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, 2000 or

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


      Commission File No.:   333-35026-02

                         Structured Asset Securities Corporation
                         Mortgage Pass-Through Certificates
                         Series 2000-3 Trust
        (Exact name of registrant as specified in its charter)


                                   52-2291499
New York                           52-2291494
(State or other jurisdiction     (I.R.S. Employer
 of incorporation or              Identification  No.)
 organization)

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


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

Securities to be registered pursuant to Section 12(b) of the Act:

     NONE

Securities to be 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 ___


This Amendment No. 1 on Form 10-K/A amends Item 14 of the original Annual Report
on Form 10-K (the  "Original  Form 10-K") filed on March 22, 2001,  on behalf of
Structured Asset Securities Corporation Series 2000-3 Trust established
pursuant to the Trust Agreement among Structured Asset Securities Corporation,
as Depositor, Aurora Loan Services Inc., as Master Servicer, Bank One, National
Association, as Trustee, and Wells Fargo Bank Minnesota, N.A., as Securities
Administrator, pursuant to which the Structured Asset Securities Corporation
Series 2000-3 Trust registered under the Securities Act of 1933
(the "Certificates") were issued.


Item 14 of the original Form 10K is amended in its entirety to read as follows:

Item 14.  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, 2000.

                     a)  Aurora Loan Services, Inc. <F1>

              (99.2) Report  of  Management   as  to  Compliance   with  Minimum
                     Servicing Standards for the year ended December 31, 2000.

                     a)  Aurora Loan Services, Inc. <F1>

              (99.3) Annual  Statements  of  Compliance  under the  Pooling  and
                     Servicing Agreements for the year ended December 31, 2000.

                     a)  Aurora Loan Services, Inc.  <F3>

              (99.4) Aggregate Statement of Principal and Interest Distributions
                     to Certificate Holders. <F2>

            (b)  On November 8, 2000, December 11, 2000, and January 4, 2001,
                 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.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not
      received by the reporting person


                           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:

Structured Asset Securities Corporation
Mortgage Pass-Through Certificates
Series 2000-3 Trust

Signed:   Wells Fargo Bank Minnesota, N.A., as Securities Administrator

By:   Beth Belfield, Assistant Vice President
By:  /s/  Beth Belfield, Assistant Vice President

Dated:  July 17, 2002


Exhibit Index

Exhibit No.

99.1      Annual Independent Accountants' Servicing Reports concerning servicing
          activities for the year ended December 31, 2000.

                     a)  Aurora Loan Services, Inc. <F1>

99.2      Report of Management as to Compliance with Minimum Servicing Standards
          for the year ended December 31, 2000.

                     a)  Aurora Loan Services, Inc. <F1>

99.3      Annual  Statements  of  Compliance  under the  Pooling  and  Servicing
          Agreements for the year ended December 31, 2000.

                     a)  Aurora Loan Services, Inc. <F3>

99.4      Aggregate Statement of Principal and Interest Distributions to
          Certificate Holders.<F2>

<F1>  Filed herewith.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not
      received by the reporting person.


   EX-99.1 (a)


(LOGO) ERNST & YOUNG

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


The 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, 2000.  Management is responsible for
the Company's  compliance  with those  requirements.  Our  responsibility  is to
express an opinion on  management's  assertions  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 the Company  complied  with the
aforementioned  requirements  during the year ended November 30, 2000, is fairly
stated, in all material respects.

   Ernst & Young LLP

   December 28, 2000


Ernst & Young LLP is a member of Ernst & Young International,Ltd.


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


December 28, 2000

Ernst & Young LLP
370 17th Street, Suite 4300
Denver, CO 80202


In connection with your compliance attestation engagement relating to our
assertion about Aurora Loan Services Inc.'s (the "Company') compliance with the
minimum servicing standards as set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of
November 30, 2000 and for the year then ended, we recognize that obtaining
representations from us concerning the information contained in this letter is a
significant procedure in enabling you to form an opinion on whether our
assertion about the Company's compliance with the minimum servicing standards as
set forth in the USAP is fairly stated in all material respects. Accordingly, we
make the following representations with respect to our compliance with the
minimum servicing  requirements as set forth in the USAP as of November 30, 2000
and for the year then ended, which are true to the best of our knowledge and
belief.

We acknowledge that, as members of management of the Company, we are responsible
for complying with the minimum servicing  standards as set forth in the 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 referred to above as
of November 30, 2000 and for the year then ended. Based on this evaluation, the
Company has complied with the minimum  servicing  standards as set forth in the
USAP.

There has been no known  noncompliance with minimum servicing  standards for the
November 30, 2000 through the date of your attestation examination report.

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amount of $15,000,000 and $20,000,000,
respectively.

We have made available to you all documentation related to compliance with the
minimum servicing standards.

There has been no fraud involving  management or employees who have significant
roles in internal control over compliance with the minimum servicing standards.
There has been no fraud involving other employees that could have a material
effect on compliance with the minimum servicing standards.

There have been no communications from regulatory agencies concerning possible
noncompliance with the minimum servicing standards for the year ended November
30, 2000 and through the date of your attestation examination report.

No events or  transactions have occurred since November 30, 2000 or are pending
that would have an effect on our compliance with minimum servicing  standards at
that date or for the year then ended.

We understand that your examination was conducted in accordance with attestation
standards established by the American Institute of Certified Public Accountants
and was, therefore, designed primarily for the purpose of expressing an opinion
on whether our assertion is fairly stated in all material respects based on
criteria established by the Mortgage Bankers Association of America and that
your procedures were limited to those that you considered necessary for that
purpose.

Very truly yours,

Ralph A. Lenzi III
Chief Executive Officer

Rick W. Skogg
President

Barry M. Hansen
Chief Financial Officer