UNITED STATES
                         SECURITIES AND EXCHANGE COMMISSION
                               WASHINGTON, D.C. 20549



                                      FORM 10-K


  (Mark one)

  /X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934
      For the fiscal year ended December 31, 2002

      OR



  / / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934


      Commission File Number:  333-51279-15


        Bear Stearns ARM Trust
        Mortgage Pass-Through Certificates
        Series 2001-4 Trust

       (Exact name of registrant as specified in its charter)



   New York                                       90-0042385
                                                  90-0031696
  (State or other jurisdiction of                 (I.R.S. Employer
  incorporation or organization)                  Identification No.)

   c/o Wells Fargo Bank Minnesota, 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


  Securities registered pursuant to Section 12(b) of the Act:

       NONE.



  Securities registered pursuant to Section 12(g) of the Act:

       NONE.



  Indicate by check mark whether the registrant (1) has filed all reports
  required to be filed by Section 13 or 15(d) of the Securities Exchange
  Act of 1934 during the preceding 12 months (or for such shorter period
  that the registrant was required to file such reports), and (2) has been
  subject to such filing requirements for the past 90 days.

      Yes  X       No ___







  Indicate by check mark if disclosure of delinquent filers pursuant to
  Item 405 of Regulation S-K ( 229.405 of this chapter) is not contained
  herein, and will not be contained, to the best of registrant's knowledge,
  in definitive proxy or information statements incorporated by reference
  in Part III of this Form 10-K or any amendment to this Form 10-K.

         Not applicable.






  State the aggregate market value of the voting and non-voting common
  equity held by non-affiliates of the registrant. The aggregate market
  value shall be computed by reference to the price at which the common
  equity was sold, or the average bid and asked prices of such common
  equity, as of a specified date within 60 days prior to the date of
  filing. (See definition of affiliate in Rule 405, 17 CFR 230.405.)

         Not applicable.








  Indicate the number of shares outstanding of each of the registrant's
  classes of common stock, as of the latest practicable date.

         Not applicable.



  List hereunder the following documents if incorporated by reference and
  the Part of the Form 10-K (e.g. Part I, Part II, etc..) into which the
  document is incorporated: (1)Any annual report to security holders; (2)
  Any proxy or information statement; and (3)Any prospectus filed pursuant
  to Rule 424(b) or (c) under the Securities Act of 1933. The listed
  documents should be clearly described for identification purposes (e.g.
  annual report to security holders for fiscal year ended December 24, 1980).

         Not applicable.










                                 PART I

  Item 1.  Business.

            Omitted.

  Item 2.  Properties.

            See Item 14(a), Exhibits 99.1, 99.2, and 99.3, for information
            provided in lieu of information required by Item 102 of
            Regulation S-K.



  Item 3.  Legal Proceedings.

            The registrant knows of no material pending legal proceedings
            involving the trusts created under the Pooling and Servicing
            Agreement (the Trusts), the Trustee, the Servicer or the
            registrant with respect to the Trusts other than routine
            litigation incidental to the duties of the respective parties.





  Item 4.  Submission of Matters to a Vote of Security Holders.


            None.

                               PART II


  Item 5.  Market for registrant's Common Equity and Related Stockholder
           Matters.


            No established public trading market for the Certificates exists.

            Records provided to the Trust by the DTC and the Trustee
            indicate that as of December 31, 2002, the number of holders of
            record for each class of Certificate were as follows:


             Class B-1                         1
             Class B-2                         1
             Class B-3                         1
             Class B-4                         1
             Class B-5                         1
             Class B-6                         1
             Class I-A                         1
             Class II-A                        1
             Class R-I                         1
             Class R-II                        1

             Total:                           10


  Item 6.  Selected Financial Data.

            Omitted.


  Item 7.  Management's Discussion and Analysis of Financial Condition and
           Results of Operation.

            Omitted.


  Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

            Not applicable.

  Item 8.  Financial Statements and Supplementary Data.

            See Item 14(a), Exhibits 99.1, 99.2, 99.3, for information
            provided in lieu of information required by Item 302 of
            Regulation S-K.




  Item 9.  Changes in and Disagreements with Accountants on Accounting and
           Financial Disclosure.

            None.


                               PART III


  Item 10. Directors and Executive Officers of the Registrant.

            Not applicable.


  Item 11. Executive Compensation.

            Not applicable.


  Item 12. Security Ownership of Certain Beneficial Owners and Management.

            Not applicable.


  Item 13. Certain Relationships and Related Transactions.

            Not applicable.

  Item 14. Controls and Procedures.

            Not applicable.

                               PART IV


  Item 15. Exhibits, Financial Statement Schedules, and Reports on Form 8-K.

   (a) Exhibits

    (99.1) Annual Independent Accountants' Servicing Reports concerning
           servicing activities for the year ended December 31, 2002.

       <TABLE>

       
        <c>
       a) ABN Amro Mortgage Group, as Servicer <F1>
       b) Bank of America, N.A. (KY), as Servicer <F1>
       c) Chase Manhattan Mtg Corp, as Servicer <F1>
       d) First Horizon Home Loan Corp, as Servicer <F1>
       e) First Nationwide Mtg Corp, as Servicer <F1>
       f) GMAC Mortgage Corp, as Servicer <F1>
       g) Guaranty Residential Lending, as Servicer <F1>
       h) Homeside Lending Inc (TX), as Servicer <F1>
       i) Ocwen Federal Bank FSB, as Servicer <F1>
       j) Saxon Mortgage Services, as Servicer <F1>
       k) Washington Mutual Bank, F.A., as Servicer <F1>
       l) Wells Fargo Home Mortgage, Inc, as Servicer <F1>
       </TABLE>

    (99.2) Report of Management as to Compliance with Minimum Servicing
           Standards for the year ended December 31, 2002.

       <TABLE>

       
        <c>
       a) ABN Amro Mortgage Group, as Servicer <F1>
       b) Bank of America, N.A. (KY), as Servicer <F1>
       c) Chase Manhattan Mtg Corp, as Servicer <F1>
       d) First Horizon Home Loan Corp, as Servicer <F1>
       e) First Nationwide Mtg Corp, as Servicer <F1>
       f) GMAC Mortgage Corp, as Servicer <F1>
       g) Guaranty Residential Lending, as Servicer <F1>
       h) Homeside Lending Inc (TX), as Servicer <F1>
       i) Ocwen Federal Bank FSB, as Servicer <F1>
       j) Saxon Mortgage Services, as Servicer <F1>
       k) Washington Mutual Bank, F.A., as Servicer <F1>
       l) Wells Fargo Home Mortgage, Inc, as Servicer <F1>
       </TABLE>

    (99.3) Annual Statements of Compliance under the Pooling and Servicing
           Agreements for the year ended December 31, 2002.

       <TABLE>

       
         <c>
       a) ABN Amro Mortgage Group, as Servicer <F1>
       b) Bank of America, N.A. (KY), as Servicer <F1>
       c) Chase Manhattan Mtg Corp, as Servicer <F1>
       d) First Horizon Home Loan Corp, as Servicer <F1>
       e) First Nationwide Mtg Corp, as Servicer <F1>
       f) GMAC Mortgage Corp, as Servicer <F1>
       g) Guaranty Residential Lending, as Servicer <F1>
       h) Homeside Lending Inc (TX), as Servicer <F1>
       i) Ocwen Federal Bank FSB, as Servicer <F1>
       j) Saxon Mortgage Services, as Servicer <F1>
       k) Washington Mutual Bank, F.A., as Servicer <F1>
       l) Wells Fargo Home Mortgage, Inc, as Servicer <F1>
       </TABLE>


    (99.4) Aggregate Statement of Principal and Interest Distributions to
           Certificate Holders.


   (b)  On November 06, 2002, December 09, 2002, and January 09, 2003
        reports on Form 8-K were filed by the Company in order to provide
        the statements for the monthly distributions to holders of the
        Certificates. No other reports on Form 8-K have been filed during
        the last quarter of the period covered by this report.





   (c) Not applicable.


   (d) Omitted.

    <F1> Filed herewith.




                               SIGNATURES


  Pursuant to the requirements of Section 13 or 15(d) 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:



    Bear Stearns ARM Trust
    Mortgage Pass-Through Certificates
    Series 2001-4 Trust
    (Registrant)



  Signed:  Structured Asset Mortgage Investments Inc., as Depositor


  By:   Jeffrey Mayer, President

  By: /s/  Jeffrey Mayer

  Dated: April 14, 2003

  Sarbanes-Oxley Certification


I, Jeffrey Mayer, certify that:


1.   I have reviewed this annual report on Form 10-K, and all reports on Form
     8-K containing distribution or servicing reports filed in respect of
     periods included in the year covered by this annual report, of Bear Stearns
     ARM Trust Mortgage Pass-Through Certificates Series 2001-4 Trust;

2.   Based on my knowledge, the information in these reports, taken as a whole,
     does not contain any untrue statement of a material fact or omit to state a
     material fact necessary to make the statements made, in light of the
     circumstances under which such statements were made, not misleading as of
     the last day of the period covered by this annual report;

3.   Based on my knowledge, the distribution or servicing information required
     to be provided to the trustee by the servicer under the pooling and
     servicing, or similar, agreement, for inclusion in these reports is
     included in these reports;

4.   Based on my knowledge and upon the annual compliance statement
     included in the report and required to be delivered to the
     trustee in accordance with the terms of the pooling and
     servicing, or similar, agreement, and except as disclosed
     in the reports, the servicer has fulfilled its obligations
     under the servicing agreement; and


5.   The reports disclose all significant deficiencies relating to the
     servicer's compliance with the minimum servicing standards based upon the
     report provided by an independent public accountant, after conducting a
     review in compliance with the Uniform Single Attestation Program for
     Mortgage Bankers or similar procedure, as set forth in the pooling and
     servicing, or similar, agreement, that is included in these reports.

     In giving the certifications above, I have reasonably relied on
     information provided to me by the following unaffiliated parties: ABN Amro
     Mortgage Group, as Servicer, Bank of America, N.A. (KY), as Servicer,
     Chase Manhattan Mtg Corp, as Servicer, First Horizon Home Loan Corp, as
     Servicer, First Nationwide Mtg Corp, as Servicer, GMAC Mortgage Corp, as
     Servicer, Guaranty Residential Lending, as Servicer, Homeside Lending Inc
     (TX), as Servicer, Ocwen Federal Bank FSB, as Servicer, Saxon Mortgage
     Services, as Servicer, Washington Mutual Bank, F.A., as Servicer,
     Wells Fargo Home Mortgage, Inc, as Servicer, and Wells Fargo Bank
     Minnesota, N.A., as Securities Administrator.


      Date: April 14, 2003


      /s/ Jeffrey Mayer
      Signature


      President
      Title






  SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO
  SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED
  SECURITIES PURSUANT TO SECTION 12 OF THE ACT.



  (a)(i) No annual report is provided to the Certificateholders other than
  with respect to aggregate principal and interest distributions.


  (a)(ii) No proxy statement, form of proxy or other proxy soliciting
  material has been sent to any Certificateholder with respect to any
  annual or other meeting of Certificateholders.



Ex-99.1 (a)

Ernst & Young   (logo)

Ernst & Young LLP
Sears Tower
233 South Wacker Drive
Chicago, Illinois 60606-6301
Phone: (312) 879-2000
www.ey.com

Report on Management's Assertion on Compliance with Minimum Servicing Standards
Set Forth in the Uniform Single Attestation Program for Mortgage Bankers

Report of Independent Accountants

Board of Directors
ABN AMRO North America, Inc.

We have examined management's assertion, included in the accompanying report
titled Report of Management, that except for noncompliance with the minimum
servicing standard for escrow funds, ABN AMRO Mortgage Group, Inc. (AAMG, a
wholly owned subsidiary of ABN AMRO North America, Inc.) complied with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers (USAP) during
the year ended December 31, 2002.  Management is responsible for AAMG's
compliance with those requirements.  Our responsibility is to express an opinion
on management's assertions about AAMG's compliance based on our examination.

Our examination was made in accordance with attestation standards established
by the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about AAMG's compliance with
those requirements and performing such other procedures as we considered
necessary in the circumstances. We believe that our examination provides a
reasonable basis for our opinion. Our examination does not provide a legal
determination on AAMG's compliance with specified requirements.

In our opinion, management's assertion, that except for noncompliance with the
minimum servicing standard for escrow funds, AAMG complied with the
aforementioned requirements during the year ended December 31, 2002, is fairly
stated, in all material respects.

This report is intended solely for the information and use of the board of
directors, management, and AAMG's private investors and is not intended to be
and should not be used by anyone other than these specified parties.

/s/ Ernst & Young LLP

January 20, 2003

A Member Practice of Ernst & Young Global


Ex-99.1 (b)

PRICEWATERHOUSECOOPERS     (logo)

PricewaterhouseCoopers LLP
214 N. Tryon Street
Suite 3600
Charlotte NC 28202
Telephone (704) 344 7500
Facsimile (704) 344 4100

REPORT OF INDEPENDENT ACCOUNTANTS

To the Board of Directors and Shareholder
of Bank of America, N.A.

We have examined management's assertion about compliance by BA Mortgage, LLC
and the Mortgage division of Bank of America, N.A. (collectively,
the "Company"), which together comprise an operating division of Bank of
America N.A., with the minimum servicing standards (the "Standards") identified
in the Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers ("USAP") as of and for the year ended December
31, 2002 included in the accompanying management assertion (see Exhibit 1).
Management is responsible for the Company's compliance with the Standards. Our
responsibility is to express an opinion on management's assertion about the
Company's compliance based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included,
examining, on a test basis, evidence about the Company's compliance with the
Standards and performing such other procedures as we considered necessary
in the circumstances. We believe that our examination provides a reasonable
basis for our opinion. Our examination does not provide a legal determination
on the Company's compliance with the Standards.

In our opinion, management's assertion that the Company complied with the
aforementioned Standards as of and for the year ended December 31, 2002
is fairly stated, in all material respects.

/s/ PricewaterhouseCoopers LLP
March 7, 2003


Ex-99.1 (c)


PriceWaterhouseCoopers (logo)

PriceWaterhouseCoopers LLP
1177 Avenue of the Americas
New York, NY 10036
Telephone (646) 471 4000
Facsimile (813) 286 6000


Report of Independent Accountants

To the Board of Directors and Stockholders
of Chase Mortgage Company:

We have examined management's assertion about Chase Mortgage Company's (the
"Company") compliance with the minimum servicing standards ("standards")
identified in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers ("USAP") as of and for the year
ended December 31, 2002 included in the accompanying management assertion (see
Exhibit I).  The Company's residential loan portfolio is subserviced by an
affiliate, Chase Manhattan Mortgage Corporation.  Management is responsible for
the Company's compliance with those minimum servicing standards.  Our
responsibility is to express an opinion on management's assertion about the
entity's compliance based on our examination.

Our examination was made in accordance with attestation standards established
by the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Company's compliance
with the standards and performing such other procedures as we considered
necessary in the circumstances.  We believe that our examination provides a
reasonable basis for our opinion.  Our examination does not provide a legal
determination on the Company's compliance with the standards.

In our opinion, management's assertion that the Company complied with the
aforementioned standards as of and for the year ended December 31, 2002 is
fairly stated, in all material respects.

/s/ PriceWaterhouseCoopers LLP

March 19, 2003

Ex-99.1 (d)

KPMG (logo)

Morgan Keegan Tower, Suite 900
Fifty North Front Street
Memphis, TN 38103


Independent Auditors' Report

The Partners
FH-FF Mortgage Services, L.P.:

We have examined management's assertion about First Tennessee Mortgage
Services, Inc.'s, which includes a consolidated investment in FH-FF Mortgage
Services, L.P., (the Company) compliance with the minimum servicing standards
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2002, included in the accompanying management assertion letter.
Management is responsible for the Company's compliance with those minimum
servicing standard.  Our responsibility is to express an opinion on
management's assertion about the Company's compliance with the minimum
standards based on our examination.

Our examination was concluded in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures as we considered necessary in the circumstances.  We
believe that our examination provides a reasonable basis for our opinion.  Our
examination does not provide a legal determination on the Company's compliance
with the minimum servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2002, is fairly stated, in all material respects.

/s/ KPMG LLP

Memphis, Tennessee
February 21, 2003

KPMG LLP. KPMG LLP, a U.S. limited liability partnership, is a member of KPMG
International, a Swiss association.


  Ex-99.1 (e)

KPMG (logo)

1660 International Drive
McLean, VA 22102

Independent Accountants' Report

The Board of Directors
First Nationwide Mortgage Corporation:

We have examined management's assertion, included in the accompanying management
assertion report dated January 21, 2003, that First Nationwide Mortgage
Corporation (the Company) complied with the minimum servicing standards set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers as of and for the year ended December
31, 2002.  Management is responsible for the Company's compliance with those
minimum servicing standards.  Our responsibility is to express an opinion on
management's assertion about the Company's compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures as we considered necessary in the circumstances.  We
believe that our examination provides a reasonable basis for our opinion.  Our
examination does not provide a legal determination on the Company's compliance
with the minimum servicing standards.

In our opinion, management's assertion that First Nationwide Mortgage
Corporation complied with the aforementioned minimum servicing standards during
the year ended December 31, 2002 is fairly stated, in all material respects.

/s/ KPMG LLP

January 21, 2003


KPMG LLP.  KPMG LLP, a U.S. limited liability partnership, is a member of KPMG
International, a Swiss association.

  Ex-99.1 (f)


PricewaterhouseCoopers (logo)

PricewaterhouseCoopers LLP
160 Federal Street
Boston MA 02110-9862
Telephone (617) 428 8400
Facsimile (617) 439 7393

Report of Independent Accountants

To the Board of Directors and Stockholder
of GMAC Mortgage Corporation:


We have examined management's assertion about GMAC Mortgage Corporation and its
subsidiaries' ("the Company") compliance with the minimum servicing standards
("standards") identified in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and for
the year ended December 31, 2002 included in the accompanying management
assertion (see Exhibit I).  Management is responsible for the Company's
compliance with those minimum servicing standards.  Our responsibility is to
express an opinion on management's assertion about the entity's compliance
based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
standards and performing such other procedures as we considered necessary in
the circumstances.  We believe that our examination provides a reasonable basis
for our opinion.  Our examination does not provide a legal determination on the
Company's compliance with the standards.

In our opinion, management's assertion that the Company complied with the
aforementioned standards as of and for the year ended December 31, 2002 is
fairly stated, in all material respects.


/s/ PricewaterhouseCoopers LLP

March 7, 2003

  Ex-99.1 (g)


Ernst & Young (logo)

Ernst & Young LLP
Suite 1400
700 Lavaca
Austin, Texas 78701
Phone: (512) 478-9881
Fax: (512) 473-3499
www.ey.com

Report of Independent Accountants

Board of Directors
Guaranty Bank and Subsidiaries
(including Guaranty Residential Lending, Inc.)

We have examined management's assertion, included in the accompanying report
titled Report of Management, that Guaranty Bank and subsidiaries (including
Guaranty Residential Lending, Inc.) (the "Company") complied with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers during the year
ended December 31, 2002.  Management is responsible for the Company's compliance
with those requirements.  Our responsibility is to express an opinion on
management's assertion about the Company's compliance based on our examination.

Our examination was made in accordance with attestation standards established
by the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Company's compliance
with those requirements and performing such other procedures as we considered
necessary in the circumstances.  We believe that our examination provides a
reasonable basis for our opinion.  Our examination does not provide a legal
determination on the Company's compliance with specified requirements.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum during the year ended December 31, 2002 is fairly
stated, in all material respects.

This report is intended solely for the information and use of the Board of
Directors, management and the Company's private investors and is not intended
to be and should not be used by anyone other than the specified parties.

/s/ Ernst & Young LLP

January 31, 2003

A Member Practice of Ernst & Young Global

  Ex-99.1 (h)


Deloitte & Touche LLP
Suite 4500
700 Fifth Avenue
Seattle, Washington 98104-5044

Tel: (206) 292-1800
Fax: (206) 343-7809
www.deloitte.com

Deloitte
& Touche (logo)

INDEPENDENT ACCOUNTANTS' REPORT ON COMPLIANCE WITH UNIFORM SINGLE ATTESTATION
PROGRAM FOR MORTGAGE BANKERS

Board of Directors
Washington Mutual, Inc.

We have examined management's assertion about Washington Mutual, Inc. and
subsidiaries' (the Company) compliance with the minimum servicing standards
identified in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers as of and for the year ended December
31, 2002, included in the accompanying management assertion.  Management is
responsible for the Company's compliance with those minimum servicing
standards.  Our responsibility is to express an opinion on management's
assertion about the Company's compliance based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances.  We believe that our examination
provides a reasonable basis for our opinion.  Our examination does not provide
a  legal determination on the Company's compliance with the minimum servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2002, is fairly stated, in all material respects.

/s/ Deloitte & Touche LLP

February 18, 2003


Deloitte
Touche
Tohmatsu (logo)


  Ex-99.1 (i)

PRICEWATERHOUSECOOPERS   (logo)

PricewaterhouseCoopers LLP
222 Lakeview Avenue
Suite 360
West Palm Beach, FL 33401
Telephone (561) 832 0038
Facsimile (561) 805 8181

INDEPENDENT CERTIFIED PUBLIC ACCOUNTANT'S REPORT

To the Board of Directors of
Ocwen Federal Bank FSB


We have examined management's assertion, included in the accompanying
Management Assertion on Compliance with USAP, that, except for the noncompliance
related to interest on escrows described in the third paragraph, Ocwen Federal
Bank FSB (the "Bank") complied with the minimum servicing standards identified
in the Mortgage Bankers Association of America's ("MBA's") Uniform Single
Attestation Program for Mortgage Bankers ("USAP") as of and for the year ended
December 31, 2002.  Management is responsible for the Bank's compliance with
those minimum servicing standards.  Our responsibility is to express an opinion
on management's assertion about the Bank's compliance based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Bank's compliance
with the minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances.  We believe that our examination
provides a reasonable basis for our opinion.  Our examination does not provide
a legal determination on the Bank's compliance with the minimum servicing
standards.

Our examination disclosed noncompliance with minimum servicing standards in
certain states related to interest on escrows applicable to the Bank during the
year ended December 31, 2002.  Such noncompliance is described in the
accompanying Management Assertion on Compliance with USAP.

In our opinion, management's assertion that the Bank complied with the
aforementioned minimum servicing standards, except for noncompliance as
described in the accompanying Management Assertion on Compliance with USAP, as
of and for the year ended December 31, 2002 is fairly stated, in all material
respects.

/s/ PricewaterhouseCoopers LLP

PricewaterhouseCoopers LLP
March 14, 2003

  Ex-99.1 (j)


Independent Accountants' Report


To the Board of Directors
Saxon Mortgage Services, Inc.
Fort Worth, Texas

We have examined management's assertion that Saxon Mortgage Services, Inc.
(the "Company") has complied as of and for the year ended December 31, 2002,
with its established minimum servicing standards described in the accompanying
management assertion dated March 14, 2003.  Management is responsible for the
Company's compliance with those minimum servicing standards.  Our responsibility
is to express an opinion on management's assertion about the Company's
compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with its minimum servicing standards and performing such other
procedures as we considered necessary in the circumstances.  We believe that
our examination provides a reasonable basis for our opinion.  Our examination
does not provide a legal determination on the Company's compliance with its
minimum servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2002, is fairly stated, in all material respects based on the
criteria set forth in Appendix I, except as noted in the following paragraph.

In four of the thirty custodial bank accounts selected for testing for May
2002, the reconciliations included 84 items totaling approximately $574,000
that were older than 90 days.  Of the thirty custodial bank accounts selected
for testing for December 2002, we did not observe reconciling items older than
90 days.




March 14, 2003




  Ex-99.1 (k)


Deloitte & Touche LLP
Suite 4500
700 Fifth Avenue
Seattle, Washington 98104-5044

Tel: (206) 292-1800
Fax: (206) 343-7809
www.deloitte.com

Deloitte
& Touche (logo)

INDEPENDENT ACCOUNTANTS' REPORT ON COMPLIANCE WITH UNIFORM SINGLE ATTESTATION
PROGRAM FOR MORTGAGE BANKERS

Board of Directors
Washington Mutual, Inc.

We have examined management's assertion about Washington Mutual, Inc. and
subsidiaries' (the Company) compliance with the minimum servicing standards
identified in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers as of and for the year ended December
31, 2002, included in the accompanying management assertion.  Management is
responsible for the Company's compliance with those minimum servicing
standards.  Our responsibility is to express an opinion on management's
assertion about the Company's compliance based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances.  We believe that our examination
provides a reasonable basis for our opinion.  Our examination does not provide
a  legal determination on the Company's compliance with the minimum servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2002, is fairly stated, in all material respects.

/s/ Deloitte & Touche LLP

February 18, 2003


Deloitte
Touche
Tohmatsu (logo)

  Ex-99.1 (l)

KPMG  (logo)

2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309

INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
Wells Fargo Home Mortgage:

We have examined management's assertion dated February 25, 2003 that Wells
Fargo Home Mortgage complied with the minimum servicing standards set forth in
the Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers (USAP) as of and for the year ended December 31, 2002.
Management is responsible for Wells Fargo Home Mortgage's compliance with
those minimum standards.  Our responsibility is to express an opinion on
management's assertion about Wells Fargo Home Mortgage's compliance based on
our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about Wells Fargo
Home Mortgage's compliance with the minimum servicing standards specified above
and performing such other procedures as we considered necessary in the
circumstances. We believe that our examination provides a reasonable basis for
our opinion. Our examination does not provide a legal determination on Wells
Fargo Home Mortgage's compliance with the minimum servicing standards.

In our opinion, management's assertion that Wells Fargo Home Mortgage complied
with the aforementioned minimum servicing standard as of and for the year ended
December 31, 2002, is fairly stated, in all material respects.

/s/ KPMG LLP

February 25, 2003

KPMG LLP. KPMG LLP, a U.S. limited liability partnership, is a member of KPMG
International, a Swiss association.


Ex-99.2 (a)

ABN AMRO (logo)

ABN AMRO Mortgage Group, Inc.
4242 North Harlem Avenue
Norridge, Illinois 60706-1283

www.mortgage.com


Management's Assertion on Compliance with the Minimum Servicing Standards Set
Forth in the Uniform Single Attestation Program for Mortgage Bankers

Report of Management

We, as members of management of ABN AMRO Mortgage Group, Inc. (AAMG, a wholly
owned subsidiary of ABN AMRO North America, Inc.) are responsible for complying
with the minimum servicing standards as set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage
Bankers (USAP).  We are also responsible for establishing and maintaining
effective internal control over compliance with these standards.  We have
preformed an evaluation of AAMG's compliance with the minimum servicing
standards as set forth in the USAP as of December 31, 2002 and for the year
then ended.  Based on this evaluation, we assert that during the year ended
December 31, 2002, AAMG complied, in all material respects, with the minimum
servicing standards set forth in the USAP except as described below.

Escrow funds were not returned to mortgagors within 30  calendar days of payoff
for 2 out of the 25 loans tested.

As of and for this same period, ABN AMRO North America, Inc. had in effect a
fidelity bond in the amount of $500,000,000 and an error and omissions policy
in the amount of $25,000,000.

/s/ Stanley Rhodes
Stanley Rhodes
President

/s/ Richard Geary
Richard Geary
Group Senior Vice President

January 20, 2003

Affiliate Banks and Other Lending Offices: ABN AMRO Mortgage, LaSalle Bank N.A.,
LaSalle Home Mortgage, Standard Federal Bank N.A.


Ex-99.2 (b)

Bank of America    (logo)
Exhibit 1

Bank of America Mortgage
101 E. Main Street, Suite 400
P.O. Box 35140
Louisville, Kentucky 40232 5140

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards

March 7, 2003

As of and for the year ended December 31, 2002, BA Mortgage LLC, and the
Mortgage division of Bank of America, N.A. (collectively, the "Company"),
which together comprise an operating division of Bank of America, N.A., has
complied in all material respects with the minimum servicing standards set forth
in the Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers ("USAP").

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amounts of $400,000,000 and $475,000,00
respectively.

/s/ Kevin M. Shannon                     /s/ H. Randall Chestnut
Kevin M. Shannon                        H. Randall Chestnut
President                               Senior Vice President
Consumer Real Estate                    Bank of America, N.A.
Bank of America, N.A.


/s/ David H. Rupp                        /s/ Gary K. Bettin
David H. Rupp                           Gary K. Bettin
Senior Vice President                   Senior Vice President and
Bank of America, N.A.                   National Servicing Executive
                                        Bank of America, N.A.

/s/ J. Mark Hanson
J. Mark Hanson
Senior Vice President
Bank of America, N.A.




Ex-99.2 (c)

CHASE
THE RIGHT RELATIONSHIP IS EVERYTHING (logo)

Exhibit I

Management's Assertion Concerning Compliance with USAP Minimum Servicing
Standards

March 19, 2003

As of and for the year ended December 31, 2002, Chase Manhattan Mortgage
Corporation ("CMMC") and Chase Mortgage Company ("CMC") and their subsidiaries
(collectively, the "Group") have complied in all material respects with the
minimum servicing standards (the "Standards") set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage
Bankers ("USAP").

As of and for this same period, the Group had in effect a fidelity bond and
errors omissions policy in the amount of $250,000,000 and $25,000,000
respectively.

/s/ Steve Rotella                             /s/ Terry L. Gentry
Steve Rotella                                 Terry L. Gentry
Chief Executive Officer                       Senior Vice President of Servicing

/s/ Glenn Mouridy                             /s/ Lucy Gambino
Glenn Mouridy                                 Lucy Gambino
Executive Vice President of Servicing         Vice President of Risk Management

Ex-99.2 (d)

First Horizon
Home Loans (logo)

KPMG LLP
50 North Front Street, Suite 900
Memphis, TN 38103

February 21, 2003

Ladies and Gentlemen:

As of and for the year ended December 31, 2002, First Horizon Home Loan
Corporation and its wholly-owned subsidiary, First Tennessee Mortgage Services,
Inc., which includes a consolidated investment in FH-FF Mortgage Services,
L.P., (the Company) has complied in all material respects with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation for Mortgage Bankers.  As of and for this same
period, the Company had in effect a fidelity bond policy of $100,000,000 and an
errors and omissions policy in the amount of $75,000,000.

/s/ Peter F. Makowiecki
Peter F. Makowiecki
Chief Financial Officer

First Horizon Home Loan Corporation
4000 Horizon Way
Irving, TX 75063
Phone: (800) 707-0139

  Ex-99.2 (e)


1st
Nationwide
Mortgage (logo)

P.O. Box 9481
Gaithersburg, MD 20898-9481

Management Assertion


As of and for the year ended December 31, 2002, First Nationwide Mortgage
Corporation (the Company) complied in all material respects with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers.  As of November 6,
2002, and for the period from January 1, 2002 to November 6, 2002,  the Company
had in effect a fidelity bond and errors and omissions policies in the amount
of $125 million and $120 million, respectively.  As of December 31, 2002 and
for the period from November 7, 2002 to December 31, 2002, the Company had in
effect fidelity bond and errors and omissions policies in the amount of $100
million and $50 million, respectively.

/s/ Debbie Mace
Debbie Mace
SVP

4/9/03
Date


5280 Corporate Drive, Frederick, MD 21703

  Ex-99.2 (f)


GMAC Mortgage Corporation
4 Walnut Grove Dr.
P.O. Box 965
Horsham, PA 19044-0965

GMAC
Mortgage (logo)

Management's Assertion Concerning Compliance with USAP Minimum Servicing
Standards

March 7, 2003

As of and for the year ended December 31, 2002, GMAC Mortgage Corporation  and
its subsidiaries (the "Company") have complied in all material respects with
the minimum servicing standards (the "Standards") set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation for Mortgage
Bankers ("USAP") except as follows: Section V - Mortgagor Loan Accounting
requires that interest on escrow accounts shall be paid or credited to
mortgagors in accordance with the applicable state laws.  The Company failed to
utilize the appropriate interest rate on escrow accounts required by the state
of Oregon during the year.

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amounts of $400,000,000 and $400,000,000,
respectively.

/s/ David Applegate
David Applegate
Chief Executive Officer
GMAC Residential Holding Corp

/s/ Ralph Hall
Ralph Hall
Chief Operation Officer
GMAC Residential Holding Corp

  Ex-99.2 (g)


Guaranty
Bank (logo)

Report of Management

We, as members of management of Guaranty Bank and Subsidiaries (including
Guaranty Residential Lending, Inc.) (the "Company"), are responsible for
complying with the minimum servicing standards as set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation for Mortgage
Bankers (the "USAP").  We are also responsible for establishing and maintaining
effective internal control over compliance with these standards.  We have
performed an evaluation of the Company's compliance with the minimum servicing
standards as set forth in the USAP as of December 31, 2002 and for the year then
ended.  Based on this evaluation, we assert that during the year ended December
31, 2002, the Company complied, in all material respects, with the minimum
servicing standards set forth in USAP.

As of December 31, 2002 and for the year then ended, the Company had in effect
a fidelity bond and errors and omissions policy in the amount of $27,000,000.

/s/ Joe Farr
Joe Farr
President and Chief Executive Officer
Guaranty Residential Lending, Inc.

/s/ John Harris
John Harris
Executive Vice President, Loan Administration
Guaranty Residential Lending, Inc.

1300 S. MoPac
Austin, TX 78746
ph: 512.434.1000

  Ex-99.2 (h)


Washington Mutual


As of and for the year ended December 31, 2002, Washington Mutual, Inc. and
subsidiaries (the Company) has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation for Mortgage Bankers.  As of and for this
same period, the Company had in effect a fidelity bond and errors and omissions
policy in the amount of $110 million and $20 million, respectively.

/s/ Craig S. Davis
Craig S. Davis
President
Home Loans & Insurance Services Group

/s/ Anthony T. Meola
Anthony T. Meola
Executive Vice President
Home Loans & Insurance Services Group

February 18, 2003



1201 3rd Ave.
Seattle, WA 98101

  Ex-99.2 (i)

OCWEN (logo)

MANAGEMENT ASSERTION ON COMPLIANCE WITH USAP

March 14, 2003

As of and for the year ended December 31, 2002, except as specifically noted
below, Ocwen Federal Bank FSB (the "Bank") has complied in all material
respects with the minimum servicing standards set forth in the Mortgage Bankers
Association of America's ("MBA's") Uniform Single Attestation Program for
Mortgage Bankers ("USAP").

* Standard: Interest on escrow accounts shall be paid, or credited, to
mortgagors in accordance with the applicable state laws.

Interest on escrow accounts in certain states was not paid, or credited, to
mortgagors in accordance with the applicable state laws during the year ended
December 31, 2002.  The Bank is currently implementing an enhancement to its
REALServicing TM servicing system to ensure that, for loans collateralized by
properties located in states that require the payment of interest on escrow
accounts, the payment or crediting of such interest is in accordance with
applicable state laws.


As of and for this same period, the Bank had in effect a fidelity bond in the
amount of $15,000,000, and errors and omissions policy in the amount of
$10,000,000.

/s/ Ronald M. Faris
Ronald M. Faris
President

/s/ Scott W. Anderson
Scott W. Anderson
Senior Vice President of Residential Assets

/s/ James D. Campbell
James D. Campbell
Director of Investor Reporting

  Ex-99.2 (j)


March 14, 2003

As of and for the year ended December 31, 2002, Saxon Mortgage Services, Inc.
(the "Company") has complied, in all material respects, with the Company's
established minimum servicing standards for mortgage loans as set forth in
Appendix I (the "Standards"), except as noted in the following paragraph.  The
Standards are based on the Mortgage Bankers' Association of America's Uniform
Single Attestation Program for Mortgage Bankers.

In four of the thirty custodial bank accounts selected for testing for May 2002,
the reconciliations included 84 items totaling approximately $574,000 that were
older than 90 days.

As of and for this same period, the Company had in effect a fidelity bond in the
amount of $15 million and errors and omissions policy in the amount of $10
million.



____________________________
Dennis G. Stowe, Chief Operating
       Officer and President


____________________________
David L. Dill, Executive Vice
                 President



APPENDIX I

MINIMUM SERVICING STANDARDS AS SET FORTH IN THE MORTGAGE BANKERS ASSOCIATION OF
AMERICA'S UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS

I.      CUSTODIAL BANK ACCOUNTS

1.      Reconciliations shall be prepared on a monthly basis for all custodial
bank accounts and related bank clearing accounts.  These reconciliations shall:
*       be mathematically accurate;
*       be prepared within forty-five (45) calendar days after the cutoff date;
*       be reviewed and approved by someone other than the person who prepared
the reconciliation; and
*       document explanations for reconciling items.  These reconciling items
shall be resolved within ninety (90) calendar days of their original
identification.

2.      Funds of the servicing entity shall be advanced in cases where there is
an overdraft in an investor's or a mortgagor's account.

3.      Each custodial account shall be maintained at a federally insured
depository institution in trust for the applicable investor.

4.      Escrow funds held in trust for a mortgagor shall be returned to the
mortgagor within thirty (30) calendar days of payoff of the mortgage loan.

II.     MORTGAGE PAYMENTS

1.      Mortgage payments shall be deposited into the custodial bank accounts
and related bank clearing accounts within two business days of receipt.

2.      Mortgage payments made in accordance with the mortgagor's loan documents
shall be posted to the applicable mortgagor records within two business days of
receipt.

3.      Mortgage payments shall be allocated to principal, interest, insurance,
taxes or other escrow items in accordance with the mortgagor's loan documents.

4.      Mortgage payments identified as loan payoffs shall be allocated in
accordance with the mortgagor's loan documents.

III.    DISBURSEMENTS

1.      Disbursements made via wire transfer on behalf of a mortgagor or
investor shall be made only by authorized personnel.

2.      Disbursements made on behalf of a mortgagor or investor shall be posted
within two business days to the mortgagor's or investor's records maintained by
the servicing entity.

3.      Tax and insurance payments shall be made on or before the penalty or
insurance policy expiration dates, as indicated on tax bills and insurance
premium notices, respectively, provided that such support has been received by
the servicing entity at least thirty (30) calendar days prior to these dates.

4.      Any late payment penalties paid in conjunction with the payment of any
tax bill or insurance premium notice shall be paid from the servicing entity's
funds and not charged to the mortgagor, unless the late payment was due to the
mortgagor's error or omission.

5.      Amounts remitted to investors per the servicer's investor reports shall
agree with cancelled checks, or other form of payment, or custodial bank
statements.

6.      Unused checks shall be safeguarded so as to prevent unauthorized access.

IV.     INVESTOR ACCOUNTING AND REPORTING

1.      The servicing entity's investor reports shall agree with, or reconcile
to, investors' records on a monthly basis as to the total unpaid principal
balance and number of loans serviced by the servicing entity.

V.      MORTGAGOR LOAN ACCOUNTING

1.      The servicing entity's mortgage loan records shall agree with, or
reconcile to, the records of mortgagors with respect to the unpaid principal
balance on a monthly basis.

2.      Adjustments on ARM loans shall be computed based on the related mortgage
note and any ARM rider.

3.      Escrow accounts shall be analyzed, in accordance with the mortgagor's
loan documents, on at least an annual basis.

4.      Interest on escrow accounts shall be paid, or credited, to mortgagors
in accordance with the applicable state laws.

VI.     DELINQUENCIES

1.      Records documenting collection efforts shall be maintained during the
period a loan is in default and shall be updated at least monthly.  Such records
shall describe the entity's activities in monitoring delinquent loans including,
for example, phone calls, letters and mortgage payment rescheduling plans in
cases where the delinquency is deemed temporary (e.g., illness or unemployment).

VII.    INSURANCE POLICIES

1. A fidelity bond and errors and omissions policy shall be in effect on the
servicing entity throughout the reporting period in the amount of coverage
represented to investors in management's assertion.



  Ex-99.2 (k)


Washington Mutual


As of and for the year ended December 31, 2002, Washington Mutual, Inc. and
subsidiaries (the Company) has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation for Mortgage Bankers.  As of and for this
same period, the Company had in effect a fidelity bond and errors and omissions
policy in the amount of $110 million and $20 million, respectively.

/s/ Craig S. Davis
Craig S. Davis
President
Home Loans & Insurance Services Group

/s/ Anthony T. Meola
Anthony T. Meola
Executive Vice President
Home Loans & Insurance Services Group

February 18, 2003



1201 3rd Ave.
Seattle, WA 98101


  Ex-99.2 (l)

Wells Fargo Home Mortgage     (logo)

1 Home Campus
Des Moines, IA 50328-0001

Management Assertion

As of and for the year ended December 31, 2002, Wells Fargo Home Mortgage Inc.
has complied in all material respects with the minimum servicing standards set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers.  As of and for this same period,
Wells Fargo Home Mortgage Inc. had in effect a fidelity bond along with an
errors and omissions policy in the amounts of $100 million and $20 million,
respectively.

/s/ Pete Wissinger               February 25, 2003
Pete Wissinger
Chief Executive Officer

/s/ Michael J. Heid              February 25, 2003
Michael J. Heid
Executive Vice President

/s/ Robert Caruso                February 25, 2003
Robert Caruso
Senior Vice President
Loan Servicing


  Ex-99.3 (a)

ABN AMRO (logo)

ABN AMRO Mortgage Group, Inc.
4242 North Harlem Avenue
Norridge, Illinois 60706-1283

www.mortgage.com


CERTIFICATE OF COMPLIANCE

The undersigned, an officer of ABN AMRO Mortgage Group, Inc.,
(the "participant"), hereby certifies as follows:

1. I have made, or caused to be made under my supervision, a review of the
activities of ABN AMRO Mortgage Group, Inc. during the preceding calendar year
ending December 31, 2002, with respect to performance under the

and

2. To the best of my knowledge, based on such review, there is as of this date,
no default by ABN AMRO in the fulfillment of any of it's obligations under this
issue.

In witness whereof the undersigned has this Certificate of Compliance this 1st
day of March, 2003.


ABN AMRO Mortgage Group, Inc.

By: /s/ Mary P. Sperlik
Mary P. Sperlik
First Vice President

Affiliate Banks and Other Lending Offices: ABN AMRO Mortgage, LaSalle Bank N.A.,
LaSalle Home Mortgage, Standard Federal Bank N.A.


  Ex-99.3 (b)


ANNUAL OFFICER CERTIFICATION


In accordance with the Servicing Agreement, I, the undersigned, hereby certify
as to each Mortgage Loan being serviced by Bank of America, N.A. the following:

1. I am a duly authorized officer of Bank of America, N.A. and am empowered and
authorized to issue this Annual Certification.

2. All taxes, ground rents and assessments for the Mortgages covered herein
have been paid.

3. All insurance premiums for flood or other casualty insurance, and FHA
premiums or Private Mortgage premiums on conventional loans have been paid and
are in full force.

4. Interest is being paid on escrow in accordance with any laws, regulations,
or contracts that require payment of interest on mortgagors' escrow deposit
accounts.

5. Analysis had been made to ensure sufficient money was collected in the
escrow year.

6. All required interest and/or monthly payment adjustment for ARM loans were
made in accordance with the mortgage terms, and timely and proper notice was
provided to the mortgagors.

7. With respect to FHA Section 221 mortgages that have reached the 20th
anniversary of their endorsement, we will assign those mortgages that are
eligible for assignment under HUD's special assignment procedures if requested
on a loan basis by the investor.

8. We have complied with Internal Revenue Service's requirements for reporting
the receipt of $600 or more of interest payments (IRS 1098) from a mortgagor,
for filing statements for recipients of miscellaneous income (IRS 1099-Misc) to
report payments of fees to attorneys for handling liquidation proceedings, and
for filing notices of acquisition of abandonment of secured property (IRS 1099-
A) to report the acquisition of property by foreclosure or acceptance of a
deed-in-lieu or by a mortgagor's abandonment of a property.

9. The Fidelity Bond and Errors and Omissions Coverage has been reviewed.  All
required coverage is in existence and none of our principal officers have been
removed from coverage.

10. A viable contingency plan is in place to minimize financial loss and
disruptions of service to the institution and its customers, as required by
federal regulations.


I FURTHER CERTIFY:
A. To the best of my knowledge and upon reasonable investigation, the servicing
of the Mortgage Loans during the year of 2002 has been conducted in compliance
with the Agreement except for such exceptions as I am setting forth below.

Exceptions (if any):    None

B. A review of activities with respect to performance under the Agreement has
been made under my supervision and to the best of my knowledge, based on such
review, no default exists as of 12/31/02 in the fulfillment of any obligations
under the Agreement other than the events of default, if any, which I am
listing below with the nature and status thereof.

Events of Default (if any):     None


Bank of America, N.A.

/s/ Robert S. O'Neill
Robert S. O'Neill
Investor Services - Kentucky
Senior Vice President


Ex-99.3 (c)


CHASE
THE RIGHT RELATIONSHIP IS EVERYTHING (logo)

Chase Manhattan Mortgage Corporation
3415 Vision Drive
Columbus, OH 43219
1-800-848-9136 Customer Service
1-800-582-0542 TDD / Text Telephone

Wells Fargo Bank
9062 Old Annapolis Road
Columbia, MD 21045

RE: Annual Certification

Pursuant to the servicing agreement, the undersigned Officer certifies to the
following:

a) All hazard (or mortgage impairment, if applicable) flood or other casualty
insurance and primary mortgage guaranty insurance premiums, taxes, ground rents,
assessments and other changes have been paid by/in connection with the
Mortgaged Properties;

b) All property inspections have been completed;

c) Compliance relative to Adjustable Rate Mortgages have been met;

d) Compliance with IRS Foreclosure reporting regulations enacted as IRS Section
6060J by the Deficit Reduction Act, regarding Acquired and/or Abandonment
property have been completed;

e) All loans CMMC services in state that have statutes requiring payment of
interest on escrow/impound accounts have been completed;

f) That such officer has confirmed that the Fidelity Bond, the Errors and
Omissions Insurance Policy, and any other bonds required under the terms of the
Servicing Agreement are in full force and effect.

g) Enclosed is a copy of our most recent independent audit statement.

CERTIFIED BY: /s/ Lucy P. Gambino    Date: March 31, 2003
                  Vice President
                  Chase Manhattan Mortgage Corporation
                  3415 Vision Drive
                  Columbus, OH 43219

168

Ex-99.3 (d)


ANNUAL SERVICING CERTIFICATION

In connection with the loans serviced by First Horizon Home Loans (formerly FT
Mortgage Companies) during the fiscal year December 31, 2002, we confirm the
following to be materially correct and accurate to the best of our knowledge,
information and belief:

1. Real estate taxes, special assessments and any charges that may become a lien
upon the property and which come due in the last calendar year have been paid.
This also includes the verification with taxing authorities for non-escrowed
mortgages.

2. FHA insurance premiums or private mortgage insurance premium, if applicable,
have been paid and are in full force and effect.

3. Properties are adequately insured and your interest, as Mortgagee, is
properly provided for in the mortgage clause.  This includes both flood and
hazard insurance.

4. For those loans being escrowed for the payment of taxes and insurance,
sufficient amounts are being collected monthly to provide for payment of future
items.

5. Property inspections have been completed according to the provisions of our
servicing agreement, if applicable.

6. All other provisions of the servicing agreements have been adhered to.

7. To the extent there exist any exceptions to the foregoing that are deemed to
be material in nature, such exception(s) will be recited in an Exhibit attached
hereto and accompanied by an explanation thereof.  In the event, no Exhibit is
attached hereto; it is to be presumed that no exceptions of a material nature
to the foregoing exist.

By: /s/ Yuet Tang
(Signature)

Yuet Tang
(Printed name)

Vice President
(Title)

3-24-03
(Date)

  Ex-99.3 (e)


1st
Nationwide
Mortgage (logo)

P.O. Box 9481
Gaithersburg, MD 20898-9481

January 21, 2003

KPMG LLP
Attn: Richard Wheeler
1660 International Drive
McLean, VA 22102

Ladies and Gentlemen:

We are providing you this letter in connection with your examination of
management's assertion about First Nationwide Mortgage Corporation's (the
Company) compliance with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers (USAP) as of and for the year ended December 31, 2002 for
the purpose of expressing an opinion as to whether management's assertion is
fairly stated, in all material respects.

We confirm, to the best of our knowledge and belief, the following
representations made to you during your examination:

1. We are responsible for complying with the minimum servicing standards in the
USAP.

2. We are responsible for establishing and maintaining effective internal
control over compliance with the minimum servicing standards.

3. We have performed an evaluation the Company's compliance with the minimum
servicing standards.

4. As of and for the year ended December 31, 2002, the Company has complied in
all material respects with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers.

5. We have disclosed to you all known noncompliance with the minimum servicing
standards.

6. We have made available to you all documentation related to compliance with
the minimum servicing standards.

7. We have disclosed any communications from regulatory agencies, internal
auditors, and other practitioners concerning possible noncompliance with the
minimum servicing standards, including communications received between the end
of the period addressed in management's assertion and the date of the
independent accountants' report.

8. We have disclosed to you any known noncompliance occurring subsequent to the
year ended December 31, 2002.

Very truly yours,

First Nationwide Mortgage Corporation

/s/ Paul Ince                     /s/ Debbie Mace
Paul Ince                         Debbie Mace
SVP and Chief Financial Officer   SVP


5280 Corporate Drive, Frederick, MD 21703


  Ex-99.3 (f)


GMAC Mortgage (logo)


March 15, 2003

NORWEST BANK MINNESOTA. N.A.
DEEPA UENKATRA
9062 OLD ANNAPOLIS ROAD
COLUMBIA, MD 21045


Re: Officers Statement of Compliance Year Ending 2002 Servicing Agreement/Pool

We hereby certify to the best of our knowledge and belief, that for the
calendar year 2002:

1. A review of the activities of the Seller/Servicer and of performance
according to the Seller/Servicer contract has been made with the undersigned
Officer's knowledge.
2. To the best of the undersigned Officer's knowledge, and based on such review,
the Seller/Servicer has fulfilled all its obligations under the Guides for such
year.
3. If applicable, GMACM has filed the information returns with respects to the
receipt of mortgage interest pursuant to Sections 6050H, 6050J and 6050P of the
Code, received in a trade or business, reports of foreclosures and abandonment's
of any Mortgaged Property and the information returns relating to cancellation
of indebtedness income with respect to any Mortgaged Property.
4. All hazard, flood, FHA mortgage insurance and primary mortgage insurance
premiums, taxes, ground rents, assessments and other lienable items have been
paid in connection with the mortgaged properties.
5. All property inspections have been completed as required.
6. Compliance relative to Adjustable Rate Mortgages has been met.
7. Fidelity Bond and Errors and Omissions Insurance coverage is current, in
full force and effect.

Servicer: GMAC Mortgage Corporation
By: /s/ Michael Kacergis
Name: Michael Kacergis
Title: Assistant Vice President
Date: March 15, 2003

500 Enterprise Road
Suite 150
Horsham, PA 19044

  Ex-99.3 (g)

Guaranty Residential Lending (logo)

Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2002 fiscal year:

(A) I have reviewed the activities and performance of the Servicer during the
    preceding fiscal year under the terms of the Servicing Agreement, Trust
    Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and
    to the best of these officers' knowledge, the Servicer has fulfilled all of
    its duties, responsibilities or obligations under Agreements throughout
    such year, or if there has been a default or failure of the servicer to
    perform any of such duties, responsibilities or obligations, a description
    of each default or failure and the nature and status thereof has been
    reported to Wells Fargo Bank Minnesota, N.A.;

(B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC
    servicer in good standing;

(C) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
    Policy and any other bonds required under the terms of the Servicing
    Agreement, Trust Agreement, Pooling and Servicing Agreement and/or Seller/
    Servicer Guide are in full force and effect;

(D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
    applicable) and Primary Mortgage Insurance Policy (if applicable), with
    respect to each Mortgaged Property, have been paid and that all such
    insurance policies are in full force and effect;

(E) All real estate taxes, governmental assessments and any other expenses
    accrued and due, that if not paid could result in a lien or encumbrance
    on any Mortgaged Property, have been paid, or if any such costs or
    expenses have not been paid with respect to any Mortgaged Property, the
    reason for the non-payment has been reported to Wells Fargo Bank Minnesota,
    N.A.;

(F) All Custodial Accounts have been reconciled and are properly funded; and

(G) All annual reports of Foreclosure and Abandonment of Mortgage Property
    required per section 6050H, 6050J, and 6050P of the Internal Revenue
    Code, respectively, have been prepared and filed.

Certified By:

/s/
Officer

Executive Vice President
Title

March 4, 2003
Date

P.O. Box 40
Austin, TX 78767-0040


  Ex-99.3 (h)

Washington Mutual (logo)

P.O. Box 1093
Northridge, CA 91328-1093

Officer's Certificate


The undersigned Officer certifies the following for the 2002 fiscal year:

A. I have reviewed the activities and performances of the Servicer during the
preceding fiscal year under the terms of each Servicing Agreement, Trust
Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to
the best this Officer's knowledge, the Servicer has fulfilled all of its
duties, responsibilities or obligations under these Agreements throughout such
year.

B. I have Confirmed that the Servicer is currently an approved FNMA or FHLMC
Servicer in good standing;

C. I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
Policy and any other bonds required under the terms of the Servicing Agreement,
Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide
are in full force and effect;

D. All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Primary Mortgage Insurance Policy (if applicable), with respect
to each Mortgaged Property, have been paid and that such insurance policies are
in full force and effect;

E. All real estate taxes, governmental assessments and any other expenses
accrued and due, that if not paid could result in a lien or encumbrance on any
Mortgage Property have been paid.  All Custodial Accounts have been reconciled
and are properly funded; and

F. All annual reports of Foreclosure and Abandonment of Mortgaged Property
required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
respectively, have been prepared and filed.

Certified By:

/s/ John MacLean
John MacLean

Vice President
Title

March 28, 2003
Date


  Ex-99.3 (i)

OCWEN    (logo)

OFFICER'S CERTIFICATION ON ANNUAL STATEMENT AS TO COMPLIANCE

March 13, 2002

Pursuant to the applicable sections of the Servicing Agreement, I, Ronald
M. Faris, as officer of Ocwen Federal Bank FSB (the "Bank"), confirm that a
review of the activities of the Bank during the calendar year ending on
December 31, 2002 and of the performance under the Servicing Agreements has
been made under my supervision.  To the best of my knowledge, based on such
review, the Bank has fulfilled all of its obligations under the Servicing
Agreements throughout such calendar year.

/s/ Ronald M. Faris
Ronald M. Faris

President, Ocwen Federal Bank FSB


Ocwen Federal Bank FSB
1675 Palm Beach Lakes Boulevard, West Palm Beach, FL 33401
Mail to: P.O. Box 24737, West Palm Beach, FL 33416-4737



Ex-99.3 (j)

Saxon    (logo)
Mortgage Services, Inc.

Dear Sir/Madam:

In accordance with the terms of our agreement, please find attached, the
Independent Accountants' Report and the Management Assertion for fiscal year
2002. Additionally, the undersigned Officer certifies, in all material respects,
the following for the 2002 fiscal year:

(a) I have reviewed the activities and performance of the Servicer during the
preceding fiscal year under the terms of the Servicing Agreement, Trust
Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide. To the
best of this Officer' knowledge, the Servicer has fulfilled all of its duties,
responsibilities or obligations under these Agreements throughout such year. If
there has been a default or failure of the Servicer to perform any of such
duties, responsibilities or obligations a description of each default or failure
and the nature and status.

(b) I have confirmed that the Servicer is currently an approved FNMA or FHLMC
Servicer in good standing:

(c) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
Policy and any other bonds required under the terms of the Servicing Agreement,
Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide
are in full force and effect;

(d) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Primary Mortgage Insurance Policy (if applicable), with respect
to each mortgaged Property, have been paid and that all such insurance policies
are in full force and effect;

(e) All real estate taxes, governmental assessments and any other expenses
accrued and due, that if not paid could result in a lien or encumbrance on any
Mortgaged Property, have been paid, or if any such costs or expenses have not
been paid with respect to any Mortgaged Property, the reason for the non-payment
has been reported.

(f) All Custodial Accounts have been reconciled and are properly funded.

(g) All annual reports of Foreclosure and Abandonment of Mortgage Property
required per section 6050j/6050p of the Internal revenue Code, respectively,
have been prepared and filed.

Certified By:

/s/ David Dill
David Dill
Executive Vice President

March 28, 2003

We are a debt collector. Any information obtained will be used for that purpose.

Saxon Mortgage Services, Inc. * 4708 Mercantile Drive North * Fort Worth, TX
76137-3605 P.O. Box 161489 * Fort Worth, TX 76161-1489 * (817) 665-7200 *
(817) 665-7400



  Ex-99.3 (k)



Washington Mutual (logo)

P.O. Box 1093
Northridge, CA 91328-1093

Officer's Certificate


The undersigned Officer certifies the following for the 2002 fiscal year:

A. I have reviewed the activities and performances of the Servicer during the
preceding fiscal year under the terms of each Servicing Agreement, Trust
Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to
the best this Officer's knowledge, the Servicer has fulfilled all of its
duties, responsibilities or obligations under these Agreements throughout such
year.

B. I have Confirmed that the Servicer is currently an approved FNMA or FHLMC
Servicer in good standing;

C. I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
Policy and any other bonds required under the terms of the Servicing Agreement,
Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide
are in full force and effect;

D. All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Primary Mortgage Insurance Policy (if applicable), with respect
to each Mortgaged Property, have been paid and that such insurance policies are
in full force and effect;

E. All real estate taxes, governmental assessments and any other expenses
accrued and due, that if not paid could result in a lien or encumbrance on any
Mortgage Property have been paid.  All Custodial Accounts have been reconciled
and are properly funded; and

F. All annual reports of Foreclosure and Abandonment of Mortgaged Property
required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
respectively, have been prepared and filed.

Certified By:

/s/ John MacLean
John MacLean

Vice President
Title

March 28, 2003
Date

  Ex-99.3 (l)

Wells Fargo Home Mortgage    (logo)

One Home Campus
Des Moines, IA 50328-0001

March 31, 2003

Re: 2002 Annual Certification

We hereby certify to the best of our knowledge and belief that for the calendar
year of 2002:

1. All real estate taxes, bonds assessments and other lienable items have
been paid.

2. All FHA mortgage insurance, private mortgage insurance premiums, and flood
insurance have been paid (if applicable).

3. Hazard insurance policies held by us meet the requirements as specified in
the servicing agreement, or those of a normal prudent lender if not specified,
and those premiums due have been paid.

4. We have made all property inspections as required.

5. Fidelity bond and Errors and Omissions insurance coverage currently exits.

6. That the Officer signing this certificate has reviewed the activities and
performance of the Servicer during the preceding fiscal year under the terms of
the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
Seller/Servicer Guide or similar agreements and to the best of this officer's
knowledge, the Servicer has fulfilled all of its duties, responsibilities or
obligations of such agreement throughout the year, or if there has been a
default or failure of the servicer to perform any such duties, responsibilities
or obligations, a description of each default or failure and the nature and
status has been reported.

Sincerely,

/s/ John B. Brown
John B. Brown
Vice President
Wells Fargo Home Mortgage Inc.





  Ex-99.4
   Schedule of Year-To-Date Principal and Interest Distributions to
   Certificateholders


   <TABLE>

   Class                            Interest          Principal               Losses            Ending Balance
   
                      <c>                   <c>                 <c>                <c>
   B-1                            77,737.73            23,271.15                0.00              1,245,036.15
   B-2                            62,195.04            18,618.40                0.00                996,106.83
   B-3                            46,640.23            13,961.98                0.00                746,982.73
   B-4                            52,867.02            15,825.98                0.00                846,710.28
   B-5                            18,656.08             5,584.79                0.00                298,793.09
   B-6                            21,772.56             6,517.71                0.00                348,705.95
   I-A                         2,444,837.78        23,580,954.00                0.00             31,454,079.53
   II-A                          675,420.22         4,703,722.29                0.00              6,892,188.66
   R-I                                 0.00                 0.00                0.00                      0.00
   R-II                                0.00                 0.00                0.00                      0.00
   </TABLE>