Ex-99.3 a)
                      Officer's Certification of Servicing
                                      2002

The undersigned officer certifies to the best of his/her knowledge the following
for the 2002 fiscal year:

I have reviewed the activities and performance of Alliance Mortgage Company
         during the preceding fiscal year under the terms of the Servicing
         Agreement, Trust Agreement, Polling and Servicing Agreement and/or
         Seller/Servicer Guide. To the best of this Officers' knowledge, we have
         fulfilled all of its duties, responsibilities or obligations under
         these Agreements throughout such year;

I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
         Policy and any other bonds required under the terms of the Servicing
         Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
         Seller/Service Guide are in full force and effect;

All Custodial Accounts have been reconciled and are properly funded.

/s/ Michael C. Koster


January 22, 2003


Ex-99.3 b)

ANNUAL OFFICER CERTIFICATION


In accordance with the Servicing Agreement, I, the undersigned, hereby certify
as to each Mortgage Loan being serviced by Bank of America, N.A. the following:

1. I am a duly authorized officer of Bank of America, N.A. and am empowered and
authorized to issue this Annual Certification.

2. All taxes, ground rents and assessments for the Mortgages covered herein
have been paid.

3. All insurance premiums for flood or other casualty insurance, and FHA
premiums or Private Mortgage premiums on conventional loans have been paid and
are in full force.

4. Interest is being paid on escrow in accordance with any laws, regulations, or
contracts that require payment of interest on mortgagors' escrow deposit
accounts.

5. Analysis had been made to ensure sufficient money was collected in the
escrow year.


<PAGE>

6. All required interest and/or monthly payment adjustment for ARM loans were
made in accordance with the mortgage terms, and timely and proper notice was
provided to the mortgagors.

7. With respect to FHA Section 221 mortgages that have reached the 20th
anniversary of their endorsement, we will assign those mortgages that are
eligible for assignment under HUD's special assignment procedures if requested
on a loan basis by the investor.

8. We have complied witht Internal Revenue Service's requirements for reporting
the receipt of $600 or more of interest payments (IRS 1098) from a mortgagor,
for filing statements for recipients of miscellaneous income (IRS 1099-Misc) to
report payments of fees to attorneys for handling liquidation proceedings, and
for filing notices of acquisition of abandonment of secured property (IRS 1099-
A) to report the acquisition of property by foreclosure or acceptance of a
deed-in-lieu or by a mortgagor's abandonment of a property.

9. The Fidelity Bond and Errors and Omissions Coverage has been reviewed.  All
required coverage is in existence and none of our principal officers have been
removed from coverage.

10. A viable contingency plan is in place to minimize financial loss and
disruptions of service to the institution and its customers, as required by
federal regulations.


I FURTHER CERTIFY:
A. To the best of my knowledge and upon reasonable investigation, the servicing
of the Mortgage Loans during the year of 2002 has been conducted in compliance
witht the Agreement except for such exceptions as I am setting forth below.

Exceptions (if any):    None

B. A review of activities with respect to performance under the Agreement has
been made under my supervision and to the best of my knowledge, based on such
review, no default exists as of 12/31/02 in the fulfillment of any obligations
under the Agreement other than the events of default, if any, which I am listing
below with the nature and status thereof.

Events of Default (if any):     None


Bank of America, N.A.

/s/ Robert S. O'Neill
Robert S. O'Neill

<PAGE>

Investor Services - Kentucky
Senior Vice President

Ex-99.3 c)

March 28, 2003

Structured Asset Mortgage Investments, Inc.
383 Madison Avenue
New York, NewYork 10179

Attention:  Vice President, Servicing


RE:      Officer's Certificate

Ladies and Gentlemen:

The undersigned officer certifies the following for the 2002 calendar year.

a)       I have reviewed the activities and performances of the Servicer during
         the preceding fiscal year under the terms of each Servicing Agreement,
         Trust Agreement, Pooling and Servicing Agreement and/or Servicer Guide
         pursuant to which the Servicer services mortgage Loans for Structured
         Asset Mortgage Investments, Inc. ("SAMI") (the "Agreements") and to the
         best of my knowledge, the Servicer has fulfilled all of its duties,
         responsibilities or obligations under these Agreements throughout such
         year, or if the has been a default or failure of the Servicer to
         perform any such duties, responsibilities or obligations, a description
         of each default or failure and the nature and status thereof has been
         reported to SAMI;

b)       I have confirmed that the Servicer is currently an approved FNMA or
         FHLMC Servicer in good standing;

c)       I have confirmed that the Fidelity Bond, the Errors and Omissions
         Insurance Policy and any other bonds required under the terms of the
         Agreements are in full force and effect;

d)       All premiums for each Hazard Insurance Policy, Flood Insurance Policy
         (if applicable) and Primary Mortgage Insurance Policy (if applicable),
         with respect to each Mortgage Property, have been paid and that such
         insurance policies are in full force and effect;

e)       All real estate taxes, governmental assessments and any other expenses
         accrued and due, that if not paid could result in a lien or encumbrance
         on any Mortgage Property, have been paid, or if any such costs or
         expenses have been paid with respect to any Mortgaged Property, the
         reason for the non-payment has been reported to SAMI;

f)       All Custodial Accounts have been reconciled and are properly funded;
         and



<PAGE>

g)       All annual reports of Foreclosure and Abandonment of Mortgaged Property
         required per section 6050J and 6050P of the Internal Revenue Code,
         respectively, have been prepared and filed.

Certified by:

/s/ Marc Hinkle
---------------------------------
Officer

Director - Loan Servicing
---------------------------------
Title



3/28/03
-------
Date


Ex-99.3 d)

Chase Manhattan Mortgage Corporation
3415 Vision Drive
Columbus, OH 43219
1-800-848-9136 Customer Service
1-800-582-0542 TDD / Text Telephone

Thacher Proffitt & Wood
11 West 42nd Street
New York, NY 10036

RE:      Annual Certification
         --------------------

1. Pursuant to the servicing agreement, the undersigned Officer certifies to the
following:

2. All hazard (or mortgage impairment, if applicable) flood or other casualty
insurance and primary mortgage guaranty insurance premiums, taxes, ground rents,
assessments and other changes have been paid by/in connection with the Mortgaged
Properties;

3. All property inspections have been completed;

4. Compliance relative to Adjustable Rate Mortgages have been met;

5. Compliance with IRS Foreclosure reporting regulations enacted as IRS Section
6060.1 by the Deficit Reduction Act, regarding Acquired and/or Abandonment
property have been completed,

<PAGE>


6. All loans CMMC services in state that have statutes requiring payment of
interest can escrow/impound accounts have been completed;

7. That such officer has confirmed that the fidelity Bond, the Errors and
Omissions Insurance Policy, and any other bonds required under the terms of the
Servicing Agreement are in full force and effect.

Enclosed is a copy of our most recent independent audit statement.

CERTIFIED BY:      /s/ Lucy P. Gambino               DATE:  March 31, 2003
                   ---------------------
                   Lucy P. Gambino
                   Vice President
                   Chase Manhattan Mortgage Corporation
                   3415 Vision Drive
                   Columbus, OH 34219


Ex-99.3 e)
                                           March 31, 2003




WELLS FARGO BANK MINNESOTA, N.A.
11000 BROKEN LAND PARKWAY
COLUMBIA, MD  21044
ATTN:  JOYCE JONES


RE:      Annual Statement as to Compliance:
         Fixed Rate Mortgage Loans
         Series:      1997-WL13            CMI
         Pooling & Servicing Agreement Dated 10/01/1997



                              OFFICER'S CERTIFICATE
                              ---------------------


Dear Investor:

The activities of CitiMortgage, Inc. performed under the above-captioned
agreement during the preceding calendar year, have been conducted under my
supervision. Based upon a review of those activities and to the best of my
knowledge, CitiMortgage, Inc. has fulfilled all of its obligations under this
agreement.







<PAGE>
CITIMORTGAGE, INC.



By:      /s/ Patsy M. Barker
         ------------------------------
         Patsy M. Barker
         Vice President



By:      /s/ Timothy Klingert
         ------------------------------
         Timothy Klingert
         Assistant Vice President

Ex-99.3 f)

March 21, 2003



WELLS FARGO BANK
Re: GE Capital Mtg. Services
9062 Old Annapolis Rd
Columbia, MD  21045
Attn: Brian Helfrich


                              OFFICER'S CERTIFICATE



I, Joseph Candelario, hereby certify that I am the First Vice President, Loan
Administration of Countrywide Home Loans, Inc., fka Countrywide Funding
Corporation. I further certify, with respect to the Servicing Agreements for
Countrywide Mortgage Obligations, Inc., the following:

I have reviewed the activities and performance of the Servicer during the fiscal
year ended December 31, 2002 under the Agreements and, to the best of my
knowledge, based on my review, the Servicer has fulfilled all of its duties,
responsibilities or obligations under the Agreements throughout the fiscal year.




/s/ Joseph Candelario                                            3/28/03
---------------------                                            -------
Joseph Candelario                                                Date
First Vice President
Compliance Officer
Loan Administration



<PAGE>

Ex-99.3 g)

                              Officer's Certificate
================================================================================

I, Sue Stepanek, Executive Vice President of EMC Mortgage Corporation, do hereby
certify to Wells Fargo, the "Company," that in respect to the period ending
November 30, 2002, a review of the activities of EMC Mortgage Corporation and
its performance under the Selling and Servicing Agreements, Pooling and
Servicing Agreement, or other Agreement therein has been made under my
supervision. To the best of my knowledge, based on such review, "EMC" has
performed and fulfilled its duties, responsibilities and obligations in all
material respects with the terms and provisions under said Agreements throughout
such year, or, if there has been a default in the fulfillment of any such
duties, responsibilities or obligations, specifying each such default known to
such Servicing Officer the nature and status thereof has been reported to the
Company.


/s/ Sue Stepanek
--------------------------------------
Sue Stepanek, Executive Vice President



3/28/03
--------------------------------------
Date

Ex-99.3 h)

March 14, 2003


Sandra Tavegia
Structured Asset Mortgage Investment
c/o Wells Fargo Bank Minnesota, NA
9062 Old Annapolis Road
Columbia, MD 21045-1951

Re:      OFFICERS STATEMENT OF COMPLIANCE
         YEAR ENDING 2002

================================================================================

We hereby certify to the best of our knowledge and belief, that for the calendar
year 2002:


<PAGE>

1. A review of the activities of the Seller / Servicer and of performance
according to the Seller / Servicer contract has been made with the undersigned
Officer's knowledge.

2. To the best of the undersigned Officer's knowledge, and based on such review,
the Seller / Servicer has fulfilled all its obligations under the Guides for
such year.

3. If applicable, GMACM has filed the information returns with respect to the
receipt of mortgage interest pursuant to Sections 6050H, 6050J and 6050P of the
Code, received in a trade or business, reports of foreclosures and abandonment's
of any Mortgaged Property and the information returns relating to cancellation
of indebtedness income with respect to any Mortgaged Property.

4. All hazard, flood, FHA mortgage insurance and primary mortgage insurance
premiums, taxes, ground rents, assessments and other lienable items have been
paid in connection with the mortgaged properties.

5. All property inspections have been completed as required.

6. Compliance relative to Adjustable Rate Mortgages has been met.

7. Fidelity Bond and Errors and Omissions Insurance coverage is current, in full
force and effect.


Servicer:         GMAC Mortgage Corporation
                  ----------------------------------

By:               /s/ Michael Kacergis
                  ----------------------------------

Name:             /s/ Michael Kacergis
                  ----------------------------------

Title:            Manager - Contract Administration
                  ----------------------------------

Ex-99.3 i)

Ex-99.3 j)
                              OFFICER'S CERTIFICATE
                         ANNUAL STATEMENT OF COMPLIANCE

         Reference is hereby made to Structured Asset Mortgage Investment, Inc.,
Mortgage Pass-Through Certificates, Series 2000-1, Bear Stearns ARM Trust,
Mortgage Pass-Through Certificates, Series 2001-1, Bear Stearns ARM Trust,
Mortgage Pass-Through Certificates, Series 2001-3, Bear Stearns ARM Trust,
Mortgage Pass-Through Certificates, Series 2001-4, Bear Stearns ARM Trust,
Mortgage Pass-Through Certificates, Series 2001-6, Bear Stearns ARM Trust,
Mortgage Pass-Through Certificates, Series 2001-10, Bear Stearns ARM Trust,
Mortgage Pass-Through Certificates, Series 2002-7 and E*Trade ARM Trust Series
2001-1 (together, the "SECURITIZATIONS"). Washington Mutual Bank, FA (the
"SERVICER") services mortgage loans in connection with the Securitizations (the
"MORTGAGE LOANS") pursuant to the terms of various servicing agreements (i)
between EMC Mortgage Corporation or an affiliate thereof ("EMC") and the
Servicer or a predecessor of the Servicer (collectively, the "EMC SERVICING
AGREEMENTS") and (ii) between E*Trade Bank (or its predecessor in interest) and
the Servicer or a predecessor of the Servicer (collectively, the "E*TRADE
SERVICING AGREEMENTS", together with the EMC Servicing Agreements, the
"SERVICING AGREEMENTS").


<PAGE>

I, Gabriel V. Barroso, an authorized officer of the Servicer, certify for the
benefit of any master servicer of any of the Mortgage Loans (each a "MASTER
SERVICER") and any entity which is the depositor of the Mortgage Loans (each, a
"DEPOSITOR") with respect to the calendar year immediately preceding the date of
this Officer's Certificate (the "RELEVANT YEAR"), as follows:

8. A review of the activities of the Servicer during the Relevant Year and of
performance under the Servicing Agreements has been made under my supervision,
and

9. To the best of my knowledge, based on such review, the Servicer has fulfilled
all of its obligations under the Servicing Agreements throughout the Relevant
Year.



DATED as of March 18, 2003.

                                             /s/ Gabriel V. Barroso
                                             -------------------------------

                                             Name:  Gabriel V. Barroso
                                             -------------------------------

                                             Title:  First Vice President
                                             -------------------------------

Ex-99.3 k)

Wells Fargo
Home Mortgage    (logo)

One Home Campus
Des Moines, IA 50328-0001


March 31, 2003


Re: 2002 Annual Certification

We hereby certify to the best of our knowledge and belief that for the calendar
year of 2002:

1. All real estate taxes, bonds assessments and other lienable items have
been paid.

2. All FHA mortgage insurance, private mortgage insuarance premiums, and flood
insurance have been paid (if applicable).

3. Hazard insurance policies held by us meet the requirements as specified in
the servicing agreement, or those of a normal prudent lender if not specified,
and those premiums due have been paid.


<PAGE>

4. We have made all property inspections as required.

5. Fidelity bond and Errors and Omissions insurance coverage currently exits.

6. That the Officer signing this certificate has reviewed the activities and
performance of the Servicer during the preceding fiscal year under the terms of
the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
Seller/Servicer Guide or similar agreements and to the best of this officer's
knowledge, the Servicer has fulfilled all of its duties, responsibilities or
obligations of such agreement throughout the year, or if there has been a
default or failure of the servicer to perform any such duties, responsibilites
or obligations, a description of each default or failure and the nature and
status has been reported.

Sincerely,

/s/ John B. Brown
------------------------------
John B. Brown
Vice President
Wells Fargo Home Mortgage Inc.