Exhibit Index

Exhibit

4.1

Pooling and Servicing Agreement

EXHIBIT 4.1

MCKEE NELSON LLP
5 Times Square, 35th Floor
New York, New York  10036
Telephone:  (212) 777-4200
Facsimile:  (212) 777-4299

October 5, 2004

BY MODEM

Securities and Exchange Commission
Judiciary Plaza
450 Fifth Street, N.W.
Washington, D.C. 20549

Re:

Centex Home Equity Loan Trust 2004-D

Centex Home Loan Asset-Backed Certificates, Series 2004-D

Ladies and Gentlemen:

On behalf of CHEC Funding, LLC (the “Company”), we enclose herewith for filing, pursuant to the Securities and Exchange Act of 1934, as amended, the Company’s Current Report on Form 8-K, for filing of the Pooling and Servicing Agreement in connection with the above-referenced transaction.

Very truly yours,

/s/ Paul Cuccurullo

Paul Cuccurullo

Enclosure