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<BODY><H4 align=center>SECURITIES AND EXCHANGE COMMISSION </H4>

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<H4 align=center>WASHINGTON, D.C. 20549 </H4>

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<H4 align=center>FORM 8-K </H4>

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<H4 align=center>CURRENT REPORT </H4>

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<H4 align=center>PURSUANT TO SECTION 13 OR 15(d) OF THE </H4>

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<H4 align=center>SECURITIES EXCHANGE ACT OF 1934 </H4>

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<P 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> <B>February 1, 2005 </B></FONT></P>

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<P><FONT face="Times New Roman, Times, Serif" size=2>RESIDENTIAL ACCREDIT LOANS, INC. (as company under a Pooling and Servicing Agreement dated as of February 1, 2005 providing for, inter alia, the issuance of Mortgage Asset-Backed Pass-Through Certificates, Series 2005-QA2) </FONT></P>

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<H4 align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential Accredit Loans, Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </H4>

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<H4 align=center>(Exact name of registrant as specified in its charter) </H4>

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<TH><FONT face="Times New Roman, Times, Serif" size=2>DELAWARE</FONT>
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<TH><FONT face="Times New Roman, Times, Serif" size=2>333-107959-27</FONT>
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<TH><FONT face="Times New Roman, Times, Serif" size=2>51-0368240</FONT>
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<TD width="34%"><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%"><FONT face="Times New Roman, Times, Serif" size=2>(Commission)<BR>file number) </FONT></TD>
<TD width="33%"><FONT face="Times New Roman, Times, Serif" size=2>&nbsp;(I.R.S. employer<BR>identification no.) </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><U>(Address of principal executive offices) &nbsp;&nbsp; (Zip code)</U> </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><U>(Former name or former address, if changed since last report</U>) </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>













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[  ]<BR>
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     <TD WIDTH="95%"><FONT face="Times New Roman, Times, Serif" size=2>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) <BR>
<BR>
Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b)) <BR>
<BR>
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) <BR>
<BR>
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
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<P><FONT face="Times New Roman, Times, Serif" size=2>Item 8         Other Events.</font></P>

<P><FONT face="Times New Roman, Times, Serif" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On February 28, 2005, Residential Accredit Loans, Inc. caused the issuance and sale of the Mortgage
Asset-Backed Pass-Through Certificates, Series 2005-QA2, pursuant to a Series Supplement, dated as of
February 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><BR><BR>

<P><FONT face="Times New Roman, Times, Serif" size=2>Item 9    Financial Statements, Pro Forma Financial Information and Exhibits.
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               <P><FONT face="Times New Roman, Times, Serif" size=2>(a)    Not applicable <BR>

               (b)    Not applicable <BR>

               (c)    Exhibits  (executed  copies):  <BR><BR>
</font></P>
<P><FONT face="Times New Roman, Times, Serif" size=2>The  following  execution  copies of  Exhibits to the Form
S-3 Registration Statement of the Registrant are hereby filed:
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     <TD WIDTH="10%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Exhibit<BR>
Number <BR><BR><BR>10.1
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Numbered <BR>
Exhibit Page <BR><BR>

Series Supplement, dated as of February 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.





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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="50%"><FONT face="Times New Roman, Times, Serif" size=2>RESIDENTIAL ACCREDIT LOANS, INC. <BR>
<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: February 28, 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 February 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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[{"type": "8-K", "sequence": "1", "filename": "qa28kss.htm", "description": "2005 QA2", "secsgml_size_bytes": 8956}]
{"company-data": {"conformed-name": "RALI Series 2005-QA2 Trust", "cik": "0001319476", "assigned-sic": "6189", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-107959-27", "film-number": "05681880"}, "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)
February 1, 2005
RESIDENTIAL ACCREDIT LOANS, INC. (as company under a Pooling and Servicing Agreement dated as of February 1, 2005 providing for, inter alia, the issuance of Mortgage Asset-Backed Pass-Through Certificates, Series 2005-QA2)
Residential Accredit Loans, Inc.
(Exact name of registrant as specified in its charter)
DELAWARE
333-107959-27
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 February 28, 2005, Residential Accredit Loans, Inc. caused the issuance and sale of the Mortgage
Asset-Backed Pass-Through Certificates, Series 2005-QA2, pursuant to a Series Supplement, dated as of
February 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.
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
10.1
Sequentially
Numbered
Exhibit Page
Series Supplement, dated as of February 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.
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: February 28, 2005
Exhibit 10.1
Series Supplement, dated as of February 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.