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 numbers:  333-82904-04

                        Structured Asset Securities Corp.
               Mortgage Pass-Through Certificates, Series 2002-13

                        State of Incorporation:  Deleware
               I.R.S. Employer Identification Number:  13-2518466

                          745 Seventh Avenue, 7th Floor
                               New York, NY  10019



       Securities registered pursuant to Section 12(b) of the Act:  None
       Securities registered pursuant to Section 12(g) of the Act:  None

Indicate 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 ___

Item 1.  Business:

     Not applicable.

Item 2.  Properties:

     Not applicable.

Item 3.  Legal Proceedings:

     The registrant knows of no material pending legal proceedings involving
     the trust created under the Pooling and Servicing Agreement (the Trust),
     the Trustee, the Master Servicer or the registrant with respect to 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.

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

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

(b)  Records provided by the Trustee indicate that there are approximately
     39 holders of record of each class of certificates as of the end of the
     reporting year.

(c)  Not applicable.

Item 6.  Selected Financial Data.

     Not applicable.

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

     Not applicable.

Item 8.  Financial Statements and Supplementary Data.

     Not applicable.

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

     Not applicable.

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

(a)  Not applicable.

(b)  Not applicable.

(c)  Not applicable.

Item 13. Certain Relationships and Related Transactions.

     Not applicable.

Item 14. Controls and Procedures

     Not applicable.

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

(a)  Exhibits

     1    Report of Management as to compliance
          with minimum servicing standards
          for the year ended December 31, 2002
          Aurora Loan Services Inc, as servicer

     2    Annual Independent Accountant's Servicing Report ("USAP")
          for the year ended December 31, 2002
          Aurora Loan Services Inc. as servicer

     3    Report of Management as to compliance
          with minimum servicing standards
          for the year ended December 31, 2002
          Bank of America, as servicer

     4    Annual Independent Accountant's Servicing Report ("USAP")
          for the year ended December 31, 2002
          Bank of America, as servicer

     5    Report of Management as to compliance
          with minimum servicing standards
          for the year ended December 31, 2002
          National City Mortgage Co., as servicer

     6    Annual Independent Accountant's Servicing Report ("USAP")
          for the year ended December 31, 2002
          National City Mortgage Co., as servicer

     7    Report of Management as to compliance
          with minimum servicing standards
          for the year ended December 31, 2002
          Wells Fargo Home Mortgage Inc., as servicer

     8    Annual Independent Accountant's Servicing Report ("USAP")
          for the year ended December 31, 2002
          Wells Fargo Home Mortgage Inc., as servicer

     9    Report of Management as to compliance
          with minimum servicing standards
          for the year ended December 31, 2002
          First Horizon Home Loan Corporation <F1>, as servicer

     10   Annual Independent Accountant's Servicing Report ("USAP")
          for the year ended December 31, 2002
          First Horizon Home Loan Corporation <F1>, as servicer

     11   Annual Statement of Compliance
          for the year ended December 31, 2002
          Aurora Loan Services Inc., as Master Servicer

     12   Aggregate Statement of Principal and Interest Distributions
          to Certificate Holders for the year ended December 31, 2002


(b)  On November 06, 2002 and November 29, 2002
     reports on Form 8-K were filed 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.



                                   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.


Date:  March 31, 2003
       --------------

     Filed on behalf of Structured Asset Securities Corp.,
     by Aurora Loan Services, Inc. as Master Servicer
     for Structured Asset Securities Corp.,
     Mortgage Pass-Through Certificates, Series 2002-13.


     By:       /s/ E. Todd Whittemore
               ------------------------------
     Name:     E. Todd Whittemore
     Title:    Executive Vice President
     Company:  Aurora Loan Services Inc.


<F1>  Such document (i) is not filed herewith since such document was not
      received by the reporting person at least three (3) business days prior
      to the due date covered by this report and (ii) will be included in an
      amendment to this report on Form 10-K/A to be filed within 30 days of
      the reporting person's receipt of such document.  The reporting person
      does not have knowledge of the contents of any such report.


                                  CERTIFICATION

I, E. Todd Whittemore, Executive Vice President of Aurora Loan Services Inc.,
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 the trust
     (the "Trust") created pursuant to the Trust Agreement
     dated June 1, 2002 (the "Agreement") among Structured Asset
     Securities Corp. (the "Depositor"), Aurora Loan Services Inc. (the
     "Master Servicer") and Citibank, N.A. (the "Trustee");

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 mis-
     leading as of the last day of the period covered by this annual report;

3.   Based on my knowledge, the servicing information required to be provided
     to the trustee by the servicer under the 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 Agreement and based upon my knowledge and the annual
     compliance review required under the Agreement, and except as disclosed
     in the reports, the servicer has fulfilled its obligations under
     the 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 as set forth in the 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: Citibank, N.A., as
trustee; . Bank of America, N.A., as servicer; First Horizon Home Loan
Corporation, as servicer; National City Mortgage Corporation, as servicer;
Wells Fargo Home Mortgage, Inc., as servicer.

Date:  March 31, 2003
       --------------

By:       /s/ E. Todd Whittemore
          --------------------------
Name:     E. Todd Whittemore
Title:    Executive Vice President
Company:  Aurora Loan Services Inc.