7,393,000.00 25,548.98
M-3 43739EBN6 MEZ 4.34000% 5,421,000.00 18,952.42
M-4 43739EBP1 MEZ 4.50000% 9,857,000.00 35,731.63
M-5 43739EBQ9 MEZ 5.06000% 10,350,000.00 42,187.75
B 43739EBR7 SUB 5.93000% 5,913,000.00 28,232.04
OC HBM0503OC OC 0.00000% 5,314,648.84 0.00
OT HBM0503OT OT 0.00000% 0.00 0.00
Totals 938,891,056.87 3,091,704.56

Certificateholder Distribution Summary (continued)
Current Ending Cumulative

Principal Realized Certificate Total Realized
Class Distribution Loss Balance Distribution Losses
A-1 16,194,342.59 0.00 769,135,757.27 18,769,134.58 0.00

A-2 1,918,755.16 0.00 91,129,553.01 2,229,071.27 0.00
M-1 0.00 0.00 16,264,000.00 55,943.64 0.00
M-2 0.00 0.00 7,393,000.00 25,548.98 0.00
M-3 0.00 0.00 5,421,000.00 18,952.42 0.00
M-4 0.00 0.00 9,857,000.00 35,731.63 0.00
M-5 0.00 0.00 10,350,000.00 42,187.75 0.00
B 0.00 0.00 5,913,000.00 28,232.04 0.00
OC 0.00 0.00 6,441,240.18 0.00 0.00
OT 0.00 0.00 0.00 0.00 0.00
Totals 18,113,097.75 0.00 921,904,550.46 21,204,802.31 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)
A-1 831,908,000.00 785,330,099.86 0.00 16,194,342.59 0.00 0.00

A-2 98,567,000.00 93,048,308.17 0.00 1,918,755.16 0.00 0.00
M-1 16,264,000.00 16,264,000.00 0.00 0.00 0.00 0.00
M-2 7,393,000.00 7,393,000.00 0.00 0.00 0.00 0.00
M-3 5,421,000.00 5,421,000.00 0.00 0.00 0.00 0.00
M-4 9,857,000.00 9,857,000.00 0.00 0.00 0.00 0.00
M-5 10,350,000.00 10,350,000.00 0.00 0.00 0.00 0.00
B 5,913,000.00 5,913,000.00 0.00 0.00 0.00 0.00
OC 426.69 5,314,648.84 0.00 0.00 0.00 0.00
OT 0.00 0.00 0.00 0.00 0.00 0.00
Totals 985,673,426.69 938,891,056.87 0.00 18,113,097.75 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
A-1 16,194,342.59 769,135,757.27 0.92454425 16,194,342.59

A-2 1,918,755.16 91,129,553.01 0.92454425 1,918,755.16
M-1 0.00 16,264,000.00 1.00000000 0.00
M-2 0.00 7,393,000.00 1.00000000 0.00
M-3 0.00 5,421,000.00 1.00000000 0.00
M-4 0.00 9,857,000.00 1.00000000 0.00
M-5 0.00 10,350,000.00 1.00000000 0.00
B 0.00 5,913,000.00 1.00000000 0.00
OC 0.00 6,441,240.18 15,095.83111861 0.00
OT 0.00 0.00 0.00000000 0.00
Totals 18,113,097.75 921,904,550.46 0.93530426 18,113,097.75
Principal Distribution Factors Statement
Original Beginning Scheduled Unscheduled

Face Certificate Principal Principal
Class (2) Amount Balance Distribution Distribution Accretion
A-1 831,908,000.00 944.01075583 0.00000000 19.46650662 0.00000000

A-2 98,567,000.00 944.01075583 0.00000000 19.46650664 0.00000000
M-1 16,264,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-2 7,393,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-3 5,421,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-4 9,857,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
M-5 10,350,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
B 5,913,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
OC 426.69 12455527.05711410 0.00000000 0.00000000 0.00000000
OT 0.00 0.00000000 0.00000000 0.00000000 0.00000000
Principal Distribution Factors Statement (continued)
Total Ending Ending Total

Realized Principal Certificate Certificate Principal
Class Loss (3) Reduction Balance Percentage Distribution
A-1 0.00000000 19.46650662 924.54424921 0.92454425 19.46650662

A-2 0.00000000 19.46650664 924.54424919 0.92454425 19.46650664
M-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
M-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
B 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
OC 0.00000000 0.00000000 15,095,831.11861070 15095.83111861 0.00000000
OT 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
(3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses
Unless Otherwise Disclosed.
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
A-1 831,908,000.00 4.07000% 785,330,099.86 2,574,791.99 0.00 0.00

A-2 98,567,000.00 4.14000% 93,048,308.17 310,316.11 0.00 0.00
M-1 16,264,000.00 4.27000% 16,264,000.00 55,943.64 0.00 0.00
M-2 7,393,000.00 4.29000% 7,393,000.00 25,548.98 0.00 0.00
M-3 5,421,000.00 4.34000% 5,421,000.00 18,952.42 0.00 0.00
M-4 9,857,000.00 4.50000% 9,857,000.00 35,731.63 0.00 0.00
M-5 10,350,000.00 5.06000% 10,350,000.00 42,187.75 0.00 0.00
B 5,913,000.00 5.93000% 5,913,000.00 28,246.07 0.00 0.00
OC 426.69 0.00000% 5,314,648.84 0.00 0.00 0.00
OT 0.00 0.00000% 0.00 0.00 0.00 0.00
Totals 985,673,426.69 3,091,718.59 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
A-1 0.00 0.00 2,574,791.99 0.00 769,135,757.27

A-2 0.00 0.00 310,316.11 0.00 91,129,553.01
M-1 0.00 0.00 55,943.64 0.00 16,264,000.00
M-2 0.00 0.00 25,548.98 0.00 7,393,000.00
M-3 0.00 0.00 18,952.42 0.00 5,421,000.00
M-4 0.00 0.00 35,731.63 0.00 9,857,000.00
M-5 0.00 0.00 42,187.75 0.00 10,350,000.00
B 0.00 0.00 28,232.04 0.00 5,913,000.00
OC 0.00 0.00 0.00 0.00 6,441,240.18
OT 0.00 0.00 0.00 0.00 0.00
Totals 0.00 0.00 3,091,704.56 0.00
(4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed.
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
A-1 831,908,000.00 4.07000% 944.01075583 3.09504415 0.00000000 0.00000000

A-2 98,567,000.00 4.14000% 944.01075583 3.14827589 0.00000000 0.00000000
M-1 16,264,000.00 4.27000% 1000.00000000 3.43972209 0.00000000 0.00000000
M-2 7,393,000.00 4.29000% 1000.00000000 3.45583390 0.00000000 0.00000000
M-3 5,421,000.00 4.34000% 1000.00000000 3.49611142 0.00000000 0.00000000
M-4 9,857,000.00 4.50000% 1000.00000000 3.62500051 0.00000000 0.00000000
M-5 10,350,000.00 5.06000% 1000.00000000 4.07611111 0.00000000 0.00000000
B 5,913,000.00 5.93000% 1000.00000000 4.77694402 0.00000000 0.00000000
OC 426.69 0.00000% 12455527.05711410 0.00000000 0.00000000 0.00000000
OT 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000
(5) Per $1 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
A-1 0.00000000 0.00000000 3.09504415 0.00000000 924.54424921

A-2 0.00000000 0.00000000 3.14827589 0.00000000 924.54424919
M-1 0.00000000 0.00000000 3.43972209 0.00000000 1000.00000000
M-2 0.00000000 0.00000000 3.45583390 0.00000000 1000.00000000
M-3 0.00000000 0.00000000 3.49611142 0.00000000 1000.00000000
M-4 0.00000000 0.00000000 3.62500051 0.00000000 1000.00000000
M-5 0.00000000 0.00000000 4.07611111 0.00000000 1000.00000000
B 0.00000000 0.00000000 4.77457128 0.00000000 1000.00000000
OC 0.00000000 0.00000000 0.00000000 0.00000000 15095831.11861070
OT 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 21,431,458.05
Liquidations, Insurance Proceeds, Reserve Funds 0.00
Proceeds from Repurchased Loans 0.00
Other Amounts (Servicer Advances) 8,661.97
Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00
Prepayment Penalties 0.00
Total Deposits 21,440,120.02
Withdrawals
Reimbursement for Servicer Advances 7,475.07
Payment of Service Fee 227,842.64
Payment of Interest and Principal 21,204,802.31
Total Withdrawals (Pool Distribution Amount) 21,440,120.02
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 207,199.57

Miscellaneous Fee 20,643.07
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 227,842.64
OTHER ACCOUNTS
Beginning Current Current Ending

Account Type Balance Withdrawals Deposits Balance
Reserve Fund 0.00 1,524.24 1,524.24 0.00
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT
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 1 0 0 1
148,300.00 0.00 0.00 148,300.00
30 Days 3 1 0 0 4
556,900.00 417,450.00 0.00 0.00 974,350.00
60 Days 2 0 0 0 2
105,600.00 0.00 0.00 0.00 105,600.00
90 Days 1 0 0 0 1
558,300.00 0.00 0.00 0.00 558,300.00
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 1 0 1
0.00 0.00 127,981.95 0.00 127,981.95
Totals 6 2 1 0 9
1,220,800.00 565,750.00 127,981.95 0.00 1,914,531.95
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 0.021901% 0.000000% 0.000000% 0.021901%
0.016086% 0.000000% 0.000000% 0.016086%
30 Days 0.065703% 0.021901% 0.000000% 0.000000% 0.087604%

0.060408% 0.045281% 0.000000% 0.000000% 0.105689%
60 Days 0.043802% 0.000000% 0.000000% 0.000000% 0.043802%

0.011455% 0.000000% 0.000000% 0.000000% 0.011455%
90 Days 0.021901% 0.000000% 0.000000% 0.000000% 0.021901%

0.060559% 0.000000% 0.000000% 0.000000% 0.060559%
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% 0.021901% 0.000000% 0.021901%

0.000000% 0.000000% 0.013882% 0.000000% 0.013882%
Totals 0.131406% 0.043802% 0.021901% 0.000000% 0.197109%

0.132422% 0.061368% 0.013882% 0.000000% 0.207671%
OTHER INFORMATION
Current Period Class A Insufficient Funds 0.00

Principal Balance of Contaminated Properties 0.00
Periodic Advance 8,661.97
REO Detail - All Mortgage Loans in REO during Current Period
Summary 12 Month REO History*

New REO Loans Month REO Percentage
Loans in REO 0 Nov-04 0.000%
Original Principal Balance 0.00 Dec-04 0.000%
Current Principal Balance 0.00 Jan-05 0.000%
Feb-05 0.000%
Current REO Total Mar-05 0.000%
Loans in REO 0 Apr-05 0.000%
Original Principal Balance 0.00 May-05 0.000%
Current Principal Balance 0.00 Jun-05 0.000%
Jul-05 0.000%
Aug-05 0.000%
Sep-05 0.000%
Oct-05 0.000%
*The text reported in the above table is presented graphically

on the monthly bond remittance report. The monthly bond
remittance report can be viewed online at www.ctslink.com.
REO Loan Detail - All Mortgage Loans in REO during Current Period
Month
Loan First Original
Loan Entered Payment LTV at Principal
Group Number REO Date State Origination Balance
No REO loans this period.
REO Loan Detail - All Mortgage Loans in REO during Current Period (continued)
Current Paid Current Approximate

Loan Principal To Months Loan Delinquent
Group Number Balance Date Delinquent Rate Interest
No REO loans this period.
Foreclosure Detail - All Mortgage Loans in Foreclosure during Current Period
Summary 12 Month Foreclosure History*

New Foreclosure Loans Month Foreclosure Percentage
Loans in Foreclosure 0 Nov-04 0.000%
Original Principal Balance 0.00 Dec-04 0.000%
Current Principal Balance 0.00 Jan-05 0.000%
Feb-05 0.000%
Current Foreclosure Total Mar-05 0.000%
Loans in Foreclosure 1 Apr-05 0.000%
Original Principal Balance 128,000.00 May-05 0.000%
Current Principal Balance 127,981.95 Jun-05 0.000%
Jul-05 0.000%
Aug-05 0.013%
Sep-05 0.014%
Oct-05 0.014%
*The text reported in the above table is presented graphically

on the monthly bond remittance report. The monthly bond
remittance report can be viewed online at www.ctslink.com.
Foreclosure Loan Detail - All Mortgage Loans in Foreclosure during Current Period
Month
Loan First Original
Loan Entered Payment LTV at Principal
Group Number FC Date State Origination Balance
Summary 0022339741 Aug-2005 01-Jun-2004 GA 0.00 128,000.00
Foreclosure Loan Detail - All Mortgage Loans in Foreclosure during Current Period (continued)
Current Paid Current Approximate

Loan Principal To Months Loan Delinquent
Group Number Balance Date Delinquent Rate Interest
Summary 0022339741 127,981.95 01-Feb-2005 6 5.500% 2,492.99
COLLATERAL STATEMENT
Collateral Description Mixed ARM
Weighted Average Gross Coupon 5.680677%
Weighted Average Net Coupon 5.415855%
Weighted Average Pass-Through Rate 5.389471%
Weighted Average Maturity(Stepdown Calculation) 345
Beginning Scheduled Collateral Loan Count 4,646

Number Of Loans Paid In Full 80
Ending Scheduled Collateral Loan Count 4,566
Beginning Scheduled Collateral Balance 938,891,056.87

Ending Scheduled Collateral Balance 921,904,550.46
Ending Actual Collateral Balance at 30-Sep-2005 921,904,550.46
Monthly P&I Constant 4,445,758.87

Special Servicing Fee 0.00
Prepayment Penalties 0.00
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Scheduled Principal 1,144.52

Unscheduled Principal 16,985,361.89
Required Overcollateralization Amount 0.00

Overcollateralized Increase Amount 1,126,591.34
Overcollateralized reduction Amount 0.00
Specified O/C Amount 6,899,713.99
Overcollateralized Amount 6,441,240.18
Overcollateralized Deficiency Amount 458,473.81
Base Overcollateralized Amount 0.00
Extra principal distribution Amount 1,126,591.34
Excess Cash Amount 1,126,591.34
Miscellaneous Reporting
Libor Rate 3.830000%
Prepayment Detail - Prepayments during Current Period
Summary Loans Paid In Full Repurchased Loans
Original Current Original Current

Principal Principal Principal Principal
Group Count Balance Balance Count Balance Balance
Total 80 16,890,500.00 16,198,976.96 0 0.00 0.00
Prepayment Detail - Prepayments during Current Period (continued)
Summary Substitution Loans Liquidated Loans Curtailments
Original Current Original Current

Principal Principal Principal Principal Curtailment
Group Count Balance Balance Count Balance Balance Amount
Total 0 0.00 0.00 0 0.00 0.00 787,530.23
Prepayment Loan Detail - Prepayments during Current Period
First Original
Loan LTV at Payment Principal Prepayment
Group Number State Origination Date Balance Amount
Summary 0021397377 FL 0.00 01-Jun-2005 125,000.00 125,000.00
Summary 0022423966 FL 0.00 01-May-2005 48,000.00 47,950.00
Summary 0022545123 FL 0.00 01-Jan-2005 151,100.00 150,800.00
Summary 0022556393 FL 0.00 01-Jun-2005 174,600.00 174,600.00
Summary 0022591077 FL 0.00 01-Mar-2005 600,450.00 600,450.00
Summary 0022607600 FL 0.00 01-Feb-2005 292,500.00 292,500.00
Summary 0022612998 FL 0.00 01-Apr-2005 210,400.00 210,400.00
Summary 0022620280 FL 0.00 01-Apr-2005 187,200.00 187,200.00
Summary 0022620694 FL 0.00 01-Mar-2005 488,350.00 487,767.30
Summary 0022630412 GA 0.00 01-Apr-2005 178,800.00 178,800.00
Summary 0022631279 FL 0.00 01-Mar-2005 138,300.00 138,300.00
Summary 0022631931 FL 0.00 01-May-2005 537,600.00 300,000.00
Summary 0022632996 GA 0.00 01-Mar-2005 265,300.00 265,177.52
Summary 0022643043 FL 0.00 01-Mar-2005 509,900.00 509,900.00
Summary 0022643324 FL 0.00 01-Apr-2005 217,800.00 217,800.00
Summary 0022649230 FL 0.00 01-Jun-2005 25,650.00 25,650.00
Summary 0022649388 FL 0.00 01-Apr-2005 146,300.00 146,300.00
Summary 0022653075 GA 0.00 01-Apr-2005 190,800.00 190,730.29
Summary 0022656706 FL 0.00 01-Apr-2005 360,000.00 360,000.00
Summary 0022657266 GA 0.00 01-May-2005 86,800.00 86,800.00
Summary 0022658058 FL 0.00 01-May-2005 268,000.00 268,000.00
Summary 0022658066 FL 0.00 01-May-2005 67,000.00 67,000.00
Summary 0022658868 FL 0.00 01-Apr-2005 216,000.00 210,000.00
Summary 0022663439 FL 0.00 01-Apr-2005 331,850.00 331,850.00
Summary 0022666747 FL 0.00 01-May-2005 178,450.00 178,450.00
Summary 0022668834 FL 0.00 01-Apr-2005 382,500.00 382,500.00
Summary 0022668842 FL 0.00 01-Apr-2005 89,500.00 89,500.00
Summary 0022669550 FL 0.00 01-Apr-2005 200,000.00 200,000.00
Summary 0022670210 GA 0.00 01-May-2005 320,000.00 320,000.00
Summary 0022670228 GA 0.00 01-May-2005 80,000.00 80,000.00
Summary 0022671085 FL 0.00 01-Jun-2005 268,000.00 268,000.00
Summary 0022671093 FL 0.00 01-Jun-2005 67,000.00 67,000.00
Summary 0022671598 GA 0.00 01-May-2005 278,050.00 277,374.22
Summary 0022672901 FL 0.00 01-Jun-2005 199,900.00 199,900.00
Summary 0022673214 FL 0.00 01-May-2005 71,200.00 71,200.00
Summary 0022673669 FL 0.00 01-May-2005 180,000.00 180,000.00
Summary 0022673768 FL 0.00 01-Jun-2005 173,900.00 173,900.00
Summary 0022673784 FL 0.00 01-Jun-2005 43,450.00 43,450.00
Summary 0022674956 FL 0.00 01-May-2005 34,800.00 34,798.12
Summary 0022675938 FL 0.00 01-May-2005 65,000.00 65,000.00
Summary 0022676399 FL 0.00 01-Jun-2005 132,650.00 132,650.00
Summary 0022676829 FL 0.00 01-May-2005 104,000.00 104,000.00
Summary 0022679112 FL 0.00 01-Jun-2005 207,000.00 207,000.00
Summary 0022680862 FL 0.00 01-May-2005 320,000.00 319,713.65
Summary 0022682819 FL 0.00 01-May-2005 320,000.00 320,000.00
Summary 0022683809 GA 0.00 01-May-2005 120,000.00 120,000.00
Summary 0022684013 NC 0.00 01-May-2005 50,500.00 (1,143.88)
Summary 0022685192 FL 0.00 01-May-2005 263,000.00 263,000.00
Summary 0022685275 FL 0.00 01-Jun-2005 148,000.00 147,999.05
Summary 0022690515 FL 0.00 01-May-2005 249,600.00 249,600.00
Summary 0022692388 FL 0.00 01-May-2005 172,000.00 171,910.42
Summary 0022706840 FL 0.00 01-Jun-2005 204,800.00 204,800.00
Summary 0022707103 FL 0.00 01-Jun-2005 220,000.00 220,000.00
Summary 0022709570 FL 0.00 01-Jun-2005 127,400.00 127,400.00
Summary 0022709612 GA 0.00 01-Jun-2005 125,000.00 125,000.00
Summary 0022710388 GA 0.00 01-Jun-2005 84,600.00 84,600.00
Summary 0022712939 GA 0.00 01-Jun-2005 34,900.00 34,900.00
Summary 0022718985 GA 0.00 01-Jun-2005 200,000.00 198,866.45
Summary 0022721443 GA 0.00 01-Jun-2005 35,000.00 35,000.00
Summary 0022722557 FL 0.00 01-Jun-2005 266,450.00 266,450.00
Summary 0022723175 FL 0.00 01-Jun-2005 51,200.00 51,200.00
Summary 0022724058 GA 0.00 01-Jun-2005 200,000.00 196,000.00
Summary 0022726905 FL 0.00 01-Jun-2005 258,750.00 258,750.00
Summary 0024003782 FL 0.00 01-Apr-2005 200,000.00 200,000.00
Summary 0024005555 FL 0.00 01-Apr-2005 467,400.00 466,386.19
Summary 0024006637 FL 0.00 01-Mar-2005 218,050.00 218,050.00
Summary 0024009953 FL 0.00 01-May-2005 175,000.00 173,895.39
Summary 0024011496 FL 0.00 01-Apr-2005 256,000.00 256,000.00
Summary 0024012031 FL 0.00 01-Apr-2005 376,000.00 376,000.00
Summary 0024012478 GA 0.00 01-Apr-2005 567,200.00 567,200.00
Summary 0024014342 FL 0.00 01-Apr-2005 157,200.00 157,200.00
Summary 0024015307 GA 0.00 01-Apr-2005 749,350.00 362,384.70
Summary 0024015893 FL 0.00 01-Apr-2005 122,000.00 122,000.00
Summary 0024018228 GA 0.00 01-May-2005 46,100.00 46,072.25
Summary 0024019374 GA 0.00 01-Apr-2005 210,400.00 210,400.00
Summary 0024020190 FL 0.00 01-Jun-2005 140,300.00 140,300.00
Summary 0024028136 GA 0.00 01-May-2005 127,200.00 126,200.00
Summary 0024030454 FL 0.00 01-May-2005 15,350.00 15,350.00
Summary 0024030702 FL 0.00 01-Jun-2005 192,650.00 192,649.99
Summary 0024040768 FL 0.00 01-Jun-2005 526,000.00 526,000.00
Prepayment Loan Detail - Prepayments during Current Period (continued)
Current
Loan PIF Months Loan Original
Group Number Type Delinquent Rate Term Seasoning
Summary 0021397377 Loan Paid in Full 0 5.500% 360 4
Summary 0022612998 Loan Paid in Full (1) 6.125% 360 6
Prepayment - Voluntary Prepayments
Summary
SMM CPR PSA
Current Month 1.809% Current Month 19.674% Current Month 1,871.285%
3 Month Average 1.526% 3 Month Average 16.825% 3 Month Average 2,009.315%
12 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000%
CPR: Current vs 12mo Average* PSA: Current vs 12mo Average*

Month Current 12mo Avg. Month Current 12mo Avg.
Nov-2004 N/A N/A Nov-2004 N/A N/A

Dec-2004 N/A N/A Dec-2004 N/A N/A
Jan-2005 N/A N/A Jan-2005 N/A N/A
Feb-2005 N/A N/A Feb-2005 N/A N/A
Mar-2005 N/A N/A Mar-2005 N/A N/A
Apr-2005 N/A N/A Apr-2005 N/A N/A
May-2005 N/A N/A May-2005 N/A N/A
Jun-2005 9.520% N/A Jun-2005 3,769.870% N/A
Jul-2005 13.837% N/A Jul-2005 3,069.004% N/A
Aug-2005 14.973% N/A Aug-2005 2,298.856% N/A
Sep-2005 15.829% N/A Sep-2005 1,857.805% N/A
Oct-2005 19.674% N/A Oct-2005 1,871.285% N/A
*The text reported in the above table is presented *The text reported in the above table is presented
graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The
monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at
www.ctslink.com. www.ctslink.com.
Calculation Methodology:
Single Month Mortality (SMM): (Partial and full prepayments + Repurchases) / (Beginning Scheduled Balance - Scheduled
Principal)
Conditional PrePayment Rate (CPR): 1 - ((1 - SMM)^12)
PSA Standard Prepayment Model: 100 * CPR / (0.2 * MIN(30,WAS))
Weighted Average Seasoning (WAS): sum((Original Term - Remaining Term)*(Current Scheduled Balance/Deal Scheduled Principal
Balance))
Realized Loss Detail Report - Loans with Losses during Current Period
Summary
# Loans Prior Realized Current
with Principal Loss/(Gain) Loss
Group Losses Balance Amount Percentage
Total 0 0.00 0.00 0.000%
Realized Loss Loan Detail Report - Loans With Losses during Current Period
Original Current
Loan Principal Note LTV at Original
Group Number Balance Rate State Origination Term
No losses this period.
Realized Loss Loan Detail Report - Loans With Losses during Current Period (continued)
Prior Cumulative
Loan Principal Realized Realized
Group Number Balance Loss/(Gain) Loss/(Gain)
No losses this period.
Realized Loss Report - Collateral
Summary
MDR SDA
Current Month 0.000% Current Month 0.000%
3 Month Average 0.000% 3 Month Average 0.000%
MDR: Current vs 12mo Average* SDA: Current vs 12mo Average*


Jun-2005 0.000% N/A Jun-2005 0.000% N/A
Jul-2005 0.000% N/A Jul-2005 0.000% N/A
Aug-2005 0.000% N/A Aug-2005 0.000% N/A
Sep-2005 0.000% N/A Sep-2005 0.000% N/A
Oct-2005 0.000% N/A Oct-2005 0.000% N/A
CDR Loss Severity Approximation

Current Month 0.000% Current Month 0.000%
CDR: Current vs 12mo Average* Loss Severity: Current vs 12mo Average*


Jun-2005 0.000% N/A Jun-2005 0.000% N/A
Jul-2005 0.000% N/A Jul-2005 0.000% N/A
Aug-2005 0.000% N/A Aug-2005 0.000% N/A
Sep-2005 0.000% N/A Sep-2005 0.000% N/A
Oct-2005 0.000% N/A Oct-2005 0.000% N/A
Calculation Methodology:
Monthly Default Rate (MDR): sum(Beg Principal Balance of Liquidated Loans)/ sum(Beg Principal Balance).
Conditional Default Rate (CDR): 1-((1-MDR)^12)
SDA Standard Default Assumption: If WAS is less than or equal to 30 then CDR/(WAS*0.02) else if WAS is greater than 30 and
less than or equal to 60 then CDR/0.6 else if WAS is greater than 60 and less than or equal to 120 then CDR/(0.6 -
((WAS-60)*0.0095)) else if WAS is greater than 120 then CDR/0.03
Loss Severity Approximation for current period: sum(Realized Loss Amount)/sum(Beg Principal Balance of Liquidated Loans)

Homebanc 2005-3 Form 8-K With Monthly Remittance Report

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Homebanc 2005-3 Form 8-K With Monthly Remittance Report

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Date of Report (Date of earliest event reported): October 25, 2005

HOMEBANC MORTGAGE TRUST

New York (governing law of 333-121040-03

c/o Wells Fargo Bank, N.A.

Registrant's telephone number, including area code: (410) 884-2000

(Former name or former address, if changed since last report)

[ ] 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)

ITEM 8.01 Other Events

ITEM 9.01 Financial Statements and Exhibits

HOMEBANC MORTGAGE TRUST

By: Wells Fargo Bank, N.A. as Securities Administrator

EX-99.1 Monthly report distributed to holders of

Record Date: 9/30/2005

HomeBanc Mortgage Trust

Contact: Customer Service - CTSLink

Certificateholder Distribution Summary

Certificate Certificate Beginning

A-1 43739EBJ5 SEN 4.07000% 785,330,099.86 2,574,791.99

Totals 938,891,056.87 3,091,704.56

Current Ending Cumulative

A-1 16,194,342.59 0.00 769,135,757.27 18,769,134.58 0.00

Totals 18,113,097.75 0.00 921,904,550.46 21,204,802.31 0.00

Principal Distribution Statement

Original Beginning Scheduled Unscheduled

A-1 831,908,000.00 785,330,099.86 0.00 16,194,342.59 0.00 0.00

Totals 985,673,426.69 938,891,056.87 0.00 18,113,097.75 0.00 0.00

Principal Distribution Statement (continued)

Total Ending Ending Total

A-1 16,194,342.59 769,135,757.27 0.92454425 16,194,342.59

Totals 18,113,097.75 921,904,550.46 0.93530426 18,113,097.75

Principal Distribution Factors Statement

Original Beginning Scheduled Unscheduled

A-1 831,908,000.00 944.01075583 0.00000000 19.46650662 0.00000000

Principal Distribution Factors Statement (continued)

Total Ending Ending Total

A-1 0.00000000 19.46650662 924.54424921 0.92454425 19.46650662

Interest Distribution Statement

A-1 831,908,000.00 4.07000% 785,330,099.86 2,574,791.99 0.00 0.00

Totals 985,673,426.69 3,091,718.59 0.00 0.00

Interest Distribution Statement (continued)

A-1 0.00 0.00 2,574,791.99 0.00 769,135,757.27

Totals 0.00 0.00 3,091,704.56 0.00

Interest Distribution Factors Statement

A-1 831,908,000.00 4.07000% 944.01075583 3.09504415 0.00000000 0.00000000

(5) Per $1 denomination.

Interest Distribution Factors Statement (continued)

A-1 0.00000000 0.00000000 3.09504415 0.00000000 924.54424921

CERTIFICATEHOLDER ACCOUNT STATEMENT

Beginning Balance 0.00

Total Deposits 21,440,120.02

Total Withdrawals (Pool Distribution Amount) 21,440,120.02

Ending Balance 0.00

PREPAYMENT/CURTAILMENT INTEREST SHORTFALL

Non-Supported Prepayment/Curtailment Interest Shortfall 0.00

Gross Servicing Fee 207,199.57

Net Servicing Fee 227,842.64

Beginning Current Current Ending

Reserve Fund 0.00 1,524.24 1,524.24 0.00

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT