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 period from February 1, 2002
        (Commencement of Operations) to December 31, 2002.


[ ]     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  333-82146-01

                    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.)


745 Seventh Avenue
New York, NY                                              10019
(Address of principal executive offices)                 (Zip Code)

Registrant's telephone number, including area code : (212) 526-7000

                     Structured Asset Securities Corporation
               Mortgage Pass-Through Certificates Series 2002-4H
            (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]

Documents incorporated by reference:  None




<PAGE>

Structured Asset Securities Corporation
Mortgage Pass-Through Certificates Series 2002-4H
--------------------------------------------------------

PART I

Item 1.  Business

         Omitted.

Item 2.  Properties

         Omitted.

Item 3.  Legal Proceedings

     The Registrant is not aware of any material legal  proceeding  with respect
to, the Company, the Master 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 each Class of
Offered Certificates during the fiscal year covered by this report.

PART II

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

     The Trust does not issue stock. There is currently no established secondary
market for the  Certificates.  As of December 31, 2002, the number of holders of
each Class of Offered Certificates was 12.

Item 6.  Selected Financial Data

         Omitted.

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

         Omitted.

Item 8.  Financial Statements and Supplementary Data

         Omitted.

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

         Omitted.

Item 11. Executive Compensation

         Omitted.

Item 12. Security Ownership of Certain Beneficial Owners and Management

         Omitted.

Item 13. Certain Relationships and Related Transactions

         No reportable transactions have occurred.

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  Independent  Accountant's  Servicing Reports  concerning  servicing
activities for the year ended December 31, 2002, filed as Exhibit 99.1 hereto.

     Report of Management as to Compliance with Minimum Servicing  Standards for
the year ended December 31, 2002, filed as Exhibit 99.2 herto.

     Annual  Statement of Compliance  under the Pooling and Servicing  Agreement
for the year ended December 31, 2002, filed as Exhibit 99.3 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 2002.

     Current Reports on Form 8-K, dated October 25, 2002, November 26, 2002, and
December  26, 2002,  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.

                                      -3-

<PAGE>



Structured Asset Securities Corporation
Mortgage Pass-Through Certificates Series 2002-4H
-----------------------------------------------------------------------------

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.




Date:  March 31, 2003            By:  Aurora Loan Services Inc.,
                                        as Master Servicer

                                       /s/ E. Todd Whittemore
                                        --------------------------------------
                                  Name: E. Todd Whittemore
                                 Title: Executive Vice President


                                      -4-
<PAGE>

                                  Certification
                     Structured Asset Securities Corporation
                Mortgage Pass-Through Certificates Series 2002-4H

     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  Structured  Asset
Securities Corporation, Mortgage Pass-Through Certificates Series 2002-4H;

     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; Bank of America,  N.A., as Servicer;  Cendant Mortgage Corporation,  as
Servicer;  Countrywide Home Loans, Inc., as Servicer; GMAC Mortgage Corporation,
as Servicer; Washington Mutual Bank, F.A., as Servicer; Suntrust Mortgage, Inc.,
as Servicer;  Waterfield  Mortgage Company,  Inc., as Servicer;  and Wells Fargo
Home Mortgage, Inc., as Servicer.


Date: March 31, 2003

/s/ E. Todd Whittemore
------------------------
Executive Vice President
Aurora Loan Services Inc.

                                      -5-

<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.

                                      -6-
<PAGE>


                         EXHIBIT INDEX


Exhibit   Description

99.1    Annual Independent Accountant's Servicing Report for the year ended
        December 31, 2002

        a) Aurora Loan Services Inc., as Servicer
        b) Bank of America, N.A., as Servicer
        c) Cendant Mortgage Corporation, as Servicer *
        d) Countrywide Home Loans, Inc., as Servicer *
        e) GMAC Mortgage Corporation, as Servicer *
        f) Washington Mutual Bank, F.A., as Servicer *
        g) Suntrust Mortgage, Inc., as Servicer *
        h) Waterfield Mortgage Company, Inc., as Servicer *
        i) Wells Fargo Home Mortgage, Inc., as Servicer

99.2    Report of Management as to compliance with minimum servicing standards
        for the year ended December 31, 2002.

        a) Aurora Loan Services Inc., as Servicer
        b) Bank of America, N.A., as Servicer
        c) Cendant Mortgage Corporation, as Servicer *
        d) Countrywide Home Loans, Inc., as Servicer *
        e) GMAC Mortgage Corporation, as Servicer *
        f) Washington Mutual Bank, F.A., as Servicer *
        g) Suntrust Mortgage, Inc., as Servicer *
        h) Waterfield Mortgage Company, Inc., as Servicer *
        i) Wells Fargo Home Mortgage, Inc., as Servicer

99.3    Annual Statement of Compliance for the year ended December 31, 2002.

        a)  Aurora Loan Services Inc., as Master Servicer


     * 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.



                                      -7-
<PAGE>
                                  EXHIBIT 99.1
      Annual Independent Accountant's Servicing Report for the year ended
                                December 31, 2002


                                      -8-
<page>

Ernst & Young LLP
Suite 3300
170 17th Street
Denver, Colorado  80202-5663
Telephone:  (720) 931-4000
Facsimile:  (720) 931-4444


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

REPORT OF INDEPENDENT ACCOUNTANTS


Board of Directors
Aurora Loan Services Inc.


     We have  examined  management's  assertion,  included  in the  accompanying
report titled Report of Management, that Aurora Loan Services Inc. (the Company)
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 November 30, 2002.  Management is  responsible  for
the Company's  compliance  with those  requirements.  Our  responsibility  is to
express an opinion on  management's  assertion  about the  Company's  compliance
based on our examination.

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

     In our opinion,  management's  assertion,  that Aurora Loan  Services  Inc.
complied with the aforementioned requirements during the year ended November 30,
2002, is fairly stated, in all material respects.

     The report is intended  solely for the  ifnormation and use of the board of
directors,  management, and the Federal Home Loan Mortgage Corporation,  Federal
National Mortgage Association, Government National Mortgage Association, and the
Company's  private investors and is not intended to be and should not be used by
anyone other than these specified parties.

By:  /s/ Ernst & Young LLP
---------------------------

March 14, 2003

                                      -9-


<page>

PricewaterhouseCoopers, LLP
214 N. Tryon Street
Suite 3600
Charlotte, NC  28202
Telephone:  (704) 344-7500
Facsimile:  (704) 344-4100


REPORT OF INDEPENDENT ACCOUNTANTS


To the Board of Directors and Shareholder
of Bank of America, N.A.


     We have examined  management's  assertion about  compliance by BA Mortgage,
LLC and the  Mortgage  division  of Bank of  America,  N.A.  (collectively,  the
"Company"),  which together  comprise an operating  division of Bank of America,
N.A., with the minimum servicing  standards (the "Standards")  identified in the
Mortgage Bankers Association of America's Uniform Single Attestation Program for
Mortgage  Bankers  ("USAP")  as of and for the  year  ended  December  31,  2002
included in the accompanying management assertion (see Exhibit 1). Management is
responsible for the Company's compliance with the Standards.  Our responsibility
is  to  express  an  opinion  on  management's  assertion  about  the  Company'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 Company's  compliance  with the
Standards and performing other such 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 the
company's compliance with the Standards.

     In our opinion,  management's  assertion that the Company complied with the
aforementioned  Standards  as of and for  the year ended  December  31,  2002 is
fairly stated, in all material respects.


By:  /s/PricewaterhouseCoopers, LLC
------------------------------------
PricewaterhouseCoopers, LLC


March 7, 2003

                                      -10-

<page>
KPMG
2500 Ruan Centor
666 Grand Avenue
Des Moines, IA  50309


INDEPENDENT ACCOUNTANT'S REPORT

The Board of Directors
Wells Fargo Home Mortgage:


     We have examined management's  assertion dated February 25, 2003 that Wells
Fargo Home Mortgage complied with the minimum  servicing  standards set forth in
the Mortgage Bankers Association of America's Uniform Single Attestation Program
for  Mortgage  Bankers  (USAP) as of the for the year ended  December  31, 2002.
Management is responsible for Wells Fargo Home Mortgage's  compliance with those
minimum  servicing  standards.  Our  responsibility  is to express an opinion on
management's assertion about Wells Fargo Home Mortgage's compliance based on our
examination.

     Our  examination  was conducted in accordance  with  attestation  standards
established  by the  American  Institute of Certified  Public  Accountants  and,
accordingly,  included  examining,  on a test basis,  evidence about Wells Fargo
Home Mortgage's  compliance with the minimum servicing standards specified above
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 Wells
Fargo Home Mortgage's compliance with the minimum servicing standards.

     In our  opinion,  management's  assertion  that Wells  Fargo Home  Mortgage
complied with the aforementioned  minimum servicing  standards as of and for the
year ended December 31, 2002, is fairly stated, in all material respects.


By:  /s/  KPMG
--------------------
     KPMG

February 25, 2003

                                      -11-

<page>


                                  EXHIBIT 99.2
     Report of Management as to compliance with minimum servicing standards
                      for the year ended December 31, 2002

                                      -12-

<PAGE>

Aurora Loan Services Inc.
Corporate Headquartes
2530 S. Parker Road, Suite 601
Aurora, CO 80014
Telephone:  (303) 632-3000
            (800) 880-0126
Facsimile:  (303) 632-3001



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 Aurora Loan Services Inc. (the  "Company"),
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 the  Company's  compliance  with the minimum
servicing standards as set forth in the USAP as of November 30, 2002 and for the
year then ended. Based on this evaluation,  we assert that during the year ended
November 30, 2002,  the Company  complied,  in all material  respects,  with the
minimum servicing standards set forth in the USAP.

     As of and for this same period,  the Company had in effect a fidelity  bond
and errors and omissions policy in the amount of $30,000,000.


By:  /s/ Ralph A. Lenzi, III
----------------------------
Ralph A. Lenzi, III
Chief Executive Officer


By:   /s/ Rick W. Skogg
----------------------------
Rick W. Skogg
President


By:  /s/ Roy W. Browning, III
-----------------------------
Chief Financial Officer


By:  /s/ Alexandra M. Delargy
-----------------------------
Alexandra M. Delargy
Senior Vice President and Controller

March 14, 2003


                                      -13-

<page>

Bank of America
Bank of America Mortgage
101 E. main Street, Suite 400
P.O. Box 35140
Louisville, Kentucky  40232-5140


MANAGEMENT'S ASSERTION CONCERNING COMPLIANCE
WITH USAP MINIMUM SERVICING STANDARDS

March 7, 2003

As of and for the year  ended  December  31,  2002,  BA  Mortgage  LLC,  and the
Mortgage division of bank of America, N.A. (collectively,  the "Company"), which
comprise an  operating  division of Bank of America,  N.A.,  has complied in all
material respects with the minimum servicing standards set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for Mortgage
Bankers ("USAP").

As of and for this same  period,  the Company had in effect a fidelity  bond and
errors and ommissions  policy in the amounts of $400,000,000  and  $475,000,000,
respectively.



By:  /s/ Kevin M. Shannon                       By:  /s/ H. Randall Chestnut
-------------------------                       ---------------------------
Kevin M. Shannon                                H. Randall Chestnut
President                                       Senior Vice President
Consumer Real Estate                            Bank of American, N.A.
Bank of America, N.A.


By:  /s/ David H. Rupp                          By:  /s/ Gary K. Bettin
-------------------------                       ---------------------------
David H. Rupp                                   Gary K. Bettin
Senior Vice President                           Senior Vice President
Bank of American, N.A.                          National Servicing Executive
                                                Bank of America, N.A.


By:  /s/ J. Mark Hanson
-------------------------
J. Mark Hanson
Senior Vice President
Bank of America, N.A.


                                      -14-

<page>

Wells Fargo Home Mortgage
1 Home Campus
Des Moines, IA  50328-0001



MANAGEMENT ASSERTION

As of and for the year ended December 31, 2002,  Wells Fargo Home Mortgagae Inc.
has complied in all material respects with the minimum  servicing  standards set
forth  in  the  Mortgage  Bankers   Association  of  America's   Uniform  Single
Attestation Program for Mortgage Bankers. As of and for this same period,  Wells
Fargo Home  Mortgage Inc. had in effect a fidelity bond along with an errors and
omissions policy in the amount of $100 million and $20 million, respectively.



By:  /s/ Pete Wissinger                         February 25, 2003
     --------------------------
     Pete Wissinger
     Chief Executive Officer



By:  /s/ Michael J. Heid                        February 25, 2003
     --------------------------
     Michael J. Heid
     Chief Financial Officer
     Executive Vice President



By:  /s/ Robert Caruso                          February 25, 2003
     --------------------------
     Robert Caruso
     Senior Vice President
     Loan Servicing


                                      -15-

<page>

                                  EXHIBIT 99.3
      Annual Statement of Compliance for the year ended December 31, 2002


Aurora Loan Services Inc.
orporate Headquartes
2530 S. Parker Road, Suite 601
Aurora, CO 80014
Telephone:  (303) 632-3000
            (800) 880-0126
Facsimile:  (303) 632-3001


Via UPS

March 15, 2003

Nadezhka Thomas
JPMorgan Chase Bank
4 New York Plaza, 6th floor
New York, NY 10004

RE:      SASCO Series 2002-2, 2002-4H, 2002-11A, 2002-14A, 2002-16A, 2002-18A
         Annual Officer's Certificate as to Compliance

Dear Ms. Thomas:

     The  undersigned  Officer  certifies the following for the period ending on
December 31, 2002:

     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,  or, if any such  certificate  or report has not been received by the
Master  Servicer,  the Master Servicer is using its best  reasonable  efforts to
obtain such certificate or report.

Certified By:

/s/ R. Peter Karr
---------------------------

R. Peter Karr
Senior Vice President
Master Servicing Division


                                      -16-