8-K 1 boa0203_8k0309.txt 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): September 25, 2003 BOA (Depositor) (Issuer in respect of Mortgage Pass-Through Certificates, Series 2002-3) (Exact name of registrant as specified in charter) North Carolina 333-74544-07 03-0414271/Man (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) 101 N. Tryon St., Charlotte, NC 28255 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: 704-387-2111 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events BOA Mortgage Pass-Through Certificates Series 2002-3 On September 25, 2003, The Bank of New York, as Trustee for BOA, Mortgage Pass-Through Certificates Series 2002-3, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of March 1, 2002, among BOA as Depositor, Bank of America Mortgage Securities, Inc., Seller and Master Servicer and The Bank of New York, as Trustee. Item 7. Financial Statements and Exhibits (c) Exhibits Exhibit No. Description 99 Report to Holders of BOA, Mortgage Pass-Through Certificates Series 2002-3 relating to the distribution date of September 25, 2003 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of March 1, 2002. SIGNATURES 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 thereunto duly authorized. Dated: September 25, 2003 BOA By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated September 25, 2003 Payment Date: 09/25/03 ------------------------------------------------------------ Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2002-3 Bank of America, NA, Master Servicer ------------------------------------------------------------

Class Information Current Payment Information ---------------------------------------------------------------------------------------------------------------------------------- Beginning Pass Thru Principal Interest Total Principal Interest Type Class Code Name Cert. Bal. Rate Dist. Amt. Dist. Amt. Dist. Losses Shortfalls ---------------------------------------------------------------------------------------------------------------------------------- Senior 1-A-1 ~~1,388,146~~0.6100 1.~~600000~~610000% ~~1,388,146~~0.6100 ~~1,779~~0.2900 ~~1,389,925~~0.9000 0.00 710.5700 1-A-2 3,~~653~~297,~~000~~923.0044 6.500000% ~~355~~3,~~076~~297,923.5644 1917,~~021~~863.9075 ~~374~~3,~~098~~315,787.4619 0.00 ~~765~~0.1800 1-A-3 3,103,000.00 6.500000% 01,466,295.0046 16,~~157~~807.9492 161,~~157~~483,103.9438 0.00 ~~649~~0.9700 1-A-4 3,210,000.00 6.500000% 0.00 1617,~~715~~387.1150 1617,~~715~~387.1150 0.00 ~~672~~0.3900 1-A-5 2,868,000.00 6.500000% 0.00 1415,~~934~~535.2500 1415,~~934~~535.2500 0.00 ~~600~~0.7500 1-A-6 ~~11,105,173~~0.4400 6.250000% ~~11,105,173~~0.4400 ~~55,602~~0.7500 ~~11,160,776~~0.1900 0.00 ~~2,236~~0.6900 1-A-7 ~~1,388,146~~0.6100 6.~~900000~~890000% 0.00 ~~7,673~~0.1800 ~~7,673~~0.1800 0.00 ~~308~~0.6600 1-A-8 1713,~~017~~388,~~754~~653.0688 6.500000% 35,~~629~~111,~~100~~536.1892 8872,~~614~~521.8688 35,~~717~~184,~~715~~058.0480 0.00 ~~3,564~~0.6500 1-A-9 13,260,000.00 6.500000% 0.00 6971,~~047~~825.4800 6971,~~047~~825.4800 0.00 ~~2,777~~0.5200 1-A-10 24,800,000.00 6.500000% 0.00 ~~129~~134,~~138~~333.5733 ~~129~~134,~~138~~333.5733 0.00 ~~5,194~~0.7600 1-A-11 155,000.00 6.500000% 0.00 ~~807~~839.1258 ~~807~~839.1258 0.00 320.4700 Residual 1-A-R 0.00 6.500000% 0.00 0.07 0.07 0.00 0.00 1-A-LR 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00 2-A-1 4234,~~456~~777,~~553~~126.5231 6.500000% 74,~~679~~516,~~427~~558.2172 ~~228~~188,~~726~~376.3210 74,~~908~~704,~~153~~934.5382 0.00 ~~1,246~~0.6800 3-A-1 3228,~~071~~876,~~192~~198.0850 6.000000% 36,~~194~~781,~~993~~790.5897 ~~160~~138,~~355~~691.9614 36,~~355~~920,~~349~~482.5411 0.00 05,689.0085 1-A-PO 1995,~~143,773~~138.7969 0.000000% ~~148~~42,~~635~~779.1059 0.00 ~~148~~42,~~635~~779.1059 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate 1-B-1 3,~~059~~056,~~224~~295.7430 6.500000% 2,~~929~~955.4434 1516,~~930~~554.0093 1819,~~859~~510.4427 0.00 ~~640~~0.8000 1-B-2 1,~~468~~467,~~979~~573.9731 6.500000% 1,~~406~~419.6610 7,~~649~~949.2736 9,~~055~~368.9345 0.00 ~~307~~0.7000 1-B-3 ~~856~~855,~~740~~920.6727 6.500000% ~~820~~827.3965 4,~~461~~636.2223 5,~~281~~463.6188 0.00 ~~179~~0.4600 1-B-4 ~~489~~488,~~002~~534.7347 6.500000% ~~468~~472.2640 2,~~546~~646.3423 3,~~014~~118.5963 0.00 ~~102~~0.4300 1-B-5 367,~~737~~385.9480 6.500000% ~~352~~355.1425 1,~~914~~990.8901 2,~~267~~345.0226 0.00 770.0300 1-B-6 489,~~668~~200.9507 6.500000% ~~468~~473.8804 2,~~549~~649.8083 3,~~018~~122.6887 0.00 ~~102~~0.5700 2-B-1 1,~~422~~421,~~465~~080.2193 6.500000% 1,~~384~~399.2816 7,~~663~~697.2552 9,~~047~~096.5468 0.00 410.7700 2-B-2 1,~~196~~195,~~724~~559.0342 6.500000% 1,~~164~~177.6012 6,~~447~~475.1295 7,~~611~~653.7206 0.00 350.1400 2-B-3 ~~674~~673,~~266~~610.2609 6.500000% ~~656~~663.1722 3,~~632~~648.4872 4,~~288~~311.6494 0.00 190.8000 2-B-4 298,~~688~~397.1245 6.500000% ~~290~~293.6779 1,~~609~~616.1232 1,~~899~~910.7911 0.00 80.7700 2-B-5 224,~~755~~536.4270 6.500000% ~~218~~221.7207 1,~~210~~216.8324 1,~~429~~437.5531 0.00 60.6000 2-B-6 ~~300~~299,~~109~~817.1914 6.500000% ~~292~~295.0518 1,~~616~~624.7801 1,~~908~~919.8319 0.00 80.8100 3-B-1 ~~728~~725,~~476~~671.8315 6.000000% 2,~~805~~825.6794 3,~~642~~485.3837 6,~~448~~311.0630 0.00 0142.0099 3-B-2 ~~259~~258,832.8512 6.000000% 1,~~000~~007.7395 1,~~299~~243.16 2,~~299~~251.8911 0.00 051.00 3-B-3 156,~~844~~240.5648 6.000000% ~~604~~608.0844 ~~784~~750.2242 1,~~388~~358.3085 0.00 030.0079 3-B-4 103,~~933~~532.1485 6.000000% ~~400~~403.2918 ~~519~~497.6726 ~~919~~900.9645 0.00 020.0040 3-B-5 103,~~933~~532.1485 6.000000% ~~400~~403.2918 ~~519~~497.6726 ~~919~~900.9645 0.00 020.0040 3-B-6 104,~~512~~109.5098 6.000000% ~~402~~405.5243 ~~522~~500.5604 ~~925~~905.0846 0.00 020.0051 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~168~~141,~~537~~020,~~489~~871.7320 - 2721,~~516~~233,~~618~~091.53 ~~873~~739,~~093~~860.5613 2821,~~389~~972,~~712~~951.0966 - 195,~~652~~975.1894 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1-A-1 0.00 710.5700 1-A-2 ~~3,297,923~~0.4400 ~~765~~0.1800 1-A-3 31,~~103~~636,~~000~~704.0054 ~~649~~0.9700 1-A-4 3,210,000.00 ~~672~~0.3900 1-A-5 2,868,000.00 ~~600~~0.7500 1-A-6 0.00 ~~2,236~~0.6900 1-A-7 0.00 ~~308~~0.6600 1-A-8 138,~~388~~277,~~653~~116.8896 ~~3,564~~0.6500 1-A-9 13,260,000.00 ~~2,777~~0.5200 1-A-10 24,800,000.00 ~~5,194~~0.7600 1-A-11 155,000.00 320.4700 Residual 1-A-R 0.00 0.00 1-A-LR 0.00 0.00 2-A-1 3430,~~777~~260,~~126~~567.3159 ~~1,246~~0.6800 3-A-1 2822,~~876~~094,~~198~~407.5053 05,689.0085 1-A-PO ~~995~~952,~~138~~359.6910 0.00 -------------------------------------------------------------------------------- Subordinate 1-B-1 3,~~056~~053,~~295~~339.3096 ~~640~~0.8000 1-B-2 1,~~467~~466,~~573~~154.3122 ~~307~~0.7000 1-B-3 855,~~920~~092.2763 ~~179~~0.4600 1-B-4 488,~~534~~062.4708 ~~102~~0.4300 1-B-5 367,~~385~~030.8055 770.0300 1-B-6 ~~489~~488,~~200~~727.0703 ~~102~~0.5700 2-B-1 1,~~421~~419,~~080~~681.9377 410.7700 2-B-2 1,~~195~~194,~~559~~382.4231 350.1400 2-B-3 ~~673~~672,~~610~~946.0987 190.8000 2-B-4 298,~~397~~103.4566 80.7700 2-B-5 224,~~536~~315.7062 60.6000 2-B-6 299,~~817~~521.1495 80.8100 3-B-1 ~~725~~722,~~671~~845.1522 0142.0099 3-B-2 ~~258~~257,~~832~~824.1217 051.00 3-B-3 ~~156~~155,~~240~~632.4804 030.0079 3-B-4 103,~~532~~129.8567 020.0040 3-B-5 103,~~532~~129.8567 020.0040 3-B-6 ~~104~~103,~~109~~704.9855 020.0051 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~141~~119,~~020~~787,~~871~~779.2067 195,~~652~~975.1894 --------------------------------------------------------------------------------

Payment Date: 09/25/03 ------------------------------------------------------------ Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2002-3 Bank of America, NA, Master Servicer ------------------------------------------------------------

Class Information Current Payment Information Factors per $1,000 ------------------------------------------------------------------------------------------------------------------------ Beginning Pass Thru CUSIP Principal Interest Ending Cert./ Type Class Code Name Cert. Bal.(Face) Rate Numbers Dist. Dist. Notional Bal. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Senior 1-A-1 ~~1,388,146~~0.6100 1.~~600000~~610000% 06050HEE4 890.~~652322~~000000 0.~~114914~~000000 0.000000 1-A-2 3,~~653~~297,~~000~~923.0044 6.500000% 06050HEF1 97902.~~201357~~798643 54.~~207200~~890159 ~~902~~0.~~798643~~000000 1-A-3 3,103,000.00 6.500000% 06050HEG9 0472.~~000000~~541238 5.~~207200~~416667 ~~1,000~~527.~~000000~~458762 1-A-4 3,210,000.00 6.500000% 06050HEH7 0.000000 5.~~207200~~416667 1,000.000000 1-A-5 2,868,000.00 6.500000% 06050HEJ3 0.000000 5.~~207200~~416667 1,000.000000 1-A-6 ~~11,105,173~~0.4400 6.250000% 06050HEK0 890.~~652322~~000000 0.~~448882~~000000 0.000000 1-A-7 ~~1,388,146~~0.6100 6.~~900000~~890000% 06050HEL8 0.000000 0.~~495566~~000000 0.000000 1-A-8 1713,~~017~~388,~~754~~653.0688 6.500000% 06050HEM6 72102.~~582004~~230738 1.~~772297~~450438 ~~267~~165.~~773078~~542339 1-A-9 13,260,000.00 6.500000% 06050HEN4 0.000000 5.~~207200~~416667 1,000.000000 1-A-10 24,800,000.00 6.500000% 06050HEP9 0.000000 5.~~207200~~416667 1,000.000000 1-A-11 155,000.00 6.500000% 06050HFS2 0.000000 5.~~207200~~416667 1,000.000000 Residual 1-A-R 0.00 6.500000% 06050HEQ7 0.000000 1.~~480837~~402477 0.000000 1-A-LR 0.00 6.500000% 06050HER5 0.000000 0.000000 0.000000 2-A-1 4234,~~456~~777,~~553~~126.5231 6.500000% 06050HES3 5230.~~173921~~685437 1.~~553963~~279825 ~~236~~205.~~275308~~589871 3-A-1 3228,~~071~~876,~~192~~198.0850 6.000000% 06050HET1 2962.~~412518~~431909 1.~~476207~~276765 ~~265~~203.~~828924~~397015 1-A-PO 1995,~~143,773~~138.7969 0.000000% 06050HEU8 9627.~~163447~~677396 0.000000 ~~643~~616.~~831543~~154147 ------------------------------------------------------------------------------------------------------------------------ Subordinate 1-B-1 3,~~059~~056,~~224~~295.7430 6.500000% 06050HEV6 0.~~944067~~952413 5.~~133740~~335138 ~~984~~983.~~948533~~996120 1-B-2 1,~~468~~467,~~979~~573.9731 6.500000% 06050HEW4 0.~~944067~~952413 5.~~133740~~335138 ~~984~~983.~~948533~~996120 1-B-3 ~~856~~855,~~740~~920.6727 6.500000% 06050HEX2 0.~~944067~~952413 5.~~133740~~335138 ~~984~~983.~~948533~~996120 1-B-4 ~~489~~488,~~002~~534.7347 6.500000% 06050HFH6 0.~~944067~~952413 5.~~133740~~335138 ~~984~~983.~~948533~~996120 1-B-5 367,~~737~~385.9480 6.500000% 06050HFJ2 0.~~944067~~952413 5.~~133740~~335138 ~~984~~983.~~948533~~996120 1-B-6 489,~~668~~200.9507 6.500000% 06050HFK9 0.~~944036~~952414 5.~~133745~~335143 ~~984~~983.~~949486~~997073 2-B-1 1,~~422~~421,~~465~~080.2193 6.500000% 06050HEY0 0.~~959310~~969619 5.~~310638~~334388 ~~984~~983.~~810069~~840450 2-B-2 1,~~196~~195,~~724~~559.0342 6.500000% 06050HEZ7 0.~~959310~~969619 5.~~310638~~334388 ~~984~~983.~~810069~~840450 2-B-3 ~~674~~673,~~266~~610.2609 6.500000% 06050HFA1 0.~~959310~~969619 5.~~310638~~334388 ~~984~~983.~~810069~~840450 2-B-4 298,~~688~~397.1245 6.500000% 06050HFL7 0.~~959310~~969619 5.~~310638~~334388 ~~984~~983.~~810069~~840450 2-B-5 224,~~755~~536.4270 6.500000% 06050HFM5 0.~~959310~~969619 5.~~310638~~334388 ~~984~~983.~~810069~~840450 2-B-6 ~~300~~299,~~109~~817.1914 6.500000% 06050HFN3 0.~~959310~~969588 5.~~310640~~334390 ~~984~~983.~~810401~~840813 3-B-1 ~~728~~725,~~476~~671.8315 6.000000% 06050HFB9 3.~~639007~~665286 4.~~724234~~520580 ~~941~~937.~~207719~~542433 3-B-2 ~~259~~258,832.8512 6.000000% 06050HFC7 3.~~639007~~665286 4.~~724234~~520580 ~~941~~937.~~207719~~542433 3-B-3 156,~~844~~240.5648 6.000000% 06050HFD5 3.~~639007~~665286 4.~~724234~~520580 ~~941~~937.~~207719~~542433 3-B-4 103,~~933~~532.1485 6.000000% 06050HFP8 3.~~639007~~665286 4.~~724234~~520580 ~~941~~937.~~207719~~542433 3-B-5 103,~~933~~532.1485 6.000000% 06050HFQ6 3.~~639007~~665286 4.~~724234~~520580 ~~941~~937.~~207719~~542433 3-B-6 104,~~512~~109.5098 6.000000% 06050HFR4 3.~~639011~~665291 4.~~724239~~520586 ~~941~~937.~~208876~~543585 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~168~~141,~~537~~020,~~489~~871.7320 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2002-3 Bank of America, NA, Master Servicer ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 61,576,765.55 34,656,649.09 23,554,364.31 Loan count 137 81 56 Avg loan rate 6.907262% 6.899169% 6.693370% Prepay amount 9,839,221.18 4,498,583.83 6,669,340.22 Total ----- Prin balance 119,787,778.95 Loan count 274 Avg loan rate 6.86 Prepay amount 21,007,145.23 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 14,323.20 7,546.88 5,227.50 Sub servicer fees 0.00 0.00 0.00 Trustee fees 178.71 97.98 75.85 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 Total ----- Master serv fees 27,097.57 Sub servicer fees 0.00 Trustee fees 352.55 Agg advances N/A Adv this period 0.00 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 Cumulative losses 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 0.00 0.00 0.00 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 0.00 Special Hazard 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 91.295590% 100.000000% 128,731,040.81 ----------------------------------------------------------------------------- Junior 8.704410% 0.000000% 12,273,623.95 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 2 1,002,333.87 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 2 1,002,333.87 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 0.00 Current Total Outstanding Number of Loans: 0 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 21,972,951.66 21,972,951.66 Principal remittance amount 21,233,091.53 21,233,091.53 Interest remittance amount 739,860.13 739,860.13

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