UNITED STATES
                         SECURITIES AND EXCHANGE COMMISSION
                               WASHINGTON, D.C. 20549



                                      FORM 10-K/A

                                   Amendment No. 1


  (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, 2002

      OR



  / / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934


      Commission File Number:  333-82146-02


        Structured Asset Securities Corporation
        Mortgage Pass-Through Certificates
        Series 2002-3

       (Exact name of registrant as specified in its charter)



   New York                                       Pending
  (State or other jurisdiction of                 (I.R.S. Employer
  incorporation or organization)                  Identification No.)

   c/o Wells Fargo Bank Minnesota, N.A.
   9062 Old Annapolis Road
   Columbia, MD                                21045
  (Address of principal executive offices)     (Zip Code)


  Registrant's telephone number, including area code: (410) 884-2000


  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 ( 229.405 of this chapter) 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.

         Not applicable.






  State the aggregate market value of the voting and non-voting common
  equity held by non-affiliates of the registrant. The aggregate market
  value shall be computed by reference to the price at which the common
  equity was sold, or the average bid and asked prices of such common
  equity, as of a specified date within 60 days prior to the date of
  filing. (See definition of affiliate in Rule 405, 17 CFR 230.405.)

         Not applicable.








  Indicate the number of shares outstanding of each of the registrant's
  classes of common stock, as of the latest practicable date.

         Not applicable.



  List hereunder the following documents if incorporated by reference and
  the Part of the Form 10-K (e.g. Part I, Part II, etc..) into which the
  document is incorporated: (1)Any annual report to security holders; (2)
  Any proxy or information statement; and (3)Any prospectus filed pursuant
  to Rule 424(b) or (c) under the Securities Act of 1933. The listed
  documents should be clearly described for identification purposes (e.g.
  annual report to security holders for fiscal year ended December 24, 1980).

         Not applicable.










                                 PART I

  Item 1.  Business.

            Omitted.

  Item 2.  Properties.

            See Item 15(a), Exhibits 99.1, 99.2, and 99.3, for information
            provided in lieu of information required by Item 102 of
            Regulation S-K.



  Item 3.  Legal Proceedings.

            The registrant knows of no material pending legal proceedings
            involving the trusts created under the Pooling and Servicing
            Agreement (the Trusts), the Trustee, the Servicer or the
            registrant with respect to the Trusts other than routine
            litigation incidental to the duties of the respective parties.





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


            None.

                               PART II


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


            No established public trading market for the Certificates exists.

            Records provided to the Trust by the DTC and the Trustee
            indicate that as of December 31, 2002, the number of holders of
            record for each class of Certificate were as follows:


             Class 1A1                         1
             Class 1A2                         2
             Class 1A3                         1
             Class 1A5                         1
             Class 1A6                         3
             Class 1A8                         1
             Class 1A9                         2
             Class 2A1                         7
             Class 2A2                         1
             Class 2AP                         1
             Class 3A1                         1
             Class 3A2                         1
             Class 4A1                         1
             Class 4A2                         1
             Class 4A3                         1
             Class A4                         10
             Class A7                          1
             Class AP                          1
             Class AX                          1
             Class B1                          1
             Class B2                          1
             Class B3                          1
             Class B4                          1
             Class B5                          1
             Class B6                          1
             Class CAP                         1
             Class CAX                         1
             Class E                           1
             Class IAX                         1
             Class P                           1
             Class PAX                         1
             Class R                           1

             Total:                           51


  Item 6.  Selected Financial Data.

            Omitted.


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

            Omitted.


  Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

            Not applicable.

  Item 8.  Financial Statements and Supplementary Data.

            See Item 15(a), Exhibits 99.1, 99.2, 99.3, for information
            provided in lieu of information required by Item 302 of
            Regulation S-K.




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

            None.


                               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. Controls and Procedures.

            Not applicable.

                               PART IV


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

   (a) Exhibits

    (99.1) Annual Independent Accountants' Servicing Reports concerning
           servicing activities for the year ended December 31, 2002.

       <TABLE>

       
        <c>
       a) Aurora Loan Srvcs Inc., as Servicer <F1>
       b) Cendant Mtg Corp., as Servicer <F1>
       c) Sun Trust Mtg Inc., as Servicer <F1>
       d) Golden First Mortgage Corp. as Servicer <F1>
       e) Greenpoint Mtg Funding, Inc., as Servicer <F1>
       f) IndyMac Bank, FSB as Servicer <F1>
       g) National City Mtg Co., as Servicer <F1>
       h) Wells Fargo Home Mtg Inc., as Servicer <F1>
       </TABLE>

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

       <TABLE>

       
        <c>
       a) Aurora Loan Srvcs Inc, as Servicer <F1>
       b) Cendant Mtg Corp., as Servicer <F1>
       c) Sun Trust Mtg Inc., as Servicer <F1>
       d) Golden First Mortgage Corp. as Servicer <F1>
       e) Greenpoint Mtg Funding, Inc., as Servicer <F1>
       f) IndyMac Bank, FSB as Servicer <F1>
       g) National City Mtg Co., as Servicer <F1>
       h) Wells Fargo Home Mtg Inc., as Servicer <F1>
      </TABLE>

    (99.3) Annual Statements of Compliance under the Pooling and Servicing
           Agreements for the year ended December 31, 2002.

       <TABLE>

       
         <c>
       a) Aurora Loan Srvcs Inc, as Master Servicer <F1>
       </TABLE>


    (99.4) Aggregate Statement of Principal and Interest Distributions to
           Certificate Holders.


   (b)  On November 07, 2002, December 09, 2002, and January 07, 2003
        reports on Form 8-K were filed by the Company 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.

  <F1> Filed Herewith.




                               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:



    Structured Asset Securities Corporation
    Mortgage Pass-Through Certificates
    Series 2002-3
    (Registrant)



  Signed:   Aurora Loan Services Inc. as Master Servicer

  By:   E. Todd Whittemore, Executive Vice President

  By: /s/ E. Todd Whittemore

  Dated: June 2, 2003

  Sarbanes-Oxley 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 Structured
     Asset Securities Corporation Mortgage Pass-Through Certificates Series
     2002-3 Trust;

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: Wells
     Fargo Bank Minnesota National Association as Securities Administrator;
     Cendant Mtg Corp.,as Servicer; Sun Trust Mtg Inc., as Servicer; Golden
     First Mortgage Corp. as Servicer; Greenpoint Mtg Funding Inc., as Servicer;
     IndyMac Bank, FSB as Servicer; National City Mtg Co., as Servicer; Wells
     Fargo Home Mtg Inc., as Servicer.


      Date: June 2, 2003

      /s/ E. Todd Whittemore
      Signature


      Executive Vice President
      Title





  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.



  (a)(i) No annual report is provided to the Certificateholders other than
  with respect to aggregate principal and interest distributions.


  (a)(ii) No proxy statement, form of proxy or other proxy soliciting
  material has been sent to any Certificateholder with respect to any
  annual or other meeting of Certificateholders.



  Ex-99.1 (a)


Ernst & Young (logo)

Ernst & Young LLP
Suite 3300
370 17th Street
Denver, Colorado 80202-5663
Phone: (720) 931-4000
Fax:   (720) 931-4444
www.ey.com


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
Aurora Loan Services Inc.

We have examined management's assertion, included in the
accompanying report titled Report of Management, the 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.

This report is intended solely for the information 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.

/s/ Ernst & Young LLP

March 14, 2003

A Member Practice of Ernst & Young Global

  Ex-99.1 (b)

Deloitte
& Touche   (logo)

Deloitte & Touche LLP
750 College Road East
3rd Floor
Princeton, New Jersey 08540

Tel: (609) 514-3600
Fax: (609) 514-3603
www.deloitte.com

INDEPENDENT ACCOUNTANT'S REPORT

To Cendant Mortgage Corporation:

We have examined management's assertion about Cendant Mortgage Corporation's
compliance with the minimum servicing 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.  Management is responsible
for Cendant Mortgage Corporation's compliance with those minimum servicing
standards.  Our responsibility is to express an opinion on management's
assertion about the entity'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 Cendant Mortgage Corporation's
compliance with the minimum servicing standards 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 Cendant Mortgage Corporation's compliance
with the minimum servicing standards.

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

/s/ Deloitte & Touche LLP

February 21, 2003



Deloitte
Touche
Tohmatsu    (logo)


  Ex-99.1 (c)

PRICEWATERHOUSECOOPERS    (logo)

PricewaterhouseCoopers LLP
1751 Pinnacle Drive
Mclean VA 22102-3811
Telephone (703) 918 3000
Facsimile (703) 918 3100

Report of Independent Accountants

To the Board of Directors and Stockholder
of SunTrust Mortgage, Inc. and Subsidiaries:

We have examined management's assertion about SunTrust Mortgage, Inc. and its
subsidiaries (the "Company") compliance with the minimum servicing 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 mangement assertion (see Exhibit
I). Management is responsible for the Company's compliance with those minimum
servicing 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 the 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 the minimum servicing standards and performing such other
procedures as we considered necessary in the circumstances. We belive 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 minimum
servcing standards.

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

/s/ PricewaterhouseCoopers LLP
February 24, 2003

  Ex-99.1 (d)


Deloitte & Touche
750 College Road East
3rd Floor
Princeton, New Jersey 08540

Tel: (609) 514-3600
Fax: (609) 514-3603
www.deloitte.com

Deloitte
& Touche (logo)

INDEPENDENT ACCOUNTANTS' REPORT

Golden First Mortgage Corp.
Melville, New York

We have examined management's assertion about Golden First
Mortgage Corp.'s (the "Company") compliance with the
minimum servicing 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 July 31, 2002, included in the accompanying management
assertion.  Management is responsible for the Company's
compliance with those minimum servicing 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
minimum servicing standards 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 the minimum
servicing standards.

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

/s/ Deloitte & Touche LLP
October 11, 2002

Deloitte
Touche
Tohmatsu (logo)



  Ex-99.1 (e)


PriceWaterhouseCoopers (logo)

PriceWaterhouseCoopers LLP
400 S. Hope SL
Los Angeles, CA 90071-2852
Telephone (213) 236 3000
Facsimile (813) 637 4444


Report of Independent Accountants

To the Board of Directors and Stockholders
of Green Point Mortgage Funding, Inc.

We have examined management's assertion about GreenPoint Mortgage Funding,
Inc.'s ("the Company"), a wholly-owned subsidiary of GreenPoint Bank,
compliance with the minimum servicing 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 I).  Management
is responsible for the Company's compliance with those minimum servicing
standards.  Our responsibility is to express an opinion on management's
assertion about the entity'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 the minimum servicing standards 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 the standards.

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

/s/ PriceWaterhouseCoopers LLP

March 27, 2003

  Ex-99.1 (f)


Ernst & Young (logo)

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
IndyMac Bank, F.S.B.

We have examined management's assertion, included in the accompanying report
titled Report of Management, that, except for noncompliance with the minimum
servicing standards for the annual analysis of escrow accounts and for payment
or accretion of interest on escrow accounts in accordance with applicable state
laws, IndyMac Bank, F.S.B. and subsidiaries (the "Bank") 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, 2002.  Management is responsible for the
Bank's compliance with those requirements.  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 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 Bank's compliance with specified requirements.

In our opinion, management's assertion that, except for noncompliance with the
minimum servicing standards for escrow accounts that should be analyzed, in
accordance with the mortgagor's loan documents, on at least an annual basis and
for interest on escrow accounts that should be paid, or credited, to mortgagors
in accordance with applicable state laws, the Bank complied with the
aforementioned requirements during the year ended December 31, 2002, is fairly,
in all material respects.

As discussed in management's assertion, the following instances of material
noncompliance occurred at the Bank during the year ended December 31, 2002:

- Minimum servicing standards require escrow accounts be analyzed at least
annually.  As of December 31, 2002, the Bank was in compliance with the
minimum servicing standard that requires escrow accounts be analyzed at least
annually.  However, during the year ended December 31, 2002, the Bank
identified approximately 400 escrow accounts which had not been analyzed for
more than a year.  Subsequent to the identification of this exception, the Bank
performed a review of all escrow accounts and completed the required analysis.

- Minimum servicing standards require interest on escrow accounts be paid, or
credited, to mortgagors in accordance with applicable state laws.  As of
December 31, 2002, the Bank was in compliance with the minimum servicing
standard that requires interest on escrow accounts be paid, or credited, to
mortgagors in accordance with applicable state laws.  However, during the year
ended December 31, 2002, the Bank identified certain escrow accounts for which
the timing of interest payments by the Bank differed from the respective state
requirements.  Subsequent to the identification of this exception, the Bank
made modifications to the servicing system to ensure interest on escrow
accounts was paid, or credited, in accordance with applicable state laws.

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

January 24, 2003


  Ex-99.1 (g)

ERNST & YOUNG   (logo)

Ernst & Young LLP
1300 Huntington Building
925 Euclid Avenue
Cleveland, Ohio 44115-1405

Phone: (216) 861-5000
www.ey.com

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
National City Mortgage Co.

We have examined management's assertion, included in the accompanying Report of
Management, that National City Mortgage Co. (NCM) complied with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers (USAP) for the year
ended December 31, 2002. Management is responsible for NCM's compliance with
those requirements.  Our responsibility is to express an opinion on
management's assertions about NCM'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 NCM'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 NCM's compliance with specified requirements.

In our opinion, management's assertion, that NCM complied with the
aforementioned requirements for the year ended December 31, 2002, is fairly
stated, in all material respects.

This report is intended solely for the information and use of the audit
committee, management, Federal Home Loan Mortgage Corporation, Federal National
Mortgage Association, Government National Mortgage Association and NCM's private
investors and is not intended to be and should not be used by anyone other than
these specified parties.

/s/ Ernst & Young LLP

February 24, 2003

A Member Practice of Ernst & Young Global

  Ex-99.1 (h)

KPMG  (logo)

2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309

INDEPENDENT ACCOUNTANTS' 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 and for the year ended December 31, 2002.
Management is responsible for Wells Fargo Home Mortgage's compliance with
those minimum 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 standard as of and for the year ended
December 31, 2002, is fairly stated, in all material respects.

/s/ KPMG LLP

February 25, 2003

KPMG LLP. KPMG LLP, a U.S. limited liability partnership, is a member of KPMG
International, a Swiss association.


  Ex-99.2 (a)


AURORA LOAN
SERVICES INC (logo)

Corporate Headquarters / 2530 S. Parker Rd., Suite 601 /
Aurora, CO 80014 / phone: 303-632-3000  800-880-0128 /
fax: 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.

/s/ Ralph A. Lenzi III
Ralph A. Lenzi III
Chief Executive Officer

/s/ Rick W. Skogg
Rick W. Skogg
President

/s/ Roy W. Browning III
Roy W. Browning III
Chief Financial Officer

/s/ Alexandra M. Delargy
Alexandra M. Delargy
Senior Vice President and Controller

March 14, 2003

  Ex-99.2 (b)

CENDANT
Mortgage    (logo)

Cendant Mortgage
3000 Leadenhall Road
Mount Laurel, NJ 08054

As of and for the year ended December 31, 2002, Cendant Mortgage Corporation
(the Company) 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, the Company had in effect a fidelity bond and errors and omissions
policy in the amount of $120 million and $20 million, respectively.

Cendant Mortgage Corporation

/s/  Terence W. Edwards
Terence W. Edwards
President and Chief Executive Officer



/s/ Mark Danahy
Mark Danahy
Senior Vice President & Chief Financial Officer



/s/ Martin L. Foster
Martin L. Foster
Senior Vice President-Loan Servicing

  Ex-99.2 (c)

SUN TRUST   (logo)

Sun Trust Mortgage, Inc.
901 Semmes Avenue
Richmond, VA 23224

Exhibit I

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards

February 24, 2003

As of and for the year ended December 31, 2002, SunTrust Mortgage, Inc. and its
subsidiaries (the "Company") have 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")(see
Exhibit II).

As of and for this same period, the Company had in effect a SunTrust Banks, Inc.
fidelity bond and errors and omissions policy in the amount of $125 million and
a SunTrust Banks, Inc. mortgage errors and omissions policy in the amount of $45
million.

/s/ Robert S. Reynolds
Robert S. Reynolds
Executive Vice President & Chief Administrative Officer

/s/ Julee W. Andrews
Julee W. Andrews
Senior Vice President, Treasurer & Chief Financial Officer

/s/Kathryn Pedon
Kathryn Pedon
Senior Vice President, Manager, Loan Administration Division

  Ex-99.2 (d)


Golden First Mortgage Corp.


As of and for the year ended July 31, 2002, Golden
First Mortgage Corp. 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, Golden First Mortgage
Corp. had in effect a fidelity bond and errors and
omissions policy in the amount of $5 million and
$5 million, respectively.

/s/ David Movlady         /s/ Barbara Bruce
David Movlady             Barbara Bruce
President                 Controller


One Huntington Quadrangle, Melville, New York 11747
(631) 249-2100 Fax (631) 249-2322 * web:www.gnloans.com
Licensed Mortgage Banker NYS Banking Department


  Ex-99.2 (e)


100 Wood Hollow Drive
Novaro, Ca. 94945
(800) 462-2700

GreenPoint Mortgage (logo)
Exhibit I


Management's Assertion Regarding Compliance With Minimum Servicing Standards

As of and for the year ended December 31, 2002, GreenPoint Mortgage Funding,
Inc. (the "Company"), a wholly-owned subsidiary of GreenPoint Bank, has
complied in all material respects with the minimum servicing standards as set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation for Mortgage Bankers.

As of and for this same period, GreenPoint Bank maintained on behalf of the
Compnay, errors and omissions and employee fidelity bond insurance in the
amount of $20,000,000 and $50,000,000, respectively.

March 27, 2003

/s/ Dennis Tussey
Dennis Tussey
Servicing Manager

/s/ David Petrini
David Petrini
Chief Financial Officer

/s/ S.A. Ibrahim
S.A. Ibrahim
Chief Executive Officer

  Ex-99.2 (f)


IndyMac Bank (logo)

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 IndyMac Bank, F.S.B. (the "Bank"), 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 Bank's compliance with
the minimum servicing standards set forth in the USAP as of December 31, 2002
and for the year then ended.  Based on this evaluation, we assert that during
the year ended December 31, 2002, the Bank complied, in all material respects,
with the minimum servicing standards set forth in the USAP, except as described
in the following two paragraphs.

- Minimum servicing standards require escrow accounts be analyzed at least
annually.  As of December 31, 2002, the Bank was in compliance with the minimum
servicing standard that require escrow accounts be analyzed at least annually.
However, during the year ended December 31, 2002, the Bank identified
approximately 400 escrow accounts which had not been analyzed for more than a
year.  Subsequent to the identification of this exception, the Bank performed a
review of all escrow accounts and completed the required analysis.

- Minimum servicing standards require escrow accounts be paid, or credited, to
mortgagors in accordance with applicable state laws.  As of December 31, 2002,
the Bank was in compliance with the minimum servicing standard that requires
interest on escrow accounts be paid, or credited, to mortgagors in accordance
with applicable state laws.  However, during the year ended December 31, 2002,
the Bank identified certain escrow accounts for which the timing of interest
payments by the Bank differed from the respective state requirements.
Subsequent to the identification of this exception, the Bank made modifications
to the servicing system to ensure interest on escrow accounts was paid, or
credited, in accordance with applicable state laws.

As of December 31, 2002 and for the year then ended, the Bank had in effect a
fidelity bond in the amount of $35,000,000 and an errors and omissions policy
in the amount of $20,000,000.


155 North Lake Avenue
Pasadena, California 91101
Telephone: 626.535.5555
www.indymacbank.com

/s/ Michael W. Perry                       /s/ Tony Ebers
Michael W. Perry                           Tony Ebers
Chairman and                               Executive Vice President
Chief Executive Officer                    Home Loan Servicing

/s/ Scott Keys                             /s/ Jeff Lankey
Scott Keys                                 Jeff Lankey
Executive Vice President and               Senior Vice President and
Chief Financial Officer                    Chief Accounting Officer

January 24, 2003

  Ex-99.2 (g)

National City
Mortgage        (logo)

National City Mortgage Co.
3232 Newmark Drive * Miamisburg, Ohio 45342
Telephone (937) 910-1200

Mailing Address:
P.O. Box 1820
Dayton, Ohio 45401-1820

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

Report on Management

We, as members of management of National City Mortgage Co. (NCM), 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 NCM's compliance with the minimum servicing
standards as set forth in the USAP as of December 31, 2002 and for the year then
ended.  Based on this evaluation, we assert that during the year ended December
31, 2002, NCM complied, in all material respects, with the minimum servicing
standards set forth in the USAP.

As of and for this same period, NCM had in effect a fidelity bond policy in the
amount of $50 million and an errors and omissions policy in the amount of $40
million.

/s/ Charles Abourezk
Charles Abourezk, Senior Vice President

February 24, 2003



No one Cares More!

  Ex-99.2 (h)

Wells Fargo
Home Mortgage     (logo)

1 Home Campus
Des Moines, IA 50328-0001


Management Assertion

As of and for the year ended December 31, 2002, Wells Fargo Home Mortgage 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 amounts of $100 million and $20 million,
respectively.

/s/ Pete Wissinger               February 25, 2003
Pete Wissinger
Chief Executive Officer

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

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



  Ex-99.3 (a)



Via UPS

March 27, 2003


Keith Richardson, Corporate Trust Services
Bank One, NA
1 Bank One Plaza, Mail Suite IL 1-0126
Chicago, IL 60670


RE:     SASCO Series 2002-1A, 2002-3, 2002-8A, 2002-23XS
        ARC Series 2002-BC1, 2002-BC2, 2002-BC3, 2002-BC4, 2002-BC7
Annual Officer's Certificate as to Compliance

Dear Mr. Richardson:

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:



______________________________
R. Peter Karr
Senior Vice President
Master Servicing Division






  Ex-99.4
   Schedule of Year-To-Date Principal and Interest Distributions to
   Certificateholders


   <TABLE>

   Class                            Interest          Principal               Losses            Ending Balance
   
                      <c>                   <c>                 <c>                <c>
   1A1                         1,145,806.70                 0.00                0.00             25,000,000.00
   1A2                           814,998.13                 0.00                0.00             45,615,300.00
   1A3                         2,416,010.59                 0.00                0.00                      0.00
   1A5                           692,247.66        20,000,000.02                0.00                      0.00
   1A6                         4,354,991.28        65,660,760.15                0.00             34,415,239.84
   1A8                         2,222,865.06                 0.00                0.00             48,500,000.00
   1A9                           812,638.22                 0.00                0.00             17,730,700.00
   2A1                         1,497,793.43         6,643,100.21                0.00             23,356,899.80
   2A2                           692,304.20                 0.00                0.00             12,781,000.00
   2AP                                 0.00             5,287.76                0.00                526,758.24
   3A1                           448,334.56         5,747,870.30                0.00              4,252,129.71
   3A2                           805,352.78         2,233,318.77                0.00             13,368,681.23
   4A1                         3,284,807.21        16,920,473.58                0.00             52,519,526.43
   4A2                           335,462.48         4,230,118.40                0.00             13,129,881.61
   4A3                           827,906.75                 0.00                0.00                      0.00
   A4                          1,840,380.55                 0.00                0.00             35,000,000.00
   A4_1                        1,533,819.68                 0.00                0.00             29,170,000.00
   A4_2                           78,875.00                 0.00                0.00              1,500,000.00
   A4_3                          157,750.00                 0.00                0.00              3,000,000.00
   A4_4                           69,935.80                 0.00                0.00              1,330,000.00
   A7                             37,916.69                 0.00                0.00                      0.00
   A7_1                           31,600.80                 0.00                0.00                      0.00
   A7_2                            1,625.00                 0.00                0.00                      0.00
   A7_3                            3,250.00                 0.00                0.00                      0.00
   A7_4                            1,440.80                 0.00                0.00                      0.00
   ALR                                 0.00                 0.00                0.00                      0.00
   AP                                  0.00           110,317.87                0.00              1,583,896.12
   AP_1                                0.00            95,846.57                0.00              1,219,398.44
   AP_3                                0.00            14,471.34                0.00                364,497.68
   AX                            217,335.45                 0.00                0.00                      0.00
   AX_1                          180,802.39                 0.00                0.00                      0.00
   AX_3                           36,533.05                 0.00                0.00                      0.00
   B1                            600,813.92            92,451.59                0.00             11,040,548.41
   B2                            255,641.38            39,337.39                0.00              4,697,662.61
   B3                            191,747.22            29,505.12                0.00              3,523,494.88
   B4                             76,579.09            11,783.77                0.00              1,407,216.22
   B5                             89,369.25            13,751.89                0.00              1,642,248.11
   B6                             90,055.72            13,857.28                0.00              1,654,862.72
   CAP                                 0.00            14,351.61                0.00                315,267.40
   CAX                           166,537.33                 0.00                0.00                      0.00
   E                                   0.00                 0.00                0.00                      0.00
   IAX                           136,136.13                 0.00                0.00                      0.00
   IAX_1                          92,344.38                 0.00                0.00                      0.00
   IAX_2                          43,791.75                 0.00                0.00                      0.00
   P                             504,160.02                 0.00                0.00                      0.00
   PAX                           741,678.28                 0.00                0.00                      0.00
   PAX_1                         495,963.49                 0.00                0.00                      0.00
   PAX_2                         219,538.71                 0.00                0.00                      0.00
   PAX_3                          26,176.09                 0.00                0.00                      0.00
   R                                   0.91               100.00                0.00                      0.00
   </TABLE>