8-K 1 fh02ar1_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 333-73524-01 03-0495202 (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-AR1 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-AR1, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of September 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-AR1 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 September 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 1A1 1413,~~430~~244,~~755~~013.2657 5.~~168921~~170510% 12,~~186~~039,~~741~~196.6928 6256,~~159~~909.5367 12,~~248~~096,~~901~~105.2295 0.00 0155.0058 2A1 4038,~~898~~723,~~829~~938.6265 5.~~454268~~445316% 21,~~174~~603,~~890~~148.9772 ~~185~~175,~~894~~720.3307 21,~~360~~778,~~785~~868.3079 0.00 0.00 Residual 2AR 0.00 5.~~454268~~445316% 0.00 0.01 0.01 0.00 0.00 3A1 109,~~291~~348,~~961~~214.7354 5.~~451169~~446686% ~~943~~72,~~747~~863.1986 4642,~~752~~430.6966 ~~990~~115,~~499~~294.8851 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 2,~~691~~607,~~547~~505.5576 5.~~402377~~396431% 8472,~~041~~421.7840 1211,~~117~~720.3029 9684,~~159~~141.0870 0.00 05.0073 B2 ~~928~~899,~~300~~314.3579 5.~~402377~~396431% 2824,~~985~~977.5675 4,~~179~~042.1927 3329,~~164~~020.7502 0.00 01.0098 B3 ~~742~~719,~~465~~282.79 5.~~402377~~396431% 2319,~~183~~977.0051 3,~~342~~233.5705 2623,~~525~~210.5756 0.00 01.0058 B4 ~~278~~269,~~315~~625.6139 5.~~402377~~396431% 87,~~690~~488.2263 1,~~252~~211.9792 98,~~943~~700.1955 0.00 0.0059 B5 ~~371~~360,~~669~~064.1300 5.~~402377~~396431% 1110,~~605~~000.1249 1,~~673~~618.2543 1311,~~278~~618.3792 0.00 0.0079 B6 ~~278~~270,~~907~~198.1445 5.~~402377~~396431% 87,~~708~~504.6955 1,~~255~~214.6350 98,~~964~~719.3204 0.00 0.0059 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - 7066,~~912~~442,~~752~~157.1996 - 43,~~470~~857,~~594~~579.2219 ~~318~~298,~~627~~100.4686 4,~~789~~155,~~221~~680.6906 - -166.84 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 1311,~~244~~204,~~013~~817.5729 0155.0058 2A1 3837,~~723~~120,~~938~~789.6593 0.00 Residual 2AR 0.00 0.00 3A1 9,~~348~~275,~~214~~350.5469 0.00 -------------------------------------------------------------------------------- Subordinate B1 2,~~607~~535,~~505~~084.7636 05.0073 B2 ~~899~~874,~~314~~337.7904 01.0098 B3 ~~719~~699,~~282~~305.7928 01.0058 B4 ~~269~~262,~~625~~136.3976 0.0059 B5 ~~360~~350,~~064~~063.0051 0.0079 B6 ~~270~~262,~~198~~693.4590 0.0059 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - 6662,~~442~~584,~~157~~578.9677 -166.84 --------------------------------------------------------------------------------

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 1A1 1413,~~430~~244,~~755~~013.2657 5.~~168921~~170510% 32051DPY2 3459.~~881597~~937578 1.~~827039~~672731 ~~389~~329.~~277925~~340347 2A1 4038,~~898~~723,~~829~~938.6265 5.~~454268~~445316% 32051DPZ9 1411.~~947191~~017826 1.~~277580~~207657 ~~266~~255.~~134763~~116937 Residual 2AR 0.00 5.~~454268~~445316% 32051DQB1 0.000000 0.~~097017~~062297 0.000000 3A1 109,~~291~~348,~~961~~214.7354 5.~~451169~~446686% 32051DQA3 342.~~715733~~680296 1.~~719797~~560811 ~~343~~341.~~873995~~193698 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 2,~~691~~607,~~547~~505.5576 5.~~402377~~396431% 32051DQC9 2723.~~242069~~475334 3.~~927810~~799123 ~~845~~821.~~220669~~745335 B2 ~~928~~899,~~300~~314.3579 5.~~402377~~396431% 32051DQD7 2723.~~242069~~475334 3.~~927810~~799123 ~~845~~821.~~220669~~745335 B3 ~~742~~719,~~465~~282.79 5.~~402377~~396431% 32051DQE5 2723.~~242069~~475334 3.~~927810~~799123 ~~845~~821.~~220669~~745335 B4 ~~278~~269,~~315~~625.6139 5.~~402377~~396431% 32051DPV8 2723.~~242069~~475334 3.~~927810~~799123 ~~845~~821.~~220669~~745335 B5 ~~371~~360,~~669~~064.1300 5.~~402377~~396431% 32051DPW6 2723.~~242069~~475334 3.~~927810~~799123 ~~845~~821.~~220669~~745335 B6 ~~278~~270,~~907~~198.1445 5.~~402377~~396431% 32051DPX4 2723.~~242073~~475337 3.~~927811~~799124 ~~845~~821.~~220796~~745459 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - 7066,~~912~~442,~~752~~157.1996 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 12,051,669.39 40,535,708.91 9,997,200.45 Loan count 27 86 24 Avg loan rate 5.444510% 5.676316% 5.697686% Prepay amount 2,093,167.10 1,638,769.07 62,876.25 Total ----- Prin balance 62,584,578.75 Loan count 137 Avg loan rate 5.63 Prepay amount 3,794,812.41 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 1,987.04 5,636.90 2,056.63 Sub servicer fees 0.00 0.00 0.00 Trustee fees 70.80 211.05 50.37 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 Total ----- Master serv fees 9,680.57 Sub servicer fees 0.00 Trustee fees 332.21 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 92.483202% 96.767309% 61,316,166.77 ----------------------------------------------------------------------------- Junior 7.516798% 3.232691% 4,983,620.85 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 0 0.00 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 0 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 4,155,680.06 4,155,680.06 Principal remittance amount 3,857,579.19 3,857,579.19 Interest remittance amount 298,100.86 298,100.86

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