
[WACHOVIA LOGO]		HomEq Trust 2001-A HomEq Asset Backed Certificates Statement To Certificateholder		Record Date: 09/30/02 Determination Date: 10/10/02 Distribution Date: 10/15/02 2


					Original		Beginning						Current				Ending
		Certificate			Certificate		Certificate						Realized		Total		Certificate
Class	Cusip	Rate			Balance		Balance		Interest		Principal		Loss		Distribution		Balance

AC	43730PAA9		2.08313	%		952,413,000.00		530,276,342.68		889,844.50		18,723,000.30		0.00		19,612,844.80		511,553,342.38
Factors per Thousand										0.93430529		19.65848881				20.59279409		537.11293565
MC-1	43730PAB7		2.47313	%		72,271,000.00		72,271,000.00		143,981.44		0.00		0.00		143,981.44		72,271,000.00
Factors per Thousand										1.99224364		0.00000000				1.99224364		1000.00000000
MC-2	43730PAC5		2.92313	%		40,897,000.00		40,897,000.00		96,301.95		0.00		0.00		96,301.95		40,897,000.00
Factors per Thousand										2.35474362		0.00000000				2.35474362		1000.00000000
BC	43730PAD3		3.77313	%		39,217,000.00		39,217,000.00		119,198.73		0.00		0.00		119,198.73		39,217,000.00
Factors per Thousand										3.03946579		0.00000000				3.03946579		1000.00000000
Pool I						1,104,798,000.00		682,661,342.68		1,249,326.62		18,723,000.30		0.00		19,972,326.92		663,938,342.38
Totals										1.13081905		16.94698968				29.25656643		600.95903720
AN	43730PAE1		2.09313	%		441,015,000.00		246,495,858.15		415,624.68		7,750,495.90		0.00		8,166,120.58		238,745,362.25
Factors per Thousand										0.94242754		17.57422287				18.51665041		541.35429010
MN-1	43730PAF8		2.47313	%		30,335,000.00		30,335,000.00		60,434.71		0.00		0.00		60,434.71		30,335,000.00
Factors per Thousand										1.99224361		0.00000000				1.99224361		1000.00000000
MN-2	43730PAG6		2.92313	%		19,628,000.00		19,628,000.00		46,218.91		0.00		0.00		46,218.91		19,628,000.00
Factors per Thousand										2.35474373		0.00000000				2.35474373		1000.00000000
BN	43730PAH4		3.77313	%		16,824,000.00		16,824,000.00		51,135.97		0.00		0.00		51,135.97		16,824,000.00
Factors per Thousand										3.03946564		0.00000000				3.03946564		1000.00000000
Pool II						507,802,000.00		313,282,858.15		573,414.27		7,750,495.90		0.00		8,323,910.17		305,532,362.25
Totals										1.12920837		15.26283059				26.56995094		601.67616955
*X			0.00000	%		17,730,971.10		0.00		4,395,581.16		0.00		0.00		4,395,581.16		0.00
R			0.00000	%		0.00		0.00		0.00		0.00		0.00		0.00		0.00
Totals						1,612,600,000.00		995,944,200.83		6,218,322.05		26,473,496.20		0.00		32,691,818.25		969,470,704.63


Wells Fargo Bank Minnesota, N. A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703		* Notional Amount		Customer Service — CTSLink Telephone: 301-815-6600 Fax: 301-846-8152


[WACHOVIA LOGO]		HomEq Trust 2001-A HomEq Asset Backed Certificates Statement To Certificateholder		Record Date: 09/30/02 Determination Date: 10/10/02 Distribution Date: 10/15/02 2

Certificate Information


						Distributed		Outstanding		Aggregate
	Interest		Interest Rate based on			Certificateholders' Interest		Certificateholders' Interest		Certificateholders' Interest
	Requirement		LIBOR plus Margin			Carryover Amounts		Carryover Amounts		Carryover Amounts

AC		889,844.50		2.08313	%		0.00		0.00		0.00
MC-1		143,981.44		2.47313	%		0.00		0.00		0.00
MC-2		96,301.95		2.92313	%		0.00		0.00		0.00
BC		119,198.73		3.77313	%		0.00		0.00		0.00

											0.00
AN		415,624.68		2.09313	%		0.00		0.00		0.00
MN-1		60,434.71		2.47313	%		0.00		0.00		0.00
MN-2		46,218.91		2.92313	%		0.00		0.00		0.00
BN		51,135.97		3.77313	%		0.00		0.00		0.00

											0.00


	Interest Shortfall		Pool Applied
	Carryforward		Realized Amount		Class Percentages
AC		0.00		0.00		77.05	%
MC-1		0.00		0.00		10.89	%
MC-2		0.00		0.00		6.16	%
BC		0.00		0.00		5.91	%
AN		0.00		0.00		78.14	%
MN-1		0.00		0.00		9.93	%
MN-2		0.00		0.00		6.42	%
BN		0.00		0.00		5.51	%


Pool I Supplemental Account
	Beginning Balance			5,000.00
	Deposits Received			0.00
			Payments	0.00
		Ending Balance		5,000.00


Pool II Supplemental Account
	Beginning Balance			5,000.00
	Deposits Received			0.00
			Payments	0.00
		Ending Balance		5,000.00


Wells Fargo Bank Minnesota, N. A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703		Customer Service — CTSLink Telephone: 301-815-6600 Fax: 301-846-8152


[WACHOVIA LOGO]		HomEq Trust 2001-A HomEq Asset Backed Certificates Statement To Certificateholder		Record Date: 09/30/02 Determination Date: 10/10/02 Distribution Date: 10/15/02 2

Pool I

Schedule of Remittance


Aggregate Amount Received	23,823,200.24
(Escrow)	(266,866.05	)
(Late Charges)	(224,712.41	)
(Servicer Fee)	(290,642.99	)
(Unreimbursed Monthly Advance)	0.00
(Excess Spread)	(3,804,895.56	)
(Subordination Reduction Amount)	0.00
Monthly Advance	149,715.04

	(4,437,401.98	)
Available Remittance Amount	19,385,798.26

Fees


Custodian Fee			3,581.38
Expense Account			11,042.59
Servicer Fee			290,642.99
Trust Administrator Fee			3,581.38
Trustee Fee			1,492.24

Prior Three Months Weighted Average Mortgage Interest Rates


6/02	7/02			8/02

9.006%		8.999	%		8.987	%

Collateral Information


Accelerated Principal Distribution			616,031.88
Aggregate Beginning Principal Balance of Loans			716,275,952.20
Aggregate Ending Principal Balance of Loans			697,552,951.90
Class X Remittance Amount Payable			3,207,324.32
Compensating Interest			1,098.59
Curtailments			976,385.25
Defaulted Mortgage Loan (Number/Amount)	0		0.00
Excess and Monthly Payments			1,237,007.93
Interest Received			5,206,192.73
LIBOR Rate			1.82313	%
Net Funds Cap			9.21000	%
Principal Prepayments (Number / Amount)	232		15,893,575.24
Realized Losses (Current / Cumulative)	616,031.95		3,564,010.87
Specified Subordinated Amount			33,614,609.52
Spread Amount			33,614,609.52
Subordinated Amount			33,614,609.52
Trigger Event in effect? (Yes/No)		No
WAC			8.986	%
WAM			272.165
Weighted Average Coupon Cap			8.472	%


Wells Fargo Bank Minnesota, N. A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703		Customer Service — CTSLink Telephone: 301-815-6600 Fax: 301-846-8152


[WACHOVIA LOGO]		HomEq Trust 2001-A HomEq Asset Backed Certificates Statement To Certificateholder		Record Date: 09/30/02 Determination Date: 10/10/02 Distribution Date: 10/15/02 2

Pool II

Schedule of Remittance


Aggregate Amount Received	9,819,445.53
(Escrow)	(165,484.59	)
(Late Charges)	(117,454.32	)
(Servicer Fee)	(130,138.93	)
(Unreimbursed Monthly Advance)	0.00
(Excess Spread)	(1,925,139.34	)
(Subordination Reduction Amount)	0.00
Monthly Advance	110,845.25

	(2,227,371.93	)
Available Remittance Amount	7,592,073.60

Fees


Custodian Fee			1,636.52
Expense Account			5,045.93
Servicer Fee			130,138.93
Trust Administrator Fee			1,636.52
Trustee Fee			681.88

Prior Three Months Weighted Average Mortgage Interest Rates


6/02	7/02			8/02

9.689%		9.682	%		9.680	%

Collateral Information


Accelerated Principal Distribution			736,882.50
Aggregate Beginning Principal Balance of Loans			327,303,567.80
Aggregate Ending Principal Balance of Loans			319,553,071.90
Class X Remittance Amount Payable			1,188,256.84
Compensating Interest			8,680.42
Curtailments			480,901.38
Defaulted Mortgage Loan (Number/Amount)	0		0.00
Excess and Monthly Payments			562,117.57
Interest Received			2,522,893.22
LIBOR Rate			1.82313	%
Net Funds Cap			9.93000	%
Principal Prepayments (Number / Amount)	111		5,970,594.45
Realized Losses (Current / Cumulative)	736,882.51		3,670,342.63
Specified Subordinated Amount			14,020,709.65
Spread Amount			14,020,709.65
Subordinated Amount			14,020,709.65
Trigger Event in effect? (Yes/No)		No
WAC			9.679	%
WAM			271.549
Weighted Average Coupon Cap			9.165	%


Wells Fargo Bank Minnesota, N. A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703		Customer Service — CTSLink Telephone: 301-815-6600 Fax: 301-846-8152


[WACHOVIA LOGO]		HomEq Trust 2001-A HomEq Asset Backed Certificates Statement To Certificateholder		Record Date: 09/30/02 Determination Date: 10/10/02 Distribution Date: 10/15/02 2

EXHIBIT O

Pool I


Outstanding Balance		697,552,951.90
	# Accounts	11,691

Pool II


Outstanding Balance		319,553,071.90
	# Accounts	6,450


Delinquent Infor.	# Loans		Amount		Percentage

Delinquent 1-29 Days		985		52,550,533.35		7.53	%
Delinquent 30-59 Days		207		12,291,324.70		1.76	%
Delinquent 60-89 Days		55		2,871,451.98		0.41	%
Delinquent 90 and over		94		5,384,643.14		0.77	%
Loans in Foreclosure		293		17,618,177.30		2.53	%
REO Property		123		6,994,375.20		1.00	%
Totals		1,757		97,710,505.67		14.01	%


Delinquent Infor.	# Loans		Amount		Percentage

Delinquent 1-29 Days		714		33,295,089.89		10.42	%
Delinquent 30-59 Days		193		8,170,485.17		2.56	%
Delinquent 60-89 Days		48		2,022,220.46		0.63	%
Delinquent 90 and over		107		5,353,936.07		1.68	%
Loans in Foreclosure		256		14,560,240.53		4.56	%
REO Property		88		5,235,680.65		1.64	%
Totals		1,406		68,637,652.77		21.48	%


Wells Fargo Bank Minnesota, N. A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703		Customer Service — CTSLink Telephone: 301-815-6600 Fax: 301-846-8152

TMS MORTGAGE INC 8-K