8-K 1 fh0207_8k0311.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): November 25, 2003 FH (Depositor) (Issuer in respect of First Horizon Mortgage Pass-Through Trust, Mortgage (Exact name of registrant as specified in charter) Texas 333-73524-03 03-0495199 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) 4000 Horizon Way, Irving, TX 75063 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (214) 441-4000 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events FH First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2002-7 On November 25, 2003, The Bank of New York, as Trustee for FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2002-7, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of October 1, 2002, among FH as Depositor, , 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 FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2002-7 relating to the distribution date of November 25, 2003 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of October 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: November 25, 2003 FH By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated November 25, 2003 Payment Date: 11/25/03 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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 I-A-1 45,000,000.00 5.750000% 0.00 215,625.00 215,625.00 0.00 0.00 I-A-2 5447,~~703~~582,~~786~~110.3781 5.000000% 74,~~121~~568,~~675~~830.5652 ~~227~~198,~~932~~258.4480 74,~~349~~767,~~608~~089.0032 0.00 0.00 I-A-3 1412,~~919~~976,~~214~~939.4025 1.520000% 1,~~942~~246,~~275~~044.1468 1816,~~897~~437.6746 1,~~961~~262,~~172~~482.8214 0.00 0.00 I-A-4 1412,~~919~~976,~~214~~939.4025 6.980000% 0.00 8675,~~780~~482.1053 8675,~~780~~482.1053 0.00 0.00 I-A-5 22,116,000.00 5.750000% 0.00 105,972.50 105,972.50 0.00 0.00 I-A-6 0.00 5.750000% 0.00 0.00 0.00 0.00 0.00 I-A-7 0.00 2.570000% 0.00 0.00 0.00 0.00 0.00 I-A-8 0.00 16.198571% 0.00 0.00 0.00 0.00 0.00 II-A-1 1311,~~322~~183,~~206~~484.5828 5.250000% 21,~~138~~372,~~722~~022.3038 5848,~~284~~927.6574 21,~~197~~420,~~006~~950.9612 0.00 0.00 II-A-2 17,737,000.00 5.250000% 0.00 77,599.38 77,599.38 0.00 0.00 Residual II-A-RU 0.00 5.250000% 0.00 0.01 0.01 0.00 0.00 II-A-RL 0.00 5.250000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B-1 6,~~760~~750,~~178~~458.8650 5.~~660693~~660895% 9,~~720~~981.3660 31,~~889~~844.4170 41,~~609~~826.7730 0.00 0.00 B-2 2,~~704~~700,~~465~~577.7807 5.~~660693~~660895% 3,~~888~~993.7122 12,~~757~~739.6274 16,~~646~~732.3396 0.00 0.00 B-3 1,~~622~~619,~~285~~952.2357 5.~~660693~~660895% 2,~~332~~395.6635 7,~~652~~641.7299 910,~~985~~037.3734 0.00 0.00 B-4 ~~811~~809,~~142~~976.6229 5.~~660693~~660895% 1,~~166~~197.3368 3,~~826~~820.3699 45,~~992~~018.6967 0.00 0.00 B-5 ~~811~~809,~~142~~976.6229 5.~~660693~~660895% 1,~~166~~197.3368 3,~~826~~820.3699 45,~~992~~018.6967 0.00 0.00 B-6 ~~811~~810,~~542~~376.9909 5.~~660693~~660895% 1,~~166~~198.9127 3,~~828~~822.2588 45,~~995~~021.15 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~250~~230,~~941~~655,~~966~~901.2120 - 117,~~222~~206,~~114~~861.3039 ~~854~~801,~~872~~994.4770 128,~~076~~008,~~986~~856.7708 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior I-A-1 45,000,000.00 0.00 I-A-2 4743,~~582~~013,~~110~~280.8128 0.00 I-A-3 1211,~~976~~730,~~939~~894.2557 0.00 I-A-4 1211,~~976~~730,~~939~~894.2557 0.00 I-A-5 22,116,000.00 0.00 I-A-6 0.00 0.00 I-A-7 0.00 0.00 I-A-8 0.00 0.00 II-A-1 119,~~183~~811,~~484~~461.2890 0.00 II-A-2 17,737,000.00 0.00 Residual II-A-RU 0.00 0.00 II-A-RL 0.00 0.00 -------------------------------------------------------------------------------- Subordinate B-1 6,~~750~~740,~~458~~476.5090 0.00 B-2 2,~~700~~696,~~577~~583.0785 0.00 B-3 1,~~619~~617,~~952~~557.5722 0.00 B-4 ~~809~~808,~~976~~778.2961 0.00 B-5 ~~809~~808,~~976~~778.2961 0.00 B-6 ~~810~~809,~~376~~177.0982 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~230~~217,~~655~~634,~~901~~164.2061 - --------------------------------------------------------------------------------

Payment Date: 11/25/03 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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 I-A-1 45,000,000.00 5.750000% 32051DQF2 0.000000 4.791667 1,000.000000 I-A-2 5447,~~703~~582,~~786~~110.3781 5.000000% 32051DQG0 4831.~~535211~~137217 1.~~553391~~351161 ~~324~~293.~~278715~~141499 I-A-3 1412,~~919~~976,~~214~~939.4025 1.520000% 32051DQH8 4831.~~535211~~137217 0.~~472231~~410753 ~~324~~293.~~278715~~141499 I-A-4 1412,~~919~~976,~~214~~939.4025 6.980000% 32051DQJ4 0.000000 21.~~168534~~886221 ~~324~~293.~~278715~~141499 I-A-5 22,116,000.00 5.750000% 32051DQK1 0.000000 4.791667 1,000.000000 I-A-6 0.00 5.750000% 32051DQL9 0.000000 0.000000 0.000000 I-A-7 0.00 2.570000% 32051DQM7 0.000000 0.000000 0.000000 I-A-8 0.00 16.198571% 32051DQN5 0.000000 0.000000 0.000000 II-A-1 1311,~~322~~183,~~206~~484.5828 5.250000% 32051DQP0 2617.~~734029~~150280 0.~~728558~~611597 ~~139~~122.~~793553~~643274 II-A-2 17,737,000.00 5.250000% 32051DQQ8 0.000000 4.375000 1,000.000000 Residual II-A-RU 0.00 5.250000% 32051DQR6 0.000000 0.~~273204~~256087 0.000000 II-A-RL 0.00 5.250000% 32051DQS4 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate B-1 6,~~760~~750,~~178~~458.8650 5.~~660693~~660895% 32051DQT2 1.~~417168~~455256 4.~~649280~~642761 ~~984~~982.~~175318~~720061 B-2 2,~~704~~700,~~465~~577.7807 5.~~660693~~660895% 32051DQU9 1.~~417168~~455256 4.~~649280~~642761 ~~984~~982.~~175318~~720061 B-3 1,~~622~~619,~~285~~952.2357 5.~~660693~~660895% 32051DQV7 1.~~417168~~455256 4.~~649280~~642761 ~~984~~982.~~175318~~720061 B-4 ~~811~~809,~~142~~976.6229 5.~~660693~~660895% 32051DQW5 1.~~417168~~455256 4.~~649280~~642761 ~~984~~982.~~175318~~720061 B-5 ~~811~~809,~~142~~976.6229 5.~~660693~~660895% 32051DQX3 1.~~417168~~455256 4.~~649280~~642761 ~~984~~982.~~175318~~720061 B-6 ~~811~~810,~~542~~376.9909 5.~~660693~~660895% 32051DQY1 1.~~417169~~455256 4.~~649280~~642761 ~~984~~982.~~175350~~720094 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~250~~230,~~941~~655,~~966~~901.2120 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 132,944,684.16 29,945,305.55 162,889,989.71 Loan count 309 69 378 Avg loan rate 6.531511% 6.065858% 6.45 Prepay amount 5,691,164.92 1,261,282.31 6,952,447.23 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 23,329.41 6,130.71 29,460.12 Sub servicer fees 61,464.97 14,771.98 76,236.95 Trustee fees 462.57 104.42 566.99 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 0.00 Fraud 0.00 0.00 0.00 Special Hazard 0.00 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.154704% 100.000000% 217,154,584.40 ----------------------------------------------------------------------------- Junior 5.845296% 0.000000% 13,481,353.01 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 4 1,609,705.35 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 4 1,609,705.35 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 8,008,856.08 8,008,856.08 Principal remittance amount 7,206,861.39 7,206,861.39 Interest remittance amount 801,994.70 801,994.70

Filing Compare · FIRST HORIZON ASSET SEC INC MOR PAS THR CERT SERIES 2002 7