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) September 1, 2004

        RESIDENTIAL  ACCREDIT  LOANS,  INC.  (as  company  under a  Pooling  and
        Servicing  Agreement  dated as of September 1, 2004 providing for, inter
        alia, the issuance of Mortgage Asset-Backed  Pass-Through  Certificates,
        Series 2004-QS13)

                        Residential Accredit Loans, Inc.
             (Exact name of registrant as specified in its charter)

          DELAWARE                 333-107959-14               51-0368240
  (State or other jurisdiction     (Commission)             (I.R.S. employer
      of incorporation)            file number)            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

<PAGE>

Items 1  through  4,  Item 6 and Item 8 are not  included  because  they are not
applicable.

Item 5. Other Events.

On September 29, 2004,  Residential Accredit Loans, Inc. caused the issuance and
sale of the Mortgage Asset-Backed Pass-Through  Certificates,  Series 2004-QS13,
pursuant to a Series Supplement, dated as of September 1, 2004, 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 7. 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:

                                                          Sequentially
Exhibit                                                     Numbered
Number                                                    Exhibit Page

        10.1 Series Supplement,  dated as of September 1, 2004, 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.


<PAGE>



                                       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/ Joseph Orning
                                     Name:  Joseph Orning
                                    Title:  Vice President


Dated:  September 29, 2004


<PAGE>

Exhibit 10.1

Series  Supplement,  dated as of  September 1, 2004,  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.
[{"type": "8-K", "sequence": "1", "filename": "qs138kss.txt", "description": "2004 QS13", "secsgml_size_bytes": 3684}]
{"company-data": {"conformed-name": "RALI Series 2004-QS13 Trust", "cik": "0001304415", "assigned-sic": "6189", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-107959-14", "film-number": "041076400"}, "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) September 1, 2004

        RESIDENTIAL  ACCREDIT  LOANS,  INC.  (as  company  under a  Pooling  and
        Servicing  Agreement  dated as of September 1, 2004 providing for, inter
        alia, the issuance of Mortgage Asset-Backed  Pass-Through  Certificates,
        Series 2004-QS13)

                        Residential Accredit Loans, Inc.
             (Exact name of registrant as specified in its charter)

          DELAWARE                 333-107959-14               51-0368240
  (State or other jurisdiction     (Commission)             (I.R.S. employer
      of incorporation)            file number)            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
Items 1  through  4,  Item 6 and Item 8 are not  included  because  they are not
applicable.

Item 5. Other Events.

On September 29, 2004,  Residential Accredit Loans, Inc. caused the issuance and
sale of the Mortgage Asset-Backed Pass-Through  Certificates,  Series 2004-QS13,
pursuant to a Series Supplement, dated as of September 1, 2004, 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 7. 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:

                                                          Sequentially
Exhibit                                                     Numbered
Number                                                    Exhibit Page

        10.1 Series Supplement,  dated as of September 1, 2004, 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/ Joseph Orning
                                     Name:  Joseph Orning
                                    Title:  Vice President

Dated:  September 29, 2004
Exhibit 10.1

Series  Supplement,  dated as of  September 1, 2004,  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.