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



                                      FORM 10-K


  (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:  333-82904-05


        Structured Asset Securities Corporation
        Mortgage-Backed Notes
        Series 2002-9 Trust

       (Exact name of registrant as specified in its charter)



   Delaware                                       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 14(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 Trust 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 A-1                         1
             Class A-2                        10
             Class B-1                         1
             Class M-1                         1
             Class M-2                         1
             Class R                           1

             Total:                           15


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

            Subsequent to the filing by the Master Servicer of the Form 8-K
            relating to the payment date on May 25, 2002 a revision was made
            to the payment date statement that was included in the original
            8-K.  This revision was not previously disclosed in a 1934 Act
            filing.  The Master Servicer has represented to the filing person
            that an amended Form 8-K will be filed by the Master Servicer.
            The Master Servicer has stated that the revised data has been and
            will continue to be available online at www.ctslink.com.


  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) ABN Amro Mortgage Group, as Servicer <F2>
       b) Alliance Mtg Co, as Servicer <F1>
       c) Ameriquest Mortgage, as Servicer <F1>
       d) Aurora Loan Srvcs Inc, as Servicer <F2>
       e) Charter One Mortgage Corp., as Servicer <F1>
       f) Chase Manhattan Mtg Corp, as Servicer <F1>
       g) CitiMortgage Inc. (MO), as Servicer <F1>
       h) Countrywide Funding, as Servicer <F1>
       i) Countrywide Home Loans Inc., as Servicer <F1>
       j) Dovenmuehle Mtg Co, as Servicer <F1>
       k) EMC Mortgage Corp, as Servicer <F2>
       l) GMAC Mortgage Corp, as Servicer <F1>
       m) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
       n) Homeside Lending Inc (TX), as Servicer <F1>
       o) HSBC Bank, USA, as Servicer <F1>
       p) M & T Mortgage Corp, as Servicer <F1>
       q) Matrix Financial Services Corp., as Servicer <F1>
       r) Mission Hills Mortgage Corp., as Servicer <F1>
       s) North American Mortgage, as Servicer <F1>
       t) Origen Financial, as Servicer <F1>
       u) Residential Funding Corp, as Servicer <F1>
       v) Saxon Mortgage Services, as Servicer <F1>
       w) Washington Mutual Bank, F.A., as Servicer <F1>
       x) Wells Fargo Home Mortgage, Inc, as Servicer <F2>
       </TABLE>

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

       <TABLE>

       
        <c>
       a) ABN Amro Mortgage Group, as Servicer <F2>
       b) Alliance Mtg Co, as Servicer <F1>
       c) Ameriquest Mortgage, as Servicer <F1>
       d) Aurora Loan Srvcs Inc, as Servicer <F2>
       e) Charter One Mortgage Corp., as Servicer <F1>
       f) Chase Manhattan Mtg Corp, as Servicer <F1>
       g) CitiMortgage Inc. (MO), as Servicer <F1>
       h) Countrywide Funding, as Servicer <F1>
       i) Countrywide Home Loans Inc., as Servicer <F1>
       j) Dovenmuehle Mtg Co, as Servicer <F1>
       k) EMC Mortgage Corp, as Servicer <F2>
       l) GMAC Mortgage Corp, as Servicer <F1>
       m) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
       n) Homeside Lending Inc (TX), as Servicer <F1>
       o) HSBC Bank, USA, as Servicer <F1>
       p) M & T Mortgage Corp, as Servicer <F1>
       q) Matrix Financial Services Corp., as Servicer <F1>
       r) Mission Hills Mortgage Corp., as Servicer <F1>
       s) North American Mortgage, as Servicer <F1>
       t) Origen Financial, as Servicer <F1>
       u) Residential Funding Corp, as Servicer <F1>
       v) Saxon Mortgage Services, as Servicer <F1>
       w) Washington Mutual Bank, F.A., as Servicer <F1>
       x) Wells Fargo Home Mortgage, Inc, as Servicer <F2>
       </TABLE>

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

       <TABLE>

       
         <c>
       a) ABN Amro Mortgage Group, as Servicer <F2>
       b) Alliance Mtg Co, as Servicer <F1>
       c) Ameriquest Mortgage, as Servicer <F1>
       d) Aurora Loan Srvcs Inc, as Servicer <F1>
       e) Charter One Mortgage Corp., as Servicer <F1>
       f) Chase Manhattan Mtg Corp, as Servicer <F1>
       g) CitiMortgage Inc. (MO), as Servicer <F1>
       h) Countrywide Funding, as Servicer <F1>
       i) Countrywide Home Loans Inc., as Servicer <F1>
       j) Dovenmuehle Mtg Co, as Servicer <F1>
       k) EMC Mortgage Corp, as Servicer <F1>
       l) GMAC Mortgage Corp, as Servicer <F1>
       m) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
       n) Homeside Lending Inc (TX), as Servicer <F1>
       o) HSBC Bank, USA, as Servicer <F1>
       p) M & T Mortgage Corp, as Servicer <F1>
       q) Matrix Financial Services Corp., as Servicer <F1>
       r) Mission Hills Mortgage Corp., as Servicer <F1>
       s) North American Mortgage, as Servicer <F1>
       t) Origen Financial, as Servicer <F1>
       u) Residential Funding Corp, as Servicer <F1>
       v) Saxon Mortgage Services, as Servicer <F1>
       w) Washington Mutual Bank, F.A., as Servicer <F1>
       x) Wells Fargo Home Mortgage, Inc, as Servicer <F2>
       </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> Such document (i) is not filed herewith since such document was not
  received by the reporting person at least three business days prior to
  the due date covered by this report, and (ii) will be included in an
  amendment to this report on Form 10-K/A to be filed within 30 days of the
  Reporting Person's receipt of such document.

  <F2> 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-Backed Notes
    Series 2002-9 Trust
    (Registrant)



  Signed:  Structured Asset Securities Corporation as Depositor


  By:   Stanley Labanowski as Senior Vice President

  By: /s/  Stanley Labanowski

  Dated: March 25, 2003



Sarbanes-Oxley Certification

I,   Stanley Labanowski, 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-Backed Notes Series 2002-9 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.   Based on my knowledge and upon the annual compliance statement included in
     the report and required to be delivered to the trustee in accordance with
     the terms of the pooling and servicing, or similar agreement, and except
     as disclosed in the reports, the servicer has fulfilled its obligations
     under the servicing 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: ABN Amro
     Mortgage Group, as Servicer, Alliance Mtg Co, as Servicer, Ameriquest
     Mortgage, as Servicer, Aurora Loan Srvcs Inc, as Servicer, Charter One
     Mortgage Corp., as Servicer, Chase Manhattan Mtg Corp, as Servicer,
     CitiMortgage Inc. (MO), as Servicer, Countrywide Funding, as Servicer,
     Countrywide Home Loans Inc., as Servicer, Dovenmuehle Mtg Co, as Servicer,
     EMC Mortgage Corp, as Servicer, GMAC Mortgage Corp, as Servicer,
     Greenpoint Mortgage Funding, Inc., as Servicer, Homeside Lending Inc (TX),
     as Servicer, HSBC Bank, USA, as Servicer, M & T Mortgage Corp, as Servicer,
     Matrix Financial Services Corp., as Servicer, Mission Hills Mortgage
     Corp., as Servicer, North American Mortgage, as Servicer, Origen
     Financial, as Servicer, Residential Funding Corp, as Servicer, Saxon
     Mortgage Services, as Servicer, Washington Mutual Bank, F.A., as Servicer,
     Wells Fargo Home Mortgage, Inc, as Servicer, Wells Fargo Bank Minnesota,
     National Association, as Master Servicer, and JPMoragan Chase Bank as
     Indenture Trustee and Administrator.


      Date: 3/27/03
      Structured Asset Securities Corporation, as Depositor

      /s/ Stanley Labanowski
      Signature


      Stanley Labanowski
      Senior 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
Sears Tower
233 South Wacker Drive
Chicago, Illinois 60606-6301
Phone: (312) 879-2000
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
ABN AMRO North America, Inc.

We have examined management's assertion, included in the accompanying report
titled Report of Management, that except for noncompliance with the minimum
servicing standard for escrow funds, ABN AMRO Mortgage Group, Inc. (AAMG, a
wholly owned subsidiary of ABN AMRO North America, Inc.) 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 AAMG's
compliance with those requirements.  Our responsibility is to express an opinion
on management's assertions about AAMG'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 AAMG'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 AAMG's compliance with specified requirements.

In our opinion, management's assertion, that except for noncompliance with the
minimum servicing standard for escrow funds, AAMG complied with the
aforementioned requirements during 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 board of
directors, management, and AAMG'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

January 20, 2003

A Member Practice of Ernst & Young Global




Ex-99.1 (d)

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 (k)

Deloitte
& Touche    (logo)

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

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

INDEPENDENT ACCOUNTANTS' REPORT

Board of Directors and Stockholder
EMC Mortgage Corporation

We have examined the accompanying management assertion that EMC Mortgage
Corporation (the "Company") (a wholly owned subsidiary of The Bear Stearns
Companies Inc.) complied with the minimum servicing standards identified in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers as of and for 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 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 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 the
aforementioned minimum servicing standards as of and for the year ended November
30, 2002 is fairly stated, in all material respects.

/s/ Deloitte & Touche LLP

January 15, 2003



Deloitte
Touche
Tohmatsu       (logo)



Ex-99.1 (x)

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)

ABN AMRO (logo)

ABN AMRO Mortgage Group, Inc.
4242 North Harlem Avenue
Norridge, Illinois 60706-1283

www.mortgage.com


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 ABN AMRO Mortgage Group, Inc. (AAMG, a wholly
owned subsidiary of ABN AMRO North America, Inc.) 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
preformed an evaluation of AAMG'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, AAMG complied, in all material respects, with the minimum
servicing standards set forth in the USAP except as described below.

Escrow funds were not returned to mortgagors within 30  calendar days of payoff
for 2 out of the 25 loans tested.

As of and for this same period, ABN AMRO North America, Inc. had in effect a
fidelity bond in the amount of $500,000,000 and an error and omissions policy
in the amount of $25,000,000.

/s/ Stanley Rhodes
Stanley Rhodes
President

/s/ Richard Geary
Richard Geary
Group Senior Vice President

January 20, 2003

Affiliate Banks and Other Lending Offices: ABN AMRO Mortgage, LaSalle Bank N.A.,
LaSalle Home Mortgage, Standard Federal Bank N.A.




Ex-99.2 (d)

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 (k)

EMC
Mortgage Corporation       (logo)

January 15, 2003

As of and for the year ended November 30, 2002, EMC Mortgage Corporation (the
"Company") (a wholly owned subsidiary of The Bear Stearns Companies, 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 November 30, 2002 and for the year then ended, the company had in effect
a fidelity bond in the amount of $200,000,000, and errors and omissions
liability coverage in the amount of $10,000,000 on any individual mortgage
impairment claim.

/s/ Ralene Ruyle
Ralene Ruyle, President

/s/ Beverly A. Sibblies
Beverly A. Sibblies, Executive Vice President

/s/ Scott D. Samlin
Scott D. Samlin, Senior Vice President



Two MacArthur Ridge, 909 Hidden Ridge Drive, Suite 200, Irving Texas 75038
Mailing Address: P.O. Box 141358 Irving, Texas 75014-1358


Member
Mortgage Bankers
Association of America        (logo)




Ex-99.2 (x)

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
Executive Vice President

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




Ex-99.3 (a)(i)

ABN AMRO (logo)

ABN AMRO Mortgage Group, Inc.
4242 North Harlem Avenue
Norridge, Illnois 60706-1283

www.mortgage.com


CERTIFICATE OF COMPLIANCE

The undersigned, an officer of ABN AMRO Mortgage Group, Inc.,
(the "participant"), hereby certifies as follows:

1. I have made, or caused to be made under my supervision, a review of the
activities of ABN AMRO Mortgage Group, Inc. during the preceding calendar year
ending December 31, 2002, with respect to performance under the

and

2. To the best of my knowledge, based on such review, there is as of this date,
no default by ABN AMRO in the fulfillment of any of it's obligations under this
issue.

In witness whereof the undersigned has this Certificate of Compliance this 1st
day of March, 2003.


ABN AMRO Mortgage Group, Inc.

By: /s/ Mary P. Sperlik
Mary P. Sperlik
First Vice President

Affiliate Banks and Other Lending Offices: ABN AMRO Mortgage, LaSalle Bank N.A.,
LaSalle Home Mortgage, Standard Federal Bank N.A.




Ex-99.3 (a)(ii)

ABN-AMRO    (logo)

ABN AMRO Mortgage Group, Inc.
4242 North Harlem Avenue
Norridge, Illinois 60706-1283

www.mortgage.com

ANNUAL SERVICING CERTIFICATION

To Whom It May Concern:

Pursuant to the Servicing Agreement(s) between us, we certify with respect to
each mortgage loan serviced for you, that as of December 31, 2002 except
otherwise noted below:

1.  All (a) taxes, assessments and other governmental charges levied against
    the mortgaged premises, (b) ground rents payable with respect to the
    mortgaged premises, if any, and (c) premiums on applicable FHA or private
    mortgage insurance, if any, which would be delinquent if not paid, have
    been paid.

2.  Hazard Insurance coverage on the improvements on the mortgaged premises
    in the form and amount and with the coverage required by the Servicing
    Agreement is in effect.

EXCEPTIONS
None

Sincerely,
ABN AMRO Mortgage Group, Inc.

/s/ Mary P. Sperlik
Mary P. Sperlik
First Vice President
Investor Accounting



Affiliate Banks and Other Lending Offices: ABN AMRO Mortgage, LaSalle Bank N.A.,
LaSalle Home Mortgage, Standard Federal Bank N.A.



Ex-99.3 (x)

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 insurance 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.

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,
responsibilities 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.



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>
   A-1                         4,833,823.91        84,334,111.35                0.00            297,333,888.65
   A-2                         2,528,159.32        36,552,021.98                0.00            159,192,978.02
   B-1                           104,062.12         1,154,029.13                0.00              3,310,970.87
   B-2                           376,596.15         9,999,999.99                0.00                      0.00
   GROUP3                              0.00                 0.00                0.00                      0.00
   M-1                           122,781.19                 0.00                0.00              7,441,000.00
   M-2                           118,484.98                 0.00                0.00              5,953,000.00
   R                           4,725,524.03                 0.00                0.00                      0.00
   </TABLE>