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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SECURITIES AND
EXCHANGE COMMISSION </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>WASHINGTON, D.C. 20549 </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FORM 8-K </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>CURRENT REPORT </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>PURSUANT TO SECTION 13
OR 15(d) OF THE </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SECURITIES EXCHANGE
ACT OF 1934 </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Date
of Report (Date of earliest event reported)</B> March 1, 2005 </FONT></H1>

RESIDENTIAL  ACCREDIT  LOANS,  INC. (as company  under a Pooling and Servicing  Agreement  dated as of March 1,
2005  providing  for,  inter alia,  the issuance of Mortgage  Asset-Backed  Pass-Through  Certificates,  Series
2005-QS3)

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;RESIDENTIAL
ACCREDIT LOANS, INC.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </U></FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(Exact name of
registrant as specified in its charter) </FONT></H1>









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     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">DELAWARE</FONT><HR WIDTH=95% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">333-107959- 29</FONT><HR WIDTH=95% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">51-0368240</FONT><HR WIDTH=95% SIZE=1 COLOR=BLACK NOSHADE></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="34%"align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">(STATE OR OTHER JURISDICTION<BR>
&nbsp;&nbsp;&nbsp;&nbsp;OF INCORPORATION)
</FONT></TD>
     <TD WIDTH="33%" align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">(COMMISSION)<BR>
FILE NUMBER)
</FONT></TD>
     <TD WIDTH="33%" align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;(I.R.S. EMPLOYER<BR>
IDENTIFICATION NO.)
</FONT></TD></TR>
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     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
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<P ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8400
Normandale Lake Blvd., Suite 250, Minneapolis, MN &nbsp;&nbsp;
55437&nbsp;&nbsp;&nbsp;&nbsp;</I></FONT></P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(Address of principal
executive offices) &nbsp;&nbsp; (Zip code) </FONT></H1>

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<P ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Registrant&#146;s
telephone number, including area code (952) 857-7000 </FONT></P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(Former name or former
address, if changed since last report) </FONT></H1>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exhibit Index located
on Page 2 </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>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 . </FONT></P>

[  ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<BR>

[  ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b))<BR>

[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<BR>

[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)<BR>
<BR><BR><BR>
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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 8. <U>Other Events</U>. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>On March 30, 2005, Residential
Accredit Loans, Inc. caused the issuance and sale of the Mortgage Asset-Backed
Pass-Through Certificates, Series 2005-QS3, pursuant to a Series Supplement, dated as of
March 1, 2005, and the Standard Terms of Pooling and Servicing Agreement, dated as of
August 1, 2004, among Residential Accredit Loans, Inc., as company, Residential Funding
Corporation, as master servicer, and Deutsche Bank Trust Company Americas, as trustee. The
mortgage loans were sold to Residential Accredit Loans, Inc. pursuant to an Assignment and
Assumption Agreement, dated as of March 30, 2005, between Residential Funding Corporation
and Residential Accredit Loans, Inc. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 9. <U>Financial Statements, Pro
Forma Financial Information and Exhibits</U>. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          Not applicable </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          Not applicable </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          Exhibits (executed copies): The following execution copies of Exhibits to the
          Form S-3 Registration Statement of the Registrant are hereby filed: </FONT></P>







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     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Exhibit<BR>
Number</FONT><HR WIDTH=95% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Sequentially<BR>
Numbered<BR>
Exhibit Page</FONT><HR WIDTH=95% SIZE=1 COLOR=BLACK NOSHADE></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="10%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1
</FONT></TD>
     <TD WIDTH="90%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Series Supplement, dated as of March 1, 2005, and the Standard Terms of Pooling and Servicing<BR>
Agreement, dated as of August 1, 2004, among Residential Accredit Loans, Inc., as company, Residential<BR>
Funding Corporation, as master servicer, and Deutsche Bank Trust Company Americas, as trustee.
</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Assignment and Assumption Agreement, dated as of March 30, 2005, between Residential Funding<BR>
Corporation and Residential Accredit Loans, Inc.
</FONT></TD></TR>
</TABLE>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURES </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 thereunto duly authorized. </FONT></P>











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     <TD WIDTH="30%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD WIDTH="70%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">RESIDENTIAL ACCREDIT LOANS, INC.<BR>
<BR>
<BR>
By:     /s/ Heather Anderson    <BR>
Name:   Heather Anderson<BR>
Title:  Vice President
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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Dated: March 30, 2005 </FONT></P>


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<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exhibit 10.1 </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Series Supplement, dated as of March
1, 2005, and the Standard Terms of Pooling and Servicing Agreement, dated as of August 1,
2004, among Residential Accredit Loans, Inc., as company, Residential Funding Corporation,
as master servicer, and Deutsche Bank Trust Company Americas, as trustee. </FONT></P>

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<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exhibit 10.2 </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Assignment and Assumption Agreement,
dated as of March 30, 2005, between Residential Funding Corporation and Residential
Accredit Loans, Inc. </FONT></P>
</BODY>
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{"company-data": {"conformed-name": "RALI Series 2005-QS3 Trust", "cik": "0001322018", "assigned-sic": "6189", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-107959-29", "film-number": "05747785"}, "business-address": {"street1": "8400 NORMADALE LAKE BLVD", "street2": "STE 600", "city": "MINNEAPOLIS", "state": "MN", "zip": "55437", "phone": "952-857-7000"}, "mail-address": {"street1": "8400 NORMANDALE LAKE BLVD", "city": "MINNEAPOLIS", "state": "MN", "zip": "55437"}}
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)
March 1, 2005
RESIDENTIAL  ACCREDIT  LOANS,  INC. (as company  under a Pooling and Servicing  Agreement  dated as of March 1,
2005  providing  for,  inter alia,  the issuance of Mortgage  Asset-Backed  Pass-Through  Certificates,  Series
2005-QS3)
RESIDENTIAL
ACCREDIT LOANS, INC.
(Exact name of
registrant as specified in its charter)
DELAWARE
333-107959- 29
51-0368240
(STATE OR OTHER JURISDICTION
OF INCORPORATION)
(COMMISSION)
FILE NUMBER)
(I.R.S. EMPLOYER
IDENTIFICATION NO.)
8400
Normandale Lake Blvd., Suite 250, Minneapolis, MN   
55437
(Address of principal
executive offices)    (Zip code)
Registrant's
telephone number, including area code (952) 857-7000
(Former name or former
address, if changed since last report)
Exhibit Index located
on Page 2
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 .
[  ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[  ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b))
[  ] 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.
Other Events
.
On March 30, 2005, Residential
Accredit Loans, Inc. caused the issuance and sale of the Mortgage Asset-Backed
Pass-Through Certificates, Series 2005-QS3, pursuant to a Series Supplement, dated as of
March 1, 2005, and the Standard Terms of Pooling and Servicing Agreement, dated as of
August 1, 2004, among Residential Accredit Loans, Inc., as company, Residential Funding
Corporation, as master servicer, and Deutsche Bank Trust Company Americas, as trustee. The
mortgage loans were sold to Residential Accredit Loans, Inc. pursuant to an Assignment and
Assumption Agreement, dated as of March 30, 2005, between Residential Funding Corporation
and Residential Accredit Loans, Inc.
Item 9.
Financial Statements, Pro
Forma Financial Information and Exhibits
.
(a)       
          Not applicable
(b)       
          Not applicable
(c)       
          Exhibits (executed copies): The following execution copies of Exhibits to the
          Form S-3 Registration Statement of the Registrant are hereby filed:
Exhibit
Number
Sequentially
Numbered
Exhibit Page
10.1
Series Supplement, dated as of March 1, 2005, and the Standard Terms of Pooling and Servicing
Agreement, dated as of August 1, 2004, among Residential Accredit Loans, Inc., as company, Residential
Funding Corporation, as master servicer, and Deutsche Bank Trust Company Americas, as trustee.
10.2
Assignment and Assumption Agreement, dated as of March 30, 2005, between Residential Funding
Corporation and Residential Accredit Loans, Inc.
SIGNATURES
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 thereunto duly authorized.
RESIDENTIAL ACCREDIT LOANS, INC.
By:     /s/ Heather Anderson
Name:   Heather Anderson
Title:  Vice President
Dated: March 30, 2005
Exhibit 10.1
Series Supplement, dated as of March
1, 2005, and the Standard Terms of Pooling and Servicing Agreement, dated as of August 1,
2004, among Residential Accredit Loans, Inc., as company, Residential Funding Corporation,
as master servicer, and Deutsche Bank Trust Company Americas, as trustee.
Exhibit 10.2
Assignment and Assumption Agreement,
dated as of March 30, 2005, between Residential Funding Corporation and Residential
Accredit Loans, Inc.