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

                                    FORM 10-K

              Annual Report Pursuant to Section 13 or 15 (d) of the
                         Securities Exchange Act of 1934
                   For the Fiscal year ended December 31, 2002

                        Commission file number 333-76246

                RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC.

                        State of Incorporation: Delaware
                I.R.S. Employer Identification Number: 42-1808858

                      8400 Normandale Lake Blvd., Suite 250
                          Minneapolis, Minnesota 55437
                            Telephone (952) 857-7000

        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  periods 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 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. __X__

Indicate  by check mark  whether  the  Registrant  is an  accelerated  filer (as
defined in Exchange Act Rule 12b-2). Yes ____ No __X__ .




<PAGE>


RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC.

TABLE OF CONTENTS


PART 1                                                                   PAGE #

Item 1.        Business                                                       2
Item 2.        Properties                                                     2
Item 3.        Legal Proceedings                                              2
Item 4.        Submission of Matters to a Vote of Security Holders            3

PART II

Item 5.        Market for the Registrant's Common Equity and Related          3
               Stockholder Matters
Item 6.        Selected Financial Data                                        3
Item 7.        Management's Discussion and Analysis of Financial              3
               Condition and Results of Operations
Item 7A.       Quantitative and Qualitative Disclosures About Market Risk     3
Item 8.        Financial Statements and Supplementary Financial Data          3
Item 9.        Changes in and Disagreements with Accountants on               3
               Accounting and Financial Disclosure

PART III

Item 10.       Directors and Executive Officers of the Registrant             4
Item 11.       Executive Compensation                                         4
Item 12.       Security Ownership of Certain Beneficial Owners and            4
               Management
Item 13.       Certain Relationships and Related Transactions                 4
Item 14.       Controls and Procedures                                        4
Item 15.       Principal Accountant Fees and Services                         4

PART IV

Item 16.       Exhibits, Financial Statement Schedules and Reports            5


SIGNATURES                                                                    6
CERTIFICATION                                                                 7
EXHIBITS
        Exhibit 99.1 -       Annual Statement as to Compliance
        Exhibit 99.2 -       Residential Funding Corporation Independent
                             Auditor's Report on the Uniform Single Audit
                             Program for Mortgage Bankers
        Exhibit 99.3 -       Part II, Item 5(b)
        Exhibit 99.4 -       Part III, Item 12(a)
        Exhibit 99.5 -       Audited  financial  statements  for the year  ended
                             December  31,  2002  for  Financial   Guaranty
                             Insurance Corporation.






                                       -1-


<PAGE>


PART I

Item 1.        Business

        Information not provided pursuant to Exemptive Order.

Item 2.        Properties

        Pursuant to the Exemptive Order,  Residential Funding Corporation's (the
        "Master Servicer") Annual Statement as to Compliance,  dated as of March
        31, 2003 is filed as Exhibit 99.1 under Item 16 (a) hereof.

Item 3.        Legal Proceedings

Except as noted below,  there are no material pending legal proceedings  related
to any series of Certificates  that involve the Trustee,  Custodian,  the Master
Servicer or the Registrant with respect to any such series.

The Owner Trustee for Home Loan Trust  1997-HI3 has been named as a defendant in
the following purported class-action lawsuit:

          Baker,  et. al. v. Century  Financial Group, et. al., Circuit Court of
          Clay County at Liberty Missouri.

The case was  initially  filed on July 12,  2001.  The case alleges that certain
loans  originated  by Century  Financial  Group,  Inc.  were not  originated  in
accordance  with  applicable  state  law and that the  trust may be liable as an
assignee  under the  federal  Home  Ownership  and Equity  Protection  Act.  The
plaintiffs  are  primarily   seeking  monetary  damages.   Residential   Funding
Corporation  ("RFC") does not currently  believe that any of the loans contained
in Home Loan Trust  1997-HI3  are  included  within the scope of the class.  The
trust is vigorously  defending  the case and will seek to be dismissed  from the
case.  RFC has  indemnified  the  Owner  Trustee  for  all  costs  and  expenses
associated with the litigation.  If any of the loans at issue were determined by
a court not to have been  originated in full compliance with applicable law, RFC
would be required to repurchase such loans from the trust.

The Indenture  Trustee for Home Loan Trust 2000-HI1 and Home Loan Trust 2000-HI2
has been named as a defendant in the following purported class-action lawsuit:

          Bumpers,  et. al. v. Community Bank of Northern Virginia and The Chase
          Manhattan  Bank,  as  Indenture  Trustee,  General  Court of  Justice,
          Superior Court Division, North Carolina.

The case was  initially  filed on  September  13,  2001.  The case  alleges that
certain  loans  originated  by  Community  Bank of  Northern  Virginia  were not
originated in accordance  with  applicable  state law and that the trusts may be
liable as assignees under the federal Home Ownership and Equity  Protection Act.
The plaintiffs are primarily seeking monetary damages.  Approximately  0.81% and
0.68% of the loans (by  aggregate  principal  balance  as of the  Cut-Off  Date)
contained  in  Home  Loan  Trust   2000-HI1   and  Home  Loan  Trust   2000-HI2,
respectively,  could be included  within the scope of the purported  class.  The
Indenture  Trustee for each of the trusts is  vigorously  defending the case and
has filed a Motion to Dismiss.  RFC has  indemnified  the Indenture  Trustee for
each trust for all costs and expenses associated with the litigation.  If any of
the loans at issue were  determined  by a court not to have been  originated  in
full  compliance  with  applicable law, RFC would be required to repurchase such
loans from the related trust.

                                       -2-

<PAGE>



The Indenture Trustee for Home Loan Trust 2000-HI2 has been named as a defendant
in the following class-action lawsuit:

          Couch,  et. al. v. SMC Lending,  Inc., et. al.,  Circuit Court of Clay
          County, Missouri.

The case was initially  filed on January 3, 2002.  The case alleges that certain
loans  originated by SMC Lending,  Inc. were not  originated in accordance  with
applicable  state law and that the trust may be liable as an assignee  under the
federal Home Ownership and Equity  Protection  Act. The plaintiffs are primarily
seeking  monetary  damages.  Approximately  0.09%  of the  loans  (by  aggregate
principal  balance as of the Cut-Off Date) contained in Home Loan Trust 2000-HI2
could be included within the scope of the class, which was certified on December
11, 2002. The Indenture Trustee is vigorously defending the case and has filed a
Motion to Dismiss.  RFC has indemnified the Indenture  Trustee for all costs and
expenses  associated  with the  litigation.  If any of the  loans at issue  were
determined  by a court  not to have  been  originated  in full  compliance  with
applicable law, RFC would be required to repurchase such loans from the trust.

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

        There were no matters submitted to a vote of the Security Holders.

PART II

Item 5.        Market for the Registrant's Common Equity and Related Matters.

     (a)  There is no established public trading market for the Securities.

     (b)  At  December  31,  2002,  the  number  of  holders  or  record of each
          outstanding  series of Securities is listed in Exhibit 99.3 under Item
          16 (a) hereof.

     (c)  Not applicable.

Item 6.        Selected Financial Data

        Information not provided pursuant to Exemptive Order.

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

        Information not provided pursuant to Exemptive Order.

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

        Information not provided pursuant to Exemptive Order.


Item 8.        Financial Statements and Supplementary Financial Data

        See the Master  Servicer's  Annual Statement of Compliance that is filed
        as Exhibit 99.1 under Item 16 (a) hereof; see also report dated March 7,
        2003  prepared  by  the  Master   Servicer's   independent   accountant,
        concerning the Master Servicer's  servicing  activities that is filed as
        Exhibit 99.2 under Item 16 (a) hereof.

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

        Not applicable.

                                       -3-

<PAGE>


                                           PART III

Item 10.        Directors and Executive Officers of the Registrant

        Information not provided pursuant to Exemptive Order.

Item 11.       Executive Compensation

        Information not provided pursuant to Exemptive Order.

Item 12.       Security Ownership of Certain Beneficial Owners and Management

     (a)  Each holder of record of more than five percent (5%) of the fractional
          undivided  interest  in a  Mortgage  Pool  evidenced  by a  series  of
          Securities, outstanding at December 31, 2002 is listed in Exhibit 99.4
          under Item 16 (a) hereof.

     (b)  Not applicable.

     (c)  Not applicable.

Item 13.       Certain Relationships and Related Transactions

        Information not provided pursuant to Exemptive Order.

Item 14.       Controls and Procedures

        Information not required pursuant to Rule 307(c) of Regulation S-K.

Item 15.        Principal Accountant Fees and Services.

        Not applicable.



                                       -4-


<PAGE>


PART IV

Item 16.   Exhibits, Financial Statement Schedules and Reports on Form 8-K

(a) Exhibit #

        Officer's Annual Compliance Statements                          99.1
        Residential Funding Corporation

        Residential Funding Corporation Independent Auditor's           99.2
        Report on the Uniform Single Audit Program for Mortgage
        Bankers

        Part II, Item 5(b)                                              99.3

        Part III, Item 12(a)                                            99.4

        Audited  financial  statements for the year ended December 31, 99.5 2002
        for Financial Guaranty Insurance Corporation.


        Audited  financial  statements  for the year ended December 31, 2002 for
        Ambac Financial Group, Inc.*

        Audited  financial  statements  for the year ended December 31, 2002 for
        Financial Guaranty Insurance Corporation.**

        Audited  financial  statements  for the year ended December 31, 2002 for
        Municipal Bond Investors Assurance Corporation.***


     (b)  See Item 2.

     (c)  Not Applicable

     (d)  Not  Applicable.  No annual report or proxy  material has been sent to
          security holders.


__________________________

*       Incorporated by reference to the audited  financial  statements of Ambac
        Financial Group, Inc. filed with the Securities and Exchange  Commission
        on March 28, 2003 as part of its Annual Report on Form 10-K  (Commission
        File #1-10777) for the twelve-month period ended December 31, 2002.

**      Attached hereto as Exhibit 99.5.  1

***     Incorporated by reference to the audited financial statements of
        Municipal Bond Investors Assurance Corporation, Inc. filed with the
        Securities and Exchange Commission on or about March 31, 2003 as part of
        its Annual Report on Form 10K (Commission File #1-9583)for the twelve-
        month period ended December 31, 2002.



_______________

1 To be provided upon receipt.


                                       -5-


<PAGE>


                                              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,  thereto  duly  authorized,  on this 31st day of
March, 2003.



RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC.

        By:    RESIDENTIAL FUNDING CORPORATION, as Master Servicer

        By: /s/ Robert Appel
        Name: Robert Appel
        Title:  Managing Director, Master Servicing










































<PAGE>


                                  CERTIFICATION


        I, Robert Appel, 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  Residential
Funding Mortgage Securities II, Inc.;

        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. I am  responsible  for  reviewing  the  activities  performed  by the
servicer under the pooling and servicing,  or similar,  agreement and based upon
my knowledge and the annual compliance review required under that agreement, and
except as disclosed in the reports,  the servicer has fulfilled its  obligations
under that 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 unaffiliated parties listed herein in Annex I
attached hereto.


Date: March 31, 2003

/s/ Robert Appel
Robert Appel
Managing Director, Master Servicing




<PAGE>


                                     Annex I

Subservicers:

1st 2nd Mortgage Company of NJ, Inc.
ABN AMRO Mortgage Group, Inc.
Accredited Home Lenders, Inc.
Alliance Mortgage Company
American Airlines Federal Credit Union
American Savings Bank, FSB
Bank of America, N.A.
Bank of Hawaii
Bank of Oklahoma, N.A.
Bank One, N.A.
Bank-Fund Staff Federal Credit Union
Bath Savings Institution
Bay State Federal Savings Bank
Boston Federal Savings Bank
Branch Banking & Trust Company
BSI Financial Services, Inc.
Carolina First Bank
Cendant Mortgage Corporation
Cenlar Federal Savings Bank
Central Carolina Bank & Trust
Central Pacific Bank
Century Bank
Charter One Mortgage Corporation
Chase Manhattan Mortgage Corporation
Chevy Chase Bank, FSB
CitiMortgage, Inc.
City Bank
Colonial Savings, F.A.
Columbia Equities, Ltd.
Columbia National, Inc.
Countrywide Home Loans, Inc.
Crescent Bank & Trust Company
Cuna Mutual Mortgage Corporation
Dollar Bank, FSB
Downey Savings & Loan Association, F.A.
E.M.C. Corporation
Emigrant Mortgage Company
Fairbanks Capital Corporation
Fifth Third Bank
First Bank
First Federal Bank of California
First Hawaiian Bank
First Horizon Home Loan Corporation
First Indiana Bank
First Interstate Bank
First Mortgage Corporation
First National Community Bank
First Nationwide Mortgage Corporation
First Republic Bank
First West Mortgage Bankers, Ltd.
First-Citizens Bank And Trust Company of SC
FirstMerit Corporation
Franklin National Bank
Fremont Bank
G E Capital Mortgage Services, Inc.
Gardiner Savings Institution
Gateway Business Bank
GMAC Mortgage Corporation
GN Mortgage Corporation
Golden First Mortgage Corporation
Graystone Mortgage Corporation
Greenpoint Mortgage Funding, Inc.
Guaranty Residential Lending, Inc.
Guardian Mortgage Company, Inc.
Hawaii HomeLoans, Inc.
Home Financing Center, Inc.
HomeComings Financial Network
HomeSide Lending, Inc.
HomeStreet Bank
HSBC Mortgage Corporation (Usa)
Hudson United Bank
Huntington Mortgage Company (The)
International Bank of Commerce
Irwin Mortgage Corporation
Liberty Lending Services, Inc.
Lighthouse Community Bank
Litton Loan Servicing L.P.
M & T Mortgage Corporation
Master Financial, Inc.
Matrix Financial Services Corporation
Metropolitan Bank And Trust Company
Midamerica Bank, FSB
Mid-State Bank & Trust
Mitchell Mortgage Company, L.L.C.
Mortgage Lenders Network USA, Inc.
Mountain States Mortgage Center, Inc.
National City Mortgage Company
New Mexico Mortgage Finance Authority
Northern Trust Company (The)
Ocwen Financial Corporation
Partners Federal Credit Union
Plymouth Savings Bank
Primewest Mortgage Corporation
Provident Credit Union
Provident Funding Associates, L.P.
Provident Savings Bank, FSB
Quaker City Bank
RBC Centura Bank
Republic Bank
Santa Barbara Bank & Trust
Saxon Mortgage Services, Inc.
Sky Financial Group, Inc.
Stanford Federal Credit Union
Suntrust Mortgage, Inc.
Synovus Mortgage Corporation
Taylor, Bean & Whitaker Mortgage Corporation
TIB, The Independent Bankers Bank
Trustcorp Mortgage Company
U.S. Alliance Federal Credit Union
U.S. Bank, N.A.
Ulster Savings Bank
Union Bank of California, N.A.
Valley National Bank
Wachovia Mortgage Corp.
Wall Street Mortgage Bankers
Washington Mutual Bank, F.A.
Weichert Financial Services
Wells Fargo Home Mortgage, Inc.
Westamerica Bank
Wilshire Credit Corporation

Trustees:


JPMorgan Chase Bank