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


                                   FORM 10-K/A

[X]     Annual  report  pursuant  to  Section  13 or  15(d)  of the Securities
        Exchange Act of 1934 for the period from January 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 333-63602-01

                    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 2002-2
            (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>
                                AMENDMENT 1 OF 1

Structured Asset Securities Corporation
Mortgage Pass-Through Certificates Series 2002-2
--------------------------------------------------------


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 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 2002-2
-----------------------------------------------------------------------------

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:  May 15, 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 2002-2


     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/A,  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 2002-2;

     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;  Greenpoint Mortgage Funding, Inc., as Servicer; National City Mortgage
Co., as Servicer;  IndyMac  Bank,  F.S.B.,  as Servicer;  Golden First  Mortgage
Corp., as Servicer, and SunTrust Mortgage, Inc., as Servicer.


Date: May 15, 2003

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


                                      -5-
<PAGE>



                                 EXHIBIT INDEX

Exhibit Description

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

        a) Greenpoint Mortgage Funding, Inc., as Servicer
        b) IndyMac Bank, F.S.B., as Servicer
        c) SunTrust Mortgage, Inc., as Servicer


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

        a) Greenpoint Mortgage Funding, Inc., as Servicer
        b) IndyMac Bank, F.S.B., as Servicer
        c) SunTrust Mortgage, Inc., as Servicer


                                      -6-
<PAGE>




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

                                      -7-
<page>

PricewaterhouseCoopers, LLP
400 S. Hope Street
Los Angeles, CA  90071


REPORT OF INDEPENDENT ACCOUNTANTS


To the Board of Directors and Shareholder of
GreenPoint Mortgage Funding, Inc.


     We have examined management's  assertion about GreenPoint Mortgage Funding,
Inc.'s (the "Company"), a wholly owned subsidariy 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 1). Management is responsible for
the  Company's   compliance  with  these  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   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  minimun  servicing  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 minimum servicing 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 27, 2003

                                      -8-

<page>

Ernst  & Young LLP
725 South Figueroa Street
Los Angeles, CA  90017
(213) 977-3200
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
IndyMac Bank, F.S.B.


     We have  examined  management's  assertion,  included  in the  accompanying
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) for 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 assertions 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
stated, 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.


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

Janaury 24, 2003

                                      -9-

<page>

PricewaterhouseCoopers, LLP
1751 Pinnacle Drive
McLean VA 22102-3811



                        REPORT OF INDEPENDENT ACCOUNTANTS


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


     We have examined management's  assertion about SunTrust Mortgage,  Inc. and
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 management assertion (see Exhibit
1).  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   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  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 minimum
servicing 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


February 24, 2003

                                      -10-

<page>


                                                                Exhibit I
GreenPoint Mortgage
100 Wood Hollow Drive
Novato, CA 94945


                   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 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 ommissions  policy in the amounts of $20,000,000 and $50,000,000,
respectively.

March 27, 2003


By:   /s/ Dennis Tussey
-----------------------------
Dennis Tussey
Servicing Manager



By:   /s/ David Petrini
-----------------------------
David Petrini
Chief Financial Officer

By:  /s/ S. A. Ibrahim
------------------------------
S. a. Ibrahim
Chief Financial Officer


                                      -11-

<page>
IndyMac Bank
155 North Lake Avenue
Pasadena, CA  91101
www.indymacbank.com


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

                              Report to Managment

     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  for the  Bank's  compliance  with  the  minimum
servicing standards set forth in the USAP as 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 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.

     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.


/s/  Michael W. Perry                           /s/ Tony Eibers
------------------------                        ------------------------------
Michael W. Perry                                Tony Eibers
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 Executive Officer                         Chief Accounting Officer


January 24, 2003

                                      -12-

<page>



                                                                Exhibit I
SunTrust Mortgage, Inc.
901 Sommes Avenue
Richmond, VA  23224



                   Management's Assertion Regarding 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  ommissions  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/ Julie W. Andrews
--------------------------
Julie W. Andrews
Senior Vice President, Treasurer & Chief Financial Officer

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

                                      -13-

<page>
                                                                Exhibit II


                        USAP MINIMUM SERVICING STANDARDS

I. CUSTODIAL BANK ACCOUNTS

     1.  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 after 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.

     2. Funds of the servicing  entity shall be advanced in cases where there is
an overdraft in an investor's or a mortgagor's account.

     3. Each  custodial  account  shall be  maintained  at a  federally  insured
depository institution in trust for the applicable investor.

     4.  Escrow  funds held in trust for a  mortgagor  shall be  returned to the
mortgator with thirty (30) calendar days of payoff of the mortgage loan.


II.  MORTGAGE PAYMENTS

     1. Mortgage  payments  shall be deposited  into the custodial bank accounts
and related bank clearing accounts within two business days of receipt.

     2. Mortgage payments made in accordance with the mortgagor's loan documents
shall be posted to the applicable  mortgagor records within two business days of
receipt.

     3. Mortgage payments shall be allocated to principal,  interest, insurance,
taxes or other escrow items in accordance with the mortgator's loan documents.

     4.  Mortgage  payments  identified  as loan  payoffs  shall be allocated in
accordance with the mortgator's loan documents.


III. DISBURSEMENTS

     1.  Disbursements  made via wire  transfer  on  behalf  of a  mortgagor  or
investor shall be made only by authorized personnel.

     2.  Disbursements made on behalf of a mortgagor or investor shall be posted
within two business days to the mortgagor's or investor's  records maintained by
the servicing entity.

     3. Tax and  insurance  payments  shall be made on or before the  penalty or
insurance  policy  expiration  dates,  as indicated  on tax bills and  insurance
premium notices,  respectively,  provided that such support has been received by
the servicing entity at least thirty (30) calendar days prior to these dates.

     4. Any late payment  penalties paid in conjunction  with the payment of any
tax bill or insurance  premium notice shall be paid from the servicing  entity's
funds and not charged to the  mortgagor,  unless the late payment was due to the
mortgagor's error or omission.

     5. Amounts remitted to investors per the servicer's  investor reports shall
agree  with  cancelled  checks,  or other form of  payment,  or  custodial  bank
statements.

     6.  Unissued  checks  shall be  safeguarded  so as to prevent  unauthorized
access.

IV.  INVESTOR ACCOUNTING AND REPORTING

     1. The servicing  entity's  investor reports shall agree with, or reconcile
to,  investor's  records  on a monthly  basis as to the total  unpaid  principal
balance and number of loans serviced by the servicing entity.

V.   MORTGAGOR LOAN ACCOUNTING

     1. The  servicing  entity's  mortgage  loan  records  shall agree with,  or
reconcile  to, the records of  mortgagors  with respect to the unpaid  principal
balance on a monthly basis.

     2.  Adjustments on ARM loans shall be computed base on the related mortgage
note and any ARM rider.

     3. Escrow  accounts shall be analyzed,  in accordance  with the mortgagor's
loan documents, on at least an annual basis.

     4. Interest on escrow accounts shall be paid, or credited, to mortgagors in
accordance with the applicable state laws.

VI.     DELINQUENCIES

     1. Records  documenting  collection  efforts shall be maintained during the
period a loan is in default and shall be updated at least monthly.  Such records
shall describe the entity's activities in monitoring delinquent loans including,
for example,  phone calls,  letters and mortgage payment  rescheduling  plans in
cases where the delinquency is deemed temporary (e.g., illness or unemployment).

VII.    INSURANCE POLICIES

     1. A fidelity  bond and errors and  omissions  policy shall be in effect on
the servicing  entity  throughout the reporting period in the amount of coverage
represented to investors in management's assertion.

                                      -14-