SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 10-K/A

[X]     Annual  report  pursuant  to  Section  13 or  15(d)  of the Securities
        Exchange Act of 1934 for the period from February 1, 2001
        (Commencement of Operations) to December 31, 2001.

[ ]     Transition report pursuant to Section 13 or 15(d) of the
        Securities Exchange Act of 1934 for the transition period from   to

                        Commission File Number  333-35026-08

                    STRUCTURED ASSET SECURITIES CORPORATION
             (Exact name of registrant as specified in its charter)

         Delaware                                             74-2440850
(State or other jurisdiction of                           I.R.S. Employer
incorporation or organization)                            Identification No.)


200 Vesey Street
New York, NY                                              10285
(Address of principal executive offices)                 (Zip Code)

Registrant's telephone number, including area code : (212) 526-5594

   Structured Asset Securities Corporation Mortgage Pass-Through Certificates
                                 Series 2001-3A
            (Title of each class of securities covered by this Form)

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 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/A or any  amendment to
this Form 10-K/A. [X]

Documents incorporated by reference:  None



<PAGE>
AMENDMENT NUMBER 1 OF 1


Structured Asset Securities Corporation Mortgage Pass-Through Certificates
Series 2001-3A
--------------------------------------------------------

PART IV

Item 14. Exhibits, Financial Statement Schedules and Reports on Form 8-K

(a) The following documents are filed as part of this report:

    (1) Financial Statements:
         Omitted.

    (2)  Financial Statement Schedules:
         Omitted.

    (3)  Exhibits:

     Annual  Servicer  Statement of  Compliance, filed as Exhibit 99.1 hereto.
     Annual Statement of  Independent  Accountants Report for the Servicer,
        filed as Exhibit 99.2 hereto.

(b)  Reports on Form 8-K: The following  Current  Reports on Form 8-K were
     filed by the Registrant during the last quarter of 2001.

     Current Reports on Form 8-K, dated, October 25, 2001, November 26, 2001 and
     December 26, 2001, were filed for the purpose of filing the Monthly
     Statement sent to the Holders of the Offered  Certificates for payments
     made on the same dates. The items reported in such Current Report
     were Item 5 (Other Events).

(c)   Exhibits to this report are listed in Item (14)(a)(3) above.


<PAGE>


SIGNATURE

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.


                                    JPMORGAN CHASE BANK,
                                    not in its individual capacity but solely
                                    as Trustee under the Agreement referred
                                    to herein


Date:  September 5, 2002             By: /s/ Mark McDermott
                                     ----------------------------------
                                        Mark McDermott
                                        Assistant Vice President




<PAGE>


                                 EXHIBIT INDEX

Exhibit     Description

 99.1       Annual Statement of Compliance
 99.2       Annual Independent Public Accountant's Servicing Report

<page>



EXHIBIT 99.1 - Servicer's Annual Statement of Compliance



Aurora Loan Services Inc.
Corporate Headquarters
2530 S. Parker Rd., Suite 601
Aurora, CO  80014


VIA UPS

August 28, 2002

Nadezhka Thomas
Institutional Trust Services
JPMorgan Chase Bank
fka The Chase Manhattan Bank
450 West 33rd Street, 14th Floor
New York, NY  10001-2697

RE:  SASCO Series 2001-3A
     Annual Officer's Certificate as to Compliance

Dear Institutional Trust Services:

     The  undersigned  Officer  certifies  the  following  for the period ending
December 31, 2001:

     1. I have reviewed the  activities and  performance of the Master  Servicer
during the preceding  calendar year under the terms of the Trust  Agreements and
to the best of this Officer's  knowledge,  the Master Servicer has fulfilled all
of its duties, responsibilities or obligations under the Agreements;

     2. Based on said review and to the best of this  Officer's  knowledge,  the
Master  Servicer  is not in  default of its  obligations  under the terms of the
Trust  Agreements  in any  material  respect,  or, if there is a default  in the
fulfillment of its obligations, a description of each default or failure and the
nature and status thereof has been reported to this Officer;

     3.To the best of this Officer's knowledge,  nothing has arose to lead this
Officer to believe  that its  Servicer  has failed to perform any of its duties,
responsibilities  and  obligations  under its  Servicing  Agreement  during  the
preceding calendar year;

     4. To the best of this Officer's knowledge,  the Servicer is not in default
of its  obligations  under the terms of its Servicing  Agreement in any material
respect,  or, if there is a default in the  fulfillment  of its  obligations,  a
description  of each  default or failure  and the nature and status  thereof has
been reported to this Officer;

     5. The Master  Servicer has  received  from its  Servicer  such  Servicer's
annual  certificate  of compliance  and a copy of such  Servicer's  annual audit
report,  in each case to the  extent  required  under the  applicable  Servicing
Agreement.

Certified by:

/s/ R. Peter Karr
----------------------------
R. Peter Karr
Vice President
Master Servicing Division



<page>

EXHIBIT 99.2 - Annual Independent Public Accountant's Servicing Report


Ernest & Young LLP
Suite 3300
370 17th Street
Denver, CO  80202-5663

Report of Independent Auditors

Board of Directors
Aurora Loan Services Inc.

     We have  audited the  accompanying  statements  of  financial  condition of
Aurora Loan Services Inc. (the  "Company") as of November 30, 2001 and 2000, and
the related statements of operations,  stockholder's  equity, and cash flows for
the years then ended.  These financial  statements are the responsibility of the
Company's  management.  Our  responsibility  is to  express  an opinion on these
financial statements based on our audits.

     We conducted our audits in accordance  with  auditing  standards  generally
accepted in the United States and the standards  applicable to financial  audits
contained in Government Auditing Standards, issued by the Comptroller General of
the United States. Those standards require that we plan and perform the audit to
obtain reasonable  assurance about whether the financial  statements are free of
material  misstatement.  An audit includes  examining on a test basis,  evidence
supporting  the amounts and  disclosures in the financial  statements.  An audit
also includes assessing the accounting principles used and significant estimates
made by  management,  as well as  evaluating  the  overall  financial  statement
presentation.  We believe  that our audits  provide a  reasonable  basis for our
opinion.

     In our opinion,  the financial statements referred to above present fairly,
in all material  respects,  the financial position a November 30, 2001 and 2000,
and the results of its operations and its cash flows for the year then ended, in
conformity with accounting principles generally accepted in the United States.

     Our  audits  were  conducted  for the  purpose of forming an opinion on the
financial  statements  taken as a whole. The Schedule of GNMA Adjusted Net Worth
and GNMA Required Net Worth,  Schedule of GNMA Required Fidelity Bond and Errors
and Omissions Coverage and Computation of Adjusted Net Worth for Recertification
of  Nonsupervised  Mortgages other than Loan  Correspondents  as of November 30,
2001 are presented  for purposes of  additional  analysis and are not a required
part of the financial  statements.  Such  information  has been subjected to the
auditing procedures applied in our audit of the financial statements and, in our
opinion,  is fairly stated in all material respects in relation to the financial
statements taken as a whole.

     In accordance with Government Auditing  Standards,  we have issued a report
dated December 28, 2001 on our  consideration of the Company's  internal control
over financial  reporting and our tests of its compliance  with certain laws and
regulations. That report is an integral part of an audit performed in accordance
with  Government  Standards and should be read in  conjunction  with this report
when considering the results of our audits.

Ernest & Young LLP

December 28, 2001