8-K 1 rma03003_nov.txt NOVEMBER 8K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 25, 2003 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2003-3 Trust (Exact name of registrant as specified in its charter) 54-2139142 54-2139143 54-2139144 New York (governing law of 333-106896-01 54-2139145 Pooling and Servicing Agreement) (Commission 54-2139146 (State or other File Number) IRS EIN jurisdiction of Incorporation) 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 (Former name or former address, if changed since last report) ITEM 5. Other Events On November 25, 2003 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2003-3 Trust. ITEM 7. Financial Statements and Exhibits (c) Exhibits furnished in accordance with Item 601(a) of Regulation S-K Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2003-3 Trust, relating to the November 25, 2003 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2003-3 Trust By: Wells Fargo Bank Minnesota, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 1/14/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2003-3 Trust, relating to the November 25, 2003 distribution. EX-99.1

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
_____
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15 (d)
OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (date of earliest event reported) November 6, 2003
Renaissance Mortgage Acceptance Corp.
(Exact name of registrant as specified in its charter)
Delaware (State or other jurisdiction of incorporation)	333-82550 (Commission File Number)		52-2356399 (IRS Employer ID Number)
1000 Woodbury Road, Woodbury, New York 11797
(Address of principal executive offices)		(Zip Code)
Registrant’s Telephone Number, including area code:		(516) 364-8500
N/A (Former name or former address, if changed since last report)

~~Item~~Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A 0.00 359,209,531.84 2,355,055.29 0.00 A-IO-1 0.00 0.00 122,811.82 0.00 A-IO-2 0.00 0.00 501,544.85 0.00 M1 0.00 29,700,000.00 44,261.25 0.00 M-2A 0.00 10,000,000.00 22,716.67 0.00 M-2F 0.00 12,000,000.00 56,810.00 0.00 M3 0.00 6,600,000.00 17,917.17 0.00 M4 0.00 4,620,000.00 16,263.68 0.00 M5 0.00 5,500,000. ~~Other~~00 ~~Events~~19,361.53 0.00 M6 0.00 4,400,000.00 22,916.67 0.00 BIO 0.00 0.01 1,379,753.11 0.00 P 0.00 100.00 14,973.44 0.00 R1 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 R3 0.00 0.00 0.00 0.00 R4 0.00 0.00 0.00 0.00 R5 0.00 0.00 0.00 0.00 Totals 0.00 432,029,631.85 4,574,385.48 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

~~This~~Principal ~~Current~~Distribution ~~Report~~Statement onOriginal ~~Form~~Beginning ~~8-K~~Scheduled isUnscheduled ~~being~~Face ~~filed~~Certificate toPrincipal ~~file~~Principal aRealized ~~copy~~Class ofAmount ~~the~~Balance ~~Pooling~~Distribution ~~and~~Distribution ~~Servicing~~Accretion ~~Agreement~~Loss ~~dated~~(1) asA of361,900,000.00 ~~September~~361,093,360.29 0.00 1,883,828.45 ~~2003~~0.00 0.00 A-IO-1 0.00 0.00 0.00 0.00 0.00 0.00 A-IO-2 0.00 0.00 0.00 0.00 0.00 0.00 M1 29,700,000.00 ~~among~~29,700,000.00 ~~Delta~~0.00 ~~Funding~~0.00 ~~Corporation~~0.00 0.00 M-2A 10,000,000.00 as10,000,000.00 ~~seller~~0.00 0.00 0.00 0.00 M-2F 12,000,000.00 ~~Renaissance~~12,000,000.00 ~~Mortgage~~0.00 ~~Acceptance~~0.00 ~~Corp~~0.00 0.00 M3 6,600,000.00 as6,600,000.00 ~~depositor~~0.00 0.00 0.00 0.00 M4 4,620,000.00 ~~Ocwen~~4,620,000.00 ~~Federal~~0.00 ~~Bank~~0.00 ~~FSB~~0.00 0.00 M5 5,500,000.00 as5,500,000.00 ~~servicer~~0.00 0.00 0.00 0.00 M6 4,400,000.00 ~~and~~4,400,000.00 ~~Wells~~0.00 ~~Fargo~~0.00 ~~Bank~~0.00 ~~Minnesota~~0.00 BIO 0.00 0.01 0.00 0.00 0.00 0.00 P 0.00 0.01 0.00 0.00 0.00 0.00 R1 0.00 0.00 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 0.00 0.00 R3 0.00 0.00 0.00 0.00 0.00 0.00 R4 0.00 0.00 0.00 0.00 0.00 0.00 R5 0.00 0.00 0.00 0.00 0.00 0.00 Totals 434,720,000.00 ~~National~~433,913,360.31 ~~Association~~0.00 1,883,828.45 as0.00 ~~trustee~~0.00 (~~the~~1) ~~“Pooling~~Amount ~~and~~Does ~~Servicing~~Not ~~Agreement”),~~Include inExcess ~~connection~~Special ~~with~~Hazard, ~~the~~Bankruptcy, ~~issuance~~or byFraud ~~Renaissance~~Losses ~~Home~~Unless ~~Equity~~Otherwise ~~Loan~~Disclosed. ~~Trust~~Please ~~2003-3~~Refer ofto ~~Home~~the ~~Equity~~Prospectus ~~Loan~~Supplement ~~Asset-Backed~~for ~~Certificates,~~a ~~Series~~Full ~~2003-3~~Description.

~~Item~~Principal 7Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution A 1,883,828.45 359,209,531.84 0.99256571 1,883,828.45 A-IO-1 0.00 0.00 0.00000000 0.00 A-IO-2 0.00 0.00 0.00000000 0.00 M1 0.00 29,700,000.00 1.00000000 0.00 M-2A 0.00 10,000,000.00 1.00000000 0.00 M-2F 0.00 12,000,000.00 1.00000000 0.00 M3 0.00 6,600,000.00 1.00000000 0.00 M4 0.00 4,620,000.00 1.00000000 0.00 M5 0.00 5,500,000.00 1.00000000 0.00 M6 0.00 4,400,000.00 1.00000000 0.00 BIO 0.00 0.01 0.00000000 0.00 P 0.00 100.00 0.00000000 0.00 R1 0.00 0.00 0.00000000 0.00 R2 0.00 0.00 0.00000000 0.00 R3 0.00 0.00 0.00000000 0.00 R4 0.00 0.00 0.00000000 0.00 R5 0.00 0.00 0.00000000 0.00 Totals 1,883,828.45 432,029,631.85 0.99381126 1,883,828.45

~~Financial~~Principal ~~Statements~~Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A 361,900,000.00 ~~Pro~~997.77109779 ~~Forma~~0.00000000 ~~Financial~~5.20538395 ~~Information~~0.00000000 ~~and~~A-IO-1 ~~Exhibits~~0.00 0.00000000 0.00000000 0.00000000 0.00000000 A-IO-2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 M1 29,700,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2A 10,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2F 12,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M3 6,600,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M4 4,620,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M5 5,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M6 4,400,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R3 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R4 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R5 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are per $1,000 denomination

Principal Distribution Factors Statement (qcontinued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A 0.00000000 5.20538395 992.56571384 0.99256571 5.20538395 A-IO-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A-IO-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 M1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-2A 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-2F 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R4 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R5 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Not~~Interest ~~applicable~~Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall A 361,900,000.00 1.62000% 361,093,360.29 471,226.84 0.00 0.00 A-IO-1 0.00 3.00000% 49,124,727.00 122,811.82 0.00 0.00 A-IO-2 0.00 3.00000% 200,617,941.00 501,544.85 0.00 0.00 M1 29,700,000.00 1.85000% 29,700,000.00 44,261.25 0.00 0.00 M-2A 10,000,000.00 2.82000% 10,000,000.00 22,716.67 0.00 0.00 M-2F 12,000,000.00 5.68100% 12,000,000.00 56,810.00 0.00 0.00 M3 6,600,000.00 3.37000% 6,600,000.00 17,917.17 0.00 0.00 M4 4,620,000.00 4.37000% 4,620,000.00 16,263.68 0.00 0.00 M5 5,500,000.00 4.37000% 5,500,000.00 19,361.53 0.00 0.00 M6 4,400,000.00 6.25000% 4,400,000.00 22,916.67 0.00 0.00 BIO 0.00 0.00000% 0.01 0.00 0.00 0.00 P 0.00 0.00000% 0.01 0.00 0.00 0.00 R1 0.00 0.00000% 0.00 0.00 0.00 0.00 R2 0.00 0.00000% 0.00 0.00 0.00 0.00 R3 0.00 0.00000% 0.00 0.00 0.00 0.00 R4 0.00 0.00000% 0.00 0.00 0.00 0.00 R5 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 434,720,000.00 1,295,830.48 0.00 0.00

Interest Distribution Statement (rcontinued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance A 0.00 0.00 471,226.84 0.00 359,209,531.84 A-IO-1 0.00 0.00 122,811.82 0.00 45,917,743.00 A-IO-2 0.00 0.00 501,544.85 0.00 206,818,499.00 M1 0.00 0.00 44,261.25 0.00 29,700,000.00 M-2A 0.00 0.00 22,716.67 0.00 10,000,000.00 M-2F 0.00 0.00 56,810.00 0.00 12,000,000.00 M3 0.00 0.00 17,917.17 0.00 6,600,000.00 M4 0.00 0.00 16,263.68 0.00 4,620,000.00 M5 0.00 0.00 19,361.53 0.00 5,500,000.00 M6 0.00 0.00 22,916.67 0.00 4,400,000.00 BIO 0.00 0.00 1,379,753.11 0.00 0.01 P 0.00 0.00 14,973.44 0.00 100.00 R1 0.00 0.00 0.00 0.00 0.00 R2 0.00 0.00 0.00 0.00 0.00 R3 0.00 0.00 0.00 0.00 0.00 R4 0.00 0.00 0.00 0.00 0.00 R5 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 2,690,557.03 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Not~~Interest ~~applicable~~Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall A 361,900,000.00 1.62000% 997.77109779 1.30209130 0.00000000 0.00000000 A-IO-1 0.00 3.00000% 956.97520751 2.39243807 0.00000000 0.00000000 A-IO-2 0.00 3.00000% 554.34634153 1.38586585 0.00000000 0.00000000 M1 29,700,000.00 1.85000% 1000.00000000 1.49027778 0.00000000 0.00000000 M-2A 10,000,000.00 2.82000% 1000.00000000 2.27166700 0.00000000 0.00000000 M-2F 12,000,000.00 5.68100% 1000.00000000 4.73416667 0.00000000 0.00000000 M3 6,600,000.00 3.37000% 1000.00000000 2.71472273 0.00000000 0.00000000 M4 4,620,000.00 4.37000% 1000.00000000 3.52027706 0.00000000 0.00000000 M5 5,500,000.00 4.37000% 1000.00000000 3.52027818 0.00000000 0.00000000 M6 4,400,000.00 6.25000% 1000.00000000 5.20833409 0.00000000 0.00000000 BIO 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R2 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R3 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R4 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R5 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes are per $1,000 denomination

Interest Distribution Factors Statement (scontinued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance A 0.00000000 0.00000000 1.30209130 0.00000000 992.56571384 A-IO-1 0.00000000 0.00000000 2.39243807 0.00000000 894.50149282 A-IO-2 0.00000000 0.00000000 1.38586585 0.00000000 571.47968776 M1 0.00000000 0.00000000 1.49027778 0.00000000 1000.00000000 M-2A 0.00000000 0.00000000 2.27166700 0.00000000 1000.00000000 M-2F 0.00000000 0.00000000 4.73416667 0.00000000 1000.00000000 M3 0.00000000 0.00000000 2.71472273 0.00000000 1000.00000000 M4 0.00000000 0.00000000 3.52027706 0.00000000 1000.00000000 M5 0.00000000 0.00000000 3.52027818 0.00000000 1000.00000000 M6 0.00000000 0.00000000 5.20833409 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R4 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R5 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

~~Exhibits:~~CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 4,688,759.11 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 4,688,759.11 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 114,373.63 Payment of Interest and Principal 4,574,385.48 Total Withdrawals (Pool Distribution Amount) 4,688,759.11 Ending Balance 0.00

~~4.1~~PREPAYMENT/CURTAILMENT ~~Pooling~~INTEREST ~~and~~SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing ~~Agreement~~Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00

~~SIGNATURES~~SERVICING FEES Gross Servicing Fee 109,798.03 Wells Fargo Bank Minnesota, N.A. 2,745.18 Wells Fargo Bank Minnesota, N.A. - Custodian Fee 1,830.42 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 114,373.63

~~Pursuant~~OTHER toACCOUNTS ~~the~~Beginning ~~requirements~~Current ofCurrent ~~the~~Ending ~~Securities~~Account ~~Exchange~~Type ~~Act~~Balance ofWithdrawals ~~1934,~~Deposits ~~the~~Balance ~~registrant~~Reserve ~~has~~Fund ~~duly~~5,000.00 ~~caused~~0.00 ~~this~~0.00 ~~report to be signed on its behalf by the undersigned thereunto duly authorized~~5,000.00

~~RENAISSANCE~~LOAN ~~MORTGAGE~~STATUS ~~ACCEPTANCE~~STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 2 0 0 0 2 143,312.27 0.00 0.00 0.00 143,312.27 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 2 0 0 0 2 143,312.27 0.00 0.00 0.00 143,312.27 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.068097% 0.000000% 0.000000% 0.000000% 0.068097% 0.032771% 0.000000% 0.000000% 0.000000% 0.032771% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.068097% 0.000000% 0.000000% 0.000000% 0.068097% 0.032771% 0.000000% 0.000000% 0.000000% 0.032771%

~~CORP~~Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 1 0 0 0 1 94,373.25 0.00 0.00 0.00 94,373.25 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 1 0 0 0 1 94,373.25 0.00 0.00 0.00 94,373.25 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.041545% 0.000000% 0.000000% 0.000000% 0.041545% 0.026075% 0.000000% 0.000000% 0.000000% 0.026075% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.041545% 0.000000% 0.000000% 0.000000% 0.041545% 0.026075% 0.000000% 0.000000% 0.000000% 0.026075% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 1 0 0 0 1 48,939.02 0.00 0.00 0.00 48,939.02 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 1 0 0 0 1 48,939.02 0.00 0.00 0.00 48,939.02 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.188679% 0.000000% 0.000000% 0.000000% 0.188679% 0.064919% 0.000000% 0.000000% 0.000000% 0.064919% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.188679% 0.000000% 0.000000% 0.000000% 0.188679% 0.064919% 0.000000% 0.000000% 0.000000% 0.064919%

~~By:~~OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 0.00

~~/s/Dawn~~COLLATERAL ~~Ceccarini~~STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 7.618985% Weighted Average Net Coupon 7.318985% Weighted Average Pass-Through Rate 7.306486% Weighted Average Maturity(Stepdown Calculation ) 321 Beginning Scheduled Collateral Loan Count 2,360 Number Of Loans Paid In Full (577) Ending Scheduled Collateral Loan Count 2,937 Beginning Scheduled Collateral Balance 349,193,495.33 Ending Scheduled Collateral Balance 437,309,531.97 Ending Actual Collateral Balance at 31-Oct-2003 437,309,531.97 Monthly P &I Constant 3,339,809.48 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans 437,309,531.97 Scheduled Principal 551,302.97 Unscheduled Principal 1,332,525.48

~~Name:~~Curtailments $54,448.35 P & I Advance $2,419,689.12 Amount on deposit in First Payment Loan Acc $0.00 Amount on deposit in Pre-Funding Account $0.00

~~Dawn~~Miscellaneous ~~Ceccarini~~Reporting Required OC Amount 5,280,000.00 Overcollateralization Amount 5,280,000.00 Subordination Deficiency Amount 0.00 Subordination Reduction 0.00 Subordination Amount 0.00 Excess Overcollateralization 0.00 Three Month Delinquency Rate 0.00 Delinquency Event NO Step Down Date Occurred NO Cumulative Loss Event 0.00 Extra Interest paid as Principal 0.00

~~Title:~~Group Level Collateral Statement Group 1 2 Total Collateral Description Mixed Fixed Mixed ARM Mixed Fixed & Arm Weighted Average Coupon Rate 7.503875 8.173992 7.618985 Weighted Average Net Rate 7.203875 7.873990 7.318985 Weighted Average Maturity 315 354 321 Beginning Loan Count 1,927 433 2,360 Loans Paid In Full (480) (97) (577) Ending Loan Count 2,407 530 2,937 Beginning Scheduled Balance 288,112,223.33 61,081,272.00 349,193,495.33 Ending scheduled Balance 361,924,431.38 75,385,100.59 437,309,531.97 Record Date 10/31/2003 10/31/2003 10/31/2003 Principal And Interest Constant 2,772,925.96 566,883.52 3,339,809.48 Scheduled Principal 498,312.38 52,990.59 551,302.97 Unscheduled Principal 1,327,490.37 5,035.11 1,332,525.48 Scheduled Interest 2,274,613.58 513,892.93 2,788,506.51 Servicing Fees 90,937.53 18,860.75 109,798.28 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 2,273.44 471.50 2,744.94 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 1,515.62 314.39 1,830.01 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 2,179,886.99 494,246.29 2,674,133.28 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 7.191375 7.861492 7.306486

Vice President

Dated: November 6, 2003

EXHIBIT 4.1

Filing Compare · RENAISSANCE MORT ACCEPT CORP HOME EQUITY LN AS BK CE SE 03-3