SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C.  20549

                                  FORM 10-K



                    Pursuant to Section 13 or 15(d) of the
                        Securities Exchange Act of 1934


(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, 2003

 or

[    ] Transition Report Pursuant to Section 13 or 15d of the Securities
Exchange Act of 1934
For the transition period from _____________  to ________

Commission file Number   333-100669-12

Credit Suisse First Boston Mortgage Securitites Corp.
(Exact name of registrant as specified in its charter)

Delaware                          13-3320910
(State or other jurisdiction      (I.R.S. Employer
of incorporation or organization)  Identification No.)

11 Madison Avenue, 4th Floor
New York, NY                                             10010
(Address of Principal Executive Offices)         (Zip Code)

Registrant's telephone number, including area code:           212-325-2000

Credit Suisse First Boston Mortgage Securitites Corp.
Home Equity Asset Trust Mortgage Pass-Through Certificates Series HEAT 2003-3
(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 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.
      X - Yes       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 Rule 12b-2 of the Securities Exchange Act of 1934).
      Yes           X - No


                                    PART I

Item 1.  Business

      Not applicable.

Item 2.  Properties

      Not applicable on reliance of Relief Letters

Item 3. Legal Proceedings

      There were no legal proceedings.

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 Registrant's Common Equity and Related Stockholder matters

      As of December 31, 2003, the Trust had Twenty-Five (25) holders
      of record of the Notes, computed in accordance with Rule 12g5-1
      under the Securities Exchange Act of 1934, as amended.

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 Information required by Item 304 of Reg. S-K.

      Not applicable.


                                   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. Principal Accounting Fees and Services.

      Not applicable.


                                    PART IV

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

      (a) 1.  Not Applicable
            2.  Not Applicable
            3.  Exhibits
               99.1 Annual Statement of Compliance
		(a) Fairbanks Capital Corp.
		(b) Ocwen Federal Bank FSB
               99.2 Report of Independent Accountants
		(a) Fairbanks Capital Corp.
		(b) Ocwen Federal Bank FSB
               99.3 Report of Management
		(a) Fairbanks Capital Corp.
		(b) Ocwen Federal Bank FSB


      (b)   Reports on Form 8-K
      The registrant has filed Current Reports on Form 8-K with the
      Securities and Exchange Commission dated:
      May 27, 2003; June 25, 2003; July 25, 2003; August 25, 2003;
      September 25, 2003; October 27, 2003; November 25, 2003;
      December 26, 2003

      (c)    See (a) 3 above

      (d)    Not Applicable



                    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.

Credit Suisse First Boston Mortgage Securitites Corp.
Home Equity Asset Trust Mortgage Pass-Through Certificates Series HEAT 2003-3

      /s/  Andrew Kimura

      Name:  Andrew Kimura

      Title:  President

      Company:  Credit Suisse First Boston Mortgage Securities Corp.

      Date:  March 26, 2004



Sarbanes-Oxley Certification

I, Andrew Kimura, 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
Credit Suisse First Boston Mortgage Securitites Corp.
Home Equity Asset Trust Mortgage Pass-Through Certificates Series HEAT 2003-3

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:

U.S. Bank National Association, as Trustee
Fairbanks Capital Corp., as Servicer
Ocwen Federal Bank FSB, as Servicer



Date:               March 26, 2004

Signature:          /s/ Andrew Kimura

Company:            Credit Suisse First Boston Mortgage Securities Corp.

Title:              President


                    EXHIBIT INDEX

     Exhibit Number Description
               99.1 Annual Statement of Compliance
		(a) Fairbanks Capital Corp.
		(b) Ocwen Federal Bank FSB
               99.2 Report of Independent Accountants
		(a) Fairbanks Capital Corp.
		(b) Ocwen Federal Bank FSB
               99.3 Report of Management
		(a) Fairbanks Capital Corp.
		(b) Ocwen Federal Bank FSB

       EXHIBIT 99.1 -- Servicer's Annual Statement of Compliance

(a)

FAIRBANKS CAPITAL CORP.

Agreement:  Credit Suisse First Boston Mortgage Securities Corp.,
 Depositor, DLJ Mortgage Capital Inc., Seller, Fairbanks Capital
Corp., Servicer, The MurrayHill Company, Credit Risk Manager and
U.S. Bank National Association, Trustee - Pooling and Servicing
Agreement - Home Equity Asset Trust 2003-3

Dated:	    04/01/2003

ANNUAL STATEMENT AS TO COMPLIANCE

In accordance with the applicable section in each of the Pooling and
Servicing Agreements specified:

i. a review of the activities of the Servicer during the year ended
December 31, 2003 and of performance under this Agreement has been
made under such officers' supervision; and
ii. to the best of such officers' knowledge,based on such review, the
Servicer has fulfilled all of its obligations under this Agreement
throughout such year.

February 7,2004


/s/	Matt Hollingsworth
	Matt Hollingsworth
	Chief Operating Officer
	Fairbanks Capital Corp.


(b)

Ocwen Federal Bank FSB
Compliance Certification Year Ended December 31, 2003
Home Equity Pass-Through Certificates, 2003-3

The undersigned Officer of Ocwen Federal Bank FSB (the "Servicer") confirms
that (i) a review of the activities of the Servicer during the calendar year
ending on December 31, 2003 and of the performance of the Servicer under the
Pooling and Servicing Agreement for Home Equity Asset Trust 2003-3 dated
April 1, 2003 (the "Servicing Agreement") has been made under his
supervision. Except as noted on the Management Assertion on Compliance with
USAP to the best of the undersigned Officer's knowledge, based on such
review, the Servicer has fulfilled all of its obligations as set forth in
the Servicing Agreement.


By:  /s/ Scott W. Anderson
     Scott W. Anderson, Senior Vice President 		Dated: March 12, 2004


       EXHIBIT 99.2 -- Report of Independent Accountants

(a)

Ernst & Young LLP
725 South Figueroa Street
Los Angeles, California 90017-5418
Phone: (213) 977-3200
www.ey.com

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

Board of Directors
Fairbanks Capital Corp.

We have examined management's assertion, included in the accompanying
report titled Report of Management, that Fairbanks Capital Corp.
("Fairbanks") 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 31,2003.
Management is responsible for Fairbanks' compliance with those requirements.
Our responsibility is to express an opinion on management's assertion about
Fairbanks' 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 Fairbanks'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 Fairbanks' compliance with specified requirements.

In our opinion, management's assertion that Fairbanks complied with the
aforementioned requirements during the year ended December 31, 2003, is
fairly stated, in all material respects.

This report is intended solely for the information and use of the Board of
Directors, Audit Committee, management, Fannie Mae, Freddie Mac, Ginnie Mae
and other investors in serviced assets and is not intended to be and should
not be used by anyone other than these specified parties.

\s\Ernst & Young LLP
   January 19,2004


(b)

PricewaterhouseCoopers LLP
222 Lakeview Avenue,Suite 360
West Palm Beach, FL 33401
Telepholne (561) 832 0036
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 reconciliations described in the
third paragraph and the noncompliance related to
interest on escrows described in the fifth 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 31,2003. 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 consider 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 nonclompiance with minimum servicing
standards related to account reconciliations and interest
on escrows, applicable to the Bank during the year ended
December 31, 2003. 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, 2003 is fairly stated, in all
material respects.

By:  /s/ PricewaterhouseCoopers LLP
     PricewaterhouseCoopers LLP        Dated March 12, 2004


       EXHIBIT 99.3 -- Report of Management

(a)

FAIRBANKS CAPITAL CORP.

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 Fairbanks Capital Corp. (Fairbanks), 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 performed an evaluation of Fairbanks' compliance with
the minimum servicing standards set forth in USAP as of December 31, 2003
and for the year then ended. Based on this evaluation, we assert that during
the year ended December 31, 2003, Fairbanks complied, in all material
respects, with the minimum servicing standards set forth in USAP.

As of December 31, 2003 and for the year then ended, Fairbanks had in
effect a fidelity bond in the amount of $55,000,000 and an errors and
omissions policy in the amount of $20,000,000.

/s/ James H. Ozanne
    James H. Ozanne
    Chief Executive Officer

/s/ Matthew L. Hollingsworth
    Matthew L. Hollingsworth
    Chief Operating Officer

/s/ Barbara K. Wing
    Barbara K. Wing
    Senior Vice President and Controller

    January 19,2004


(b)

Ocwen

MANAGEMENT ASSERTION ON COMPLIANCE WITH USAP

March 12, 2004

As of and for the year ended December 31, 2003,
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: 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 of 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.

Certain reconciling items which arose during the year ended
December 31, 2003 were not specifically identified and/or
were not cleared within 90 days of their original
identification. Management has developed and implemented
an action plan and continues to resolve outstanding reconciling
items. An significant reconciling items have been isolated and
reviewed by the Company, and the Company believes these items
will not have a material impact on the status of any
custodial accounts.

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, 2003. The Bank
has corrected the affected accounts by paying or crediting
the appropriate interest on escrow. The Bank is currently
implementing an enhancement to its REALServicingTM 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 an errors
and omissions policy in the amount of $5,000,000.

By:  /s/ Ronald M. Faris
     Ronald M. Faris,  President
     Dated: March 12, 2004


By:  /s/ Scott W. Anderson
     Scott W. Anderson, Senior Vice President
	                of Residential Assets
     Dated: March 12, 2004

By:  /s/ Brian J.LaForest
     Brian J.LaForest, Director of lnvestor Reporting
     Dated: March 12, 2004