8-K 1 sam02ar4_oct.txt OCT. 8-K 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): October 19, 2004 STRUCTURED ASSET MORTGAGE INVESTMENTS INC. Mortgage Pass-Through Certificates, Series 2002-AR4 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-68542-14 80-0066646 Pooling and Servicing Agreement) (Commission 80-0066647 (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank, 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) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events On October 19, 2004 a distribution was made to holders of STRUCTURED ASSET MORTGAGE INVESTMENTS INC., Mortgage Pass-Through Certificates, Series 2002-AR4 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2002-AR4 Trust, relating to the October 19, 2004 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. STRUCTURED ASSET MORTGAGE INVESTMENTS INC. Mortgage Pass-Through Certificates, Series 2002-AR4 Trust (Registrant) By: Wells Fargo Bank, N.A. as Master Servicer By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 10/19/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2002-AR4 Trust, relating to the October 19, 2004 distribution. EX-99.1

Structured Asset Mortgage Investments Inc. Mortgage Pass-Through Certificates, ~~Series 2002-AR4 Trust.~~ Record Date: 89/3130/~~2004~~04 Distribution Date: 910/2019/~~2004~~04 SAM Series: 2002-AR4 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution A-1 86358HQR3 SEN 2.~~02000~~23125% ~~359~~351,~~446~~587,~~275~~610.1068 ~~605~~653,~~067~~733.9022 78,~~858~~064,~~664~~298.4254 A-2 86358HQT9 SEN 2.~~15000~~36125% 22,249,999.93 3943,~~864~~781.5851 0.00 R-I 86358HQU6 RES 3.~~46700~~46688% 0.00 0.00 0.00 R-II 86358HQV4 RES 3.~~46700~~46688% 0.00 0.00 0.00 X 86358HQS1 SEN 0.~~97749~~98359% 0.00 ~~322~~318,~~933~~510.9866 0.00 B-1 86358HQW2 SUB 2.~~45000~~66125% 6,999,999.98 1415,~~291~~523.6796 0.00 B-2 86358HQX0 SUB 2.~~60000~~81125% 4,749,999.99 1011,~~291~~127.6786 0.00 B-3 86358HQY8 SUB 2.~~60000~~81125% 2,999,999.99 67,~~500~~028.0013 0.00 B-4 86358HQZ5 SUB 3.~~02371~~24160% 1,749,999.99 4,~~409~~727.5834 0.00 B-5 86358HRB7 SUB 3.~~02371~~24160% 1,000,000.00 2,~~519~~701.7634 0.00 B-6 86358HRD3 SUB 3.~~02371~~24160% 2,749,999.99 67,~~929~~428.3467 0.00 Totals ~~401~~394,~~946~~087,~~274~~610.9755 1,~~012~~064,~~808~~562.4869 78,~~858~~064,~~664~~298.4254

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1 0.00 ~~351~~343,~~587~~523,~~610~~312.6814 8,~~463~~718,~~732~~031.3276 0.00 A-2 0.00 22,249,999.93 3943,~~864~~781.5851 0.00 R-I 0.00 0.00 0.00 0.00 R-II 0.00 0.00 0.00 0.00 X 0.00 0.00 ~~322~~318,~~933~~510.9866 0.00 B-1 0.00 6,999,999.98 1415,~~291~~523.6796 0.00 B-2 0.00 4,749,999.99 1011,~~291~~127.6786 0.00 B-3 0.00 2,999,999.99 67,~~500~~028.0013 0.00 B-4 0.00 1,749,999.99 4,~~409~~727.5834 0.00 B-5 0.00 1,000,000.00 2,~~519~~701.7634 0.00 B-6 0.00 2,749,999.99 67,~~929~~428.3467 0.00 Totals 0.00 ~~394~~386,~~087~~023,~~610~~312.5501 89,~~871~~128,~~472~~861.9023 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) A-1 457,500,000.00 ~~359~~351,~~446~~587,~~275~~610.1068 0.00 78,~~858~~064,~~664~~298.4254 0.00 0.00 A-2 22,250,000.00 22,249,999.93 0.00 0.00 0.00 0.00 R-I 50.00 0.00 0.00 0.00 0.00 0.00 R-II 50.00 0.00 0.00 0.00 0.00 0.00 X 0.00 0.00 0.00 0.00 0.00 0.00 B-1 7,000,000.00 6,999,999.98 0.00 0.00 0.00 0.00 B-2 4,750,000.00 4,749,999.99 0.00 0.00 0.00 0.00 B-3 3,000,000.00 2,999,999.99 0.00 0.00 0.00 0.00 B-4 1,750,000.00 1,749,999.99 0.00 0.00 0.00 0.00 B-5 1,000,000.00 1,000,000.00 0.00 0.00 0.00 0.00 B-6 2,750,000.00 2,749,999.99 0.00 0.00 0.00 0.00 Totals 500,000,100.00 ~~401~~394,~~946~~087,~~274~~610.9755 0.00 78,~~858~~064,~~664~~298.4254 0.00 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution A-1 78,~~858~~064,~~664~~298.4254 ~~351~~343,~~587~~523,~~610~~312.6814 0.~~76849751~~75087063 78,~~858~~064,~~664~~298.4254 A-2 0.00 22,249,999.93 1.00000000 0.00 R-I 0.00 0.00 0.00000000 0.00 R-II 0.00 0.00 0.00000000 0.00 X 0.00 0.00 0.00000000 0.00 B-1 0.00 6,999,999.98 1.00000000 0.00 B-2 0.00 4,749,999.99 1.00000000 0.00 B-3 0.00 2,999,999.99 1.00000000 0.00 B-4 0.00 1,749,999.99 0.99999999 0.00 B-5 0.00 1,000,000.00 1.00000000 0.00 B-6 0.00 2,749,999.99 1.00000000 0.00 Totals 78,~~858~~064,~~664~~298.4254 ~~394~~386,~~087~~023,~~610~~312.5501 0.~~78817506~~77204647 78,~~858~~064,~~664~~298.4254

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1 457,500,000.00 ~~785~~768.~~67491825~~49750968 0.00000000 17.~~17740857~~62688205 0.00000000 A-2 22,250,000.00 999.99999685 0.00000000 0.00000000 0.00000000 R-I 50.00 0.00000000 0.00000000 0.00000000 0.00000000 R-II 50.00 0.00000000 0.00000000 0.00000000 0.00000000 X 0.00 0.00000000 0.00000000 0.00000000 0.00000000 B-1 7,000,000.00 999.99999714 0.00000000 0.00000000 0.00000000 B-2 4,750,000.00 999.99999789 0.00000000 0.00000000 0.00000000 B-3 3,000,000.00 999.99999667 0.00000000 0.00000000 0.00000000 B-4 1,750,000.00 999.99999429 0.00000000 0.00000000 0.00000000 B-5 1,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B-6 2,750,000.00 999.99999636 0.00000000 0.00000000 0.00000000 (2) All classes are per $1,000 denomination.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A-1 0.00000000 17.~~17740857~~62688205 ~~768~~750.~~49750968~~87062763 0.~~76849751~~75087063 17.~~17740857~~62688205 A-2 0.00000000 0.00000000 999.99999685 1.00000000 0.00000000 R-I 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 0.00000000 999.99999714 1.00000000 0.00000000 B-2 0.00000000 0.00000000 999.99999789 1.00000000 0.00000000 B-3 0.00000000 0.00000000 999.99999667 1.00000000 0.00000000 B-4 0.00000000 0.00000000 999.99999429 0.99999999 0.00000000 B-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B-6 0.00000000 0.00000000 999.99999636 1.00000000 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.

Interest 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-1 457,500,000.00 2.~~02000~~23125% ~~359~~351,~~446~~587,~~275~~610.1068 ~~605~~653,~~067~~733.9021 0.00 0.00 A-2 22,250,000.00 2.~~15000~~36125% 22,249,999.93 3943,~~864~~781.5851 0.00 0.00 R-I 50.00 3.~~46700~~46688% 0.00 0.00 0.00 0.00 R-II 50.00 3.~~46700~~46688% 0.00 0.00 0.00 0.00 X 0.00 0.~~97749~~98359% ~~396~~388,~~446~~587,~~274~~610.9957 ~~322~~318,~~933~~510.9866 0.00 0.00 B-1 7,000,000.00 2.~~45000~~66125% 6,999,999.98 1415,~~291~~523.6796 0.00 0.00 B-2 4,750,000.00 2.~~60000~~81125% 4,749,999.99 1011,~~291~~127.6786 0.00 0.00 B-3 3,000,000.00 2.~~60000~~81125% 2,999,999.99 67,~~500~~028.0012 0.00 0.00 B-4 1,750,000.00 3.~~02371~~24160% 1,749,999.99 4,~~409~~727.5834 0.00 0.00 B-5 1,000,000.00 3.~~02371~~24160% 1,000,000.00 2,~~519~~701.7634 0.00 0.00 B-6 2,750,000.00 3.~~02371~~24160% 2,749,999.99 67,~~929~~428.3467 0.00 0.00 Totals 500,000,100.00 1,~~012~~064,~~808~~562.4867 0.00 0.00

Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance A-1 (0.01) 0.00 ~~605~~653,~~067~~733.9022 0.00 ~~351~~343,~~587~~523,~~610~~312.6814 A-2 0.00 0.00 3943,~~864~~781.5851 0.00 22,249,999.93 R-I 0.00 0.00 0.00 0.00 0.00 R-II 0.00 0.00 0.00 0.00 0.00 X 0.00 0.00 ~~322~~318,~~933~~510.9866 0.01 ~~388~~380,~~587~~523,~~610~~312.5703 B-1 0.00 0.00 1415,~~291~~523.6796 0.00 6,999,999.98 B-2 0.00 0.00 1011,~~291~~127.6786 0.00 4,749,999.99 B-3 0.00 0.00 67,~~500~~028.0013 0.00 2,999,999.99 B-4 0.00 0.00 4,~~409~~727.5834 0.00 1,749,999.99 B-5 0.00 0.00 2,~~519~~701.7634 0.00 1,000,000.00 B-6 0.00 0.00 67,~~929~~428.3467 0.00 2,749,999.99 Totals (0.01) 0.00 1,~~012~~064,~~808~~562.4869 0.01 (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.

Interest 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-1 457,500,000.00 2.~~02000~~23125% ~~785~~768.~~67491825~~49750968 1.~~32255279~~42892505 0.00000000 0.00000000 A-2 22,250,000.00 2.~~15000~~36125% 999.99999685 1.~~79166652~~96770831 0.00000000 0.00000000 R-I 50.00 3.~~46700~~46688% 0.00000000 0.00000000 0.00000000 0.00000000 R-II 50.00 3.~~46700~~46688% 0.00000000 0.00000000 0.00000000 0.00000000 X 0.00 0.~~97749~~98359% ~~801~~785.~~71137511~~81923270 0.~~65305153~~64410649 0.00000000 0.00000000 B-1 7,000,000.00 2.~~45000~~66125% 999.99999714 2.~~04166714~~21770857 0.00000000 0.00000000 B-2 4,750,000.00 2.~~60000~~81125% 999.99999789 2.~~16666737~~34270737 0.00000000 0.00000000 B-3 3,000,000.00 2.~~60000~~81125% 999.99999667 2.~~16666667~~34270667 0.00000000 0.00000000 B-4 1,750,000.00 3.~~02371~~24160% 999.99999429 2.~~51976000~~70133714 0.00000000 0.00000000 B-5 1,000,000.00 3.~~02371~~24160% 1000.00000000 2.~~51976000~~70134000 0.00000000 0.00000000 B-6 2,750,000.00 3.~~02371~~24160% 999.99999636 2.~~51976000~~70133455 0.00000000 0.00000000 (5) All classes are per $1,000 denomination.

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance A-1 (0.00000002) 0.00000000 1.~~32255279~~42892507 0.00000000 ~~768~~750.~~49750968~~87062763 A-2 0.00000000 0.00000000 1.~~79166652~~96770831 0.00000000 999.99999685 R-I 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X 0.00000000 0.00000000 0.~~65305153~~64410649 0.00000002 ~~785~~769.~~81923270~~51124779 B-1 0.00000000 0.00000000 2.~~04166714~~21770857 0.00000000 999.99999714 B-2 0.00000000 0.00000000 2.~~16666737~~34270737 0.00000000 999.99999789 B-3 0.00000000 0.00000000 2.~~16666667~~34271000 0.00000000 999.99999667 B-4 0.00000000 0.00000000 2.~~51976000~~70133714 0.00000000 999.99999429 B-5 0.00000000 0.00000000 2.~~51976000~~70134000 0.00000000 1000.00000000 B-6 0.00000000 0.00000000 2.~~51976000~~70133455 0.00000000 999.99999636 (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.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 89,~~994~~248,~~517~~502.8359 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 1417,~~172~~683.4041 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 9,~~008~~266,~~690~~186.2300 Withdrawals Reimbursement for Servicer Advances 1114,~~609~~172.1340 Payment of Service Fee ~~125~~123,~~608~~152.2037 Payment of Interest and Principal 89,~~871~~128,~~472~~861.9023 Total Withdrawals (Pool Distribution Amount) 9,~~008~~266,~~690~~186.2300 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 16,~~747~~420.7631 Additional Servicing Fee ~~108~~106,~~860~~732.4406 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~125~~123,~~608~~152.2037

LOAN STATUS 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 1418 0 0 0 1418 3,~~283~~882,~~137~~604.8884 0.00 0.00 0.00 3,~~283~~882,~~137~~604.8884 60 Days 23 0 0 0 23 ~~420~~537,~~000~~007.0022 0.00 0.00 0.00 ~~420~~537,~~000~~007.0022 90 Days 1 0 0 0 1 ~~158~~303,~~057~~000.2200 0.00 0.00 0.00 ~~158~~303,~~057~~000.2200 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 21 2 0 43 0.00 ~~975~~400,~~904~~000.00 ~~257~~715,~~972~~784.1400 0.00 1,~~233~~115,~~876~~784.1400 Totals 1722 21 2 0 2125 34,~~861~~722,~~195~~612.1006 ~~975~~400,~~904~~000.00 ~~257~~715,~~972~~784.1400 0.00 5,~~095~~838,~~071~~396.2406 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 01.~~982456~~289398% 0.000000% 0.000000% 0.000000% 01.~~982456~~289398% 01.~~833099~~005796% 0.000000% 0.000000% 0.000000% 01.~~833099~~005796% 60 Days 0.~~140351~~214900% 0.000000% 0.000000% 0.000000% 0.~~140351~~214900% 0.~~106575~~139113% 0.000000% 0.000000% 0.000000% 0.~~106575~~139113% 90 Days 0.~~070175~~071633% 0.000000% 0.000000% 0.000000% 0.~~070175~~071633% 0.~~040107~~078493% 0.000000% 0.000000% 0.000000% 0.~~040107~~078493% 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.~~140351~~071633% 0.~~140351~~143266% 0.000000% 0.~~280702~~214900% 0.000000% 0.~~247636~~103621% 0.~~065461~~185425% 0.000000% 0.~~313097~~289046% Totals 1.~~192982~~575931% 0.~~140351~~071633% 0.~~140351~~143266% 0.000000% 1.~~473684~~790831% 01.~~979781~~223401% 0.~~247636~~103621% 0.~~065461~~185425% 0.000000% 1.~~292878~~512447%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 1417,~~172~~683.4041

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 3.~~398713~~616602% Weighted Average Net Coupon 3.~~348713~~566602% Weighted Average Pass-Through Rate 3.~~023713~~241602% Weighted Average Maturity(Stepdown Calculation ) ~~338~~337 Beginning Scheduled Collateral Loan Count 1,~~451~~425 Number Of Loans Paid In Full 2629 Ending Scheduled Collateral Loan Count 1,~~425~~396 Beginning Scheduled Collateral Balance ~~401~~394,~~946~~087,~~274~~610.9755 Ending Scheduled Collateral Balance ~~394~~386,~~087~~023,~~610~~312.5501 Ending Actual Collateral Balance at 3130-~~Aug~~Sep-2004 ~~394~~386,~~087~~023,~~495~~186.3304 Monthly P &I Constant 1,~~138~~187,~~416~~715.6905 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 ~~394~~386,~~087~~023,~~610~~312.5501 Scheduled Principal 0.00 Unscheduled Principal 78,~~858~~064,~~664~~298.4254

Miscellaneous Reporting Average Loss Severity for Prior Month 0.00 Senior Percentage 89.~~426448~~215596% Senior Prepayment Percentage 100.000000% Subordinate Percentage 10.~~573552~~784404% Subordinate Prepayment Percentage 0.000000%

Filing Compare · STRUCTURED ASSET MORT INV INC MORT PASS THR CRT SR 2002-AR4