------------------
                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
                               ------------------


                                    FORM 10-K

[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

[ ]      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 333-69800-05
                                                                  ------------

                               CHEC FUNDING, LLC
             on behalf of itself and the Trust described below with
                      respect to which it is the depositor
             (Exact name of registrant as specified in its charter)


         Delaware                                       76-2851805
 (State or other jurisdiction of               (IRS Employer Identification No.)
       incorporation)

      2728 North Harwood
        Dallas, Texas                                     75201
(Address of principal executive offices)                (Zip Code)

Registrant's telephone number, including area code :  (214) 981-5000

        Centex Home Equity Loan Asset-Backed Certificates, Series 2003-A,
                 issued by Centex Home Equity Loan Trust 2003-A
           (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 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]

                   Documents incorporated by reference: None




<PAGE>

CHEC FUNDING, LLC
Centex Home Equity Loan Trust 2003-A
Centex Home Equity Loan Asset-Backed Certificates, Series 2003-A
-----------------------------------------------------------------------

PART I

Item 1. Business

        Not applicable.

Item 2. Properties

        Not applicable.

Item 3. Legal Proceedings

        The Registrant is not aware of any material legal  proceeding  with
        respect to itself, the Servicer or the Trustee, as related to the Trust.

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

        No matter was submitted to a vote or consent of  Holders of the Offered
        Certificates during the fiscal year covered by this report.


PART II

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

        There is currently no established public trading market for the
        certificates issued by the Trust.

        There are less than 300 participants in the DTC System.
        As of December 31, 2003 the total number of such DTC participants
        with respect to each class of certificates is set forth below:

        Class     AF_1     4
        Class     AF_2     1
        Class     AF_3     2
        Class     AF_4     8
        Class     AF_5     1
        Class     AF_6     3
        Class     AV_1     9
        Class     AV_2     4
        Class      M_1     1
        Class      M_2     6
        Class      M_3     3
        Class       B      2

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

       There was no change of accountants or disagreement with accountants on
       any matter of accounting principles or practices or financial disclosure.


                                      -2-

<PAGE>

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

     The certificates are represented by one or more certificates  registered in
     the name of Cede & Co.,  the nominee of The  Depository  Trust  Company.  A
     beneficial  owner of  certificates  is not entitled to receive a definitive
     certificate    representing   such   certificates,    except   in   limited
     circumstances.  Accordingly, Cede & Co. is the sole holder of certificates,
     which it holds on behalf of brokers,  dealers, banks and other participants
     in the DTC system.  Such  participants may hold  certificates for their own
     accounts or for the accounts of their customers.

     The address of Cede & Co. is:
     Cede & Co.
     c/o The Depository Trust Company
     Seven Hanover Square
     New York, New York  10004

Item 13. Certain Relationships and Related Transactions

         No reportable transactions have occurred.

Item 14. Principal Accounting Fees and Services

         Not applicable.

PART IV

Item 15. 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:

   Rule 13a-14(a)/15d-14(a) Certification filed as Exhibit 33.1 hereto.
   Annual Summary Statement filed as Exhibit 99.1 hereto.
   Annual Independent Accountant's Report filed as Exhibit 99.2 hereto.
   Annual Statement as to Compliance filed as Exhibit 99.3 hereto.

(b) Reports on Form 8-K: The following  Current Reports on Form 8-K with respect
    to the Trust were filed by the Registrant for the last quarter of 2003.

    Current Reports on Form 8-K dated  October 27, 2003,  November  25,  2003,
    and December 26, 2003 were filed for the  purpose of filing the  Monthly
    Statement sent to the Holders of the Offered  Certificates  for payments
    made on the same date. The items reported in such Current Report were
    Item 5 and Item 7.

(c)  Exhibits to this report are listed in Item (15)(a)(3) above.

(d) Not applicable.

                                      -3-

<PAGE>

CHEC FUNDING, LLC
Centex Home Equity Loan Trust 2003-A
Centex Home Equity Loan Asset-Backed Certificates, Series 2003-A
-------------------------------------------------------------------------------


SIGNATURE

Pursuant to the  requirements of Section 13 or 15(d) of the Securities  Exchange
Act of 1934,  the Servicer of the Trust has duly caused this report to be signed
on its behalf by the undersigned thereunto duly authorized.


                        Centex Home Equity Company, LLC, as Servicer of the
                        Centex Home Equity Loan Trust 2003-A

                   By:
                        /s/ Jesse K. Bray
                        --------------------------------------
                   Name:    Jesse K. Bray
                   Title:   Executive Vice President/Chief Financial Officer

                   Date:  March 30, 2004



                                      -4-
<PAGE>

<page>

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

The  registrant  has not sent an annual report or proxy material to its security
holders.  The registrant  will not be sending an annual report or proxy material
to its security holders subsequent to the filing of this form.

                                      -5-
<PAGE>


                                 EXHIBIT INDEX

Exhibit     Description

 31.1       Rule 13a-14(a)/15d-14(a) Certification
 99.1       Annual Summary Statement
 99.2       Annual Independent Accountant's Report
 99.3       Annual Statement as to Compliance




                                      -6-
<PAGE>
                                  EXHIBIT 31.1
                     Rule 13a-14(a)/15d-14(a) Certification
                          ---------------------------


                          SARBANES-OXLEY CERTIFICATION


I, Jesse K. Bray, 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 Centex Home Equity Loan
Trust 2003-A;

     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 following  unaffiliated  parties  JPMorgan Chase Bank, as
Trustee.

                   By:
                        /s/ Jesse K. Bray
                        --------------------------------------
                 Name:  Jesse K. Bray
              Company:  Centex Home Equity Company, LLC as Servicer
                Title:  Executive Vice President/Chief Financial Officer

                 Date:  March 30, 2004

                                      -7-


<page>


                                  EXHIBIT 99.1
                            Annual Summary Statement

<table>



       <c>       <c>

---------------------------------------------------------------------------------------------------------------------------------
CLASS           CUSIP         ORIGINAL          PAID               PAID           TOTAL PAID      ENDING PRIN     CERT POOL FACTOR
                             PRINCIPAL        PRINCIPAL           INTEREST                        BALANCE       (12/26/03 Per 1000)
---------------------------------------------------------------------------------------------------------------------------------
CTX03A-AF-1   152314GH7   $ 85,250,000.00  $ 52,891,252.74    $ 1,130,169.79    $ 54,021,422.53    $ 32,358,747.26     379.57474792
CTX03A-AF-2   152314GJ3   $ 15,500,000.00  $          0.00      $ 306,047.50       $ 306,047.50    $ 15,500,000.00   1,000.00000000
CTX03A-AF-3   152314GK0   $ 47,400,000.00  $          0.00    $ 1,176,626.00     $ 1,176,626.00    $ 47,400,000.00   1,000.00000000
CTX03A-AF-4   152314GL8   $ 63,000,000.00  $          0.00    $ 2,165,625.00     $ 2,165,625.00    $ 63,000,000.00   1,000.00000000
CTX03A-AF-5   152314GM6    $ 6,110,000.00  $          0.00      $ 237,531.36       $ 237,531.36     $ 6,110,000.00   1,000.00000000
CTX03A-AF-6   152314GN4   $ 24,200,000.00  $          0.00      $ 810,579.00       $ 810,579.00    $ 24,200,000.00   1,000.00000000
CTX03A-AV-1   152314GP9  $ 129,053,000.00  $ 50,700,469.22    $ 1,507,568.38    $ 52,208,037.60    $ 78,352,530.78     607.13451667
CTX03A-AV-2   152314GQ7  $ 128,987,000.00  $ 54,534,370.67    $ 1,499,205.31    $ 56,033,575.98    $ 74,452,629.33     577.21033383
CTX03A-M-1    152314GR5   $ 42,000,000.00           $ 0.01      $ 708,357.71       $ 708,357.72    $ 41,999,999.99     999.99999976
CTX03A-M-2    152314GS3   $ 31,500,000.00  $          0.00      $ 847,843.28       $ 847,843.28    $ 31,500,000.00   1,000.00000000
CTX03A-M-3    152314GT1   $ 19,500,000.00  $          0.00      $ 691,797.03       $ 691,797.03    $ 19,500,000.00   1,000.00000000
CTX03A-B      152314GU8    $ 7,500,000.00  $          0.00      $ 325,398.69       $ 325,398.69     $ 7,500,000.00   1,000.00000000
CTX03A-AIO    152314GV6  $ 189,036,000.00  $          0.00      5,487,000.00     $ 5,487,000.00   $ 189,036,000.00   1,000.00000000
CTX03A-XIO       N/A     $ 589,108,047.25  $          0.00   $ 11,320,783.06     $11,320,783.06   $ 589,108,047.25   1,000.00000000
CTX03A-R-1       N/A               $ 0.01  $          0.00   $          0.00     $         0.00   $           0.01   1,000.00000000
-----------------------------------------------------------------------------------------------------------------------------------

--------------------------------------------------------
TOTAL TRUSTEE FEE 2003     $12,000

TOTAL SERVICING FEE 2003   $2,114,541
--------------------------------------------------------

                                      -8-
</TABLE>

                                  EXHIBIT 99.2
                     Annual Independent Accountant's Report



Ernest & Young LLP
Dallas, Texas


                 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 of
Centex Home Equity Company, LLC and Subsidiaries and
CTX Mortgage Funding, LLC

We have examined  management's  assertion,  included in the accompanying  report
titled  Report  of  Management,   that  Centex  Home  Equity  Company,  LLC  and
subsidiaries  and  CTX  Mortgage  Funding,  LLC  (collectively,  the  Companies)
complied with the minimum servicing  standands set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage Bankers
(USAP)  during the period ended March 31, 2003.  Management is  responsible  for
AAMG's compliance with those  requirements.  Our responsibility is to express an
opinion on management's  assertions about the Companies' compliance based on our
examination.

Our examination was made in accordance with attestation standards established by
the American Institute of Certified Pubic Accountants and, accordingly, included
examining,  on a test basis, evidence about the Companies' 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 on the Companies'  compliance  with specified
requirements.

In  our  opinion,  management's  assertion,  the  Companies  complied  with  the
aforementioned  requirements  during the period ended March 31, 2003,  is fairly
stated, in all material respects.

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

Ernest & Young LLP

May 16, 2003




Centex Home Equity Corporation


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

                              Report of Management


We, as members of management of Centex Home Equity Company, LLC and Subsidiaries
and CTX Mortgage  Funding,  LLC (the  Companies),  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
interenal  control over  compliance with these  standards.  We have performed an
evaluation of the Companies'  compliance with the minimum servicing standards as
set forth in the USAP as of March 31, 2003 and for the period then ended.  Based
on this  evaluation,  we assert that during the year ended March 31,  2003,  the
Companies  complied,  in all  material  respects,  with  the  minimum  servicing
standards set forth in the USAP.

As of and for this same period,  the  Companies had in effect a fidelity bond in
the amount of $40 million and an errors and omissions policy in the amount of $6
million.

/s/  Jay Bray
------------------------
Jay Bray
Executive Vice President,
Chief Financial Officer

/s/ Bryan Marshall
------------------------
Bryan Marshall
Senior Vice President, Finance

May 16, 2003

                                      -9-

                                      99.3
                        Annual Statement as to Compliance
                                ----------------

                       ANNUAL STATEMENT AS TO COMPLIANCE

     As of and for the fiscal  year ended  March 31,  2003,  pursuant to Section
8.16 of the Pooling and Servicing Agreement, the undersigned on behalf of Centex
Home Equity  Company,  LLC has  performed  the reviews of the  activities of the
Servicer during such preceding fiscal year end of performance  under the Pooling
and  Servicing  Agreement,  for Centex Home Equity  Loan Trust  2003-A  under my
supervision.

     To the  best of my  knowledge,  based  on such  review,  the  Servicer  has
fulfilled  all  obligations  under the Pooling and  Servicing  Agreement for the
fiscal year above referenced.

/s/ Anthony H. Barone
-----------------------
Anthony H. Barone
President and Chief Executive Officer

                                      -10-