8-K 1 boa02j_8k0409.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, 2004 BOA (Depositor) (Issuer in respect of MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-J) (Exact name of registrant as specified in charter) North Carolina 333-97547-03 61-1430160 (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-J On September 25, 2004, The Bank of New York, as Trustee for BOA, MORTGAGE PASS-THROUGH CERTIFICATES Series 2002-J, 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 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-J relating to the distribution date of September 25, 2004 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: September 25, 2004 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, 2004 Payment Date: 09/25/04 ------------------------------------------------------------ BANK OF AMERICA MORTGAGE SECURITIES, INC. MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-J Bank of America, N.A., 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 A1 2625,~~388~~481,~~095~~103.1884 2.995000% ~~906~~1,~~991~~541,748.3495 6563,~~860~~596.2959 ~~972~~1,~~851~~605,345.6254 0.00 0.00 A2 6563,~~357~~111,~~867~~436.3190 4.879000% 23,~~246~~818,~~430~~594.4105 ~~265~~256,~~734~~600.2058 24,~~512~~075,~~164~~194.6164 0.00 0.00 A3 1413,~~374~~880,~~897~~814.5057 4.879000% ~~494~~839,~~082~~866.9373 5856,~~445~~437.9408 ~~552~~896,~~528~~303.8781 0.00 0.00 A4 ~~388~~374,~~122~~781.2399 4.879000% 1322,~~340~~676.2440 1,~~578~~523.0480 1424,~~918~~200.2820 0.00 0.00 AP ~~247~~245,~~122~~827.6876 0.000000% ~~1,294~~481.9311 0.00 ~~1,294~~481.9311 0.00 0.00 Residual AR 0.00 4.412231% 0.00 0.1200 0.1200 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 4,~~750~~669,~~696~~405.2781 4.412231% 81138,~~290~~038.4523 17,~~467~~168.6475 98155,~~758~~206.0998 0.00 0.00 B2 2,~~090~~054,~~066~~303.9626 4.412231% 3560,~~763~~729.7087 7,~~684~~553.8838 4368,~~448~~283.5825 0.00 0.00 B3 1,~~520~~494,~~169~~157.6157 4.412231% 2644,~~012~~170.0369 5,~~589~~493.4581 3149,~~601~~664.4849 0.00 0.00 B4 ~~569~~560,~~897~~145.3569 4.412231% 916,~~751~~559.6718 2,~~095~~059.4358 1118,~~847~~618.1075 0.00 0.00 B5 ~~570~~560,~~562~~799.3530 4.412231% 916,~~763~~578.0550 2,~~097~~061.8898 1118,~~860~~640.9248 0.00 0.00 B6 ~~760~~747,~~135~~128.7990 4.412231% 1322,~~006~~086.8981 2,~~794~~747.9109 1524,~~801~~833.8090 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~117~~113,~~017~~179,~~633~~905.2359 - 36,~~837~~521,~~727~~530.6451 ~~429~~415,~~348~~242.7863 46,~~267~~936,~~076~~773.4215 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior A1 2523,~~481~~939,~~103~~354.8489 0.00 A2 6359,~~111~~292,~~436~~842.9085 0.00 A3 13,~~880~~040,~~814~~947.5784 0.00 A4 ~~374~~352,~~781~~105.9959 0.00 AP 245,~~827~~346.7664 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate B1 4,~~669~~531,~~405~~367.8158 0.00 B2 21,~~054~~993,~~303~~573.2639 0.00 B3 1,~~494~~449,~~157~~986.5788 0.00 B4 ~~560~~543,~~145~~586.6951 0.00 B5 ~~560~~544,~~799~~220.3080 0.00 B6 ~~747~~725,~~128~~042.9009 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~113~~106,~~179~~658,~~905~~375.5908 - --------------------------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ BANK OF AMERICA MORTGAGE SECURITIES, INC. MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-J Bank of America, N.A., 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 A1 2625,~~388~~481,~~095~~103.1884 2.995000% 06050HVJ4 611.~~587772~~198223 0.~~478365~~461923 ~~185~~173.~~077528~~879305 A2 6563,~~357~~111,~~867~~436.3190 4.879000% 06050HVK1 611.~~587772~~198223 0.~~779279~~752494 ~~185~~173.~~077528~~879305 A3 1413,~~374~~880,~~897~~814.5057 4.879000% 06050HVL9 611.~~587772~~198223 0.~~779279~~752494 ~~185~~173.~~077528~~879305 A4 ~~388~~374,~~122~~781.2399 4.879000% 06050HVM7 611.~~587772~~198223 0.~~779279~~752494 ~~185~~173.~~077528~~879305 AP ~~247~~245,~~122~~827.6876 0.000000% 06050HVN5 31.~~614387~~342882 0.000000 ~~686~~684.~~152453~~809571 Residual AR 0.00 4.412231% 06050HVP0 0.000000 10.~~238656~~000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 4,~~750~~669,~~696~~405.2781 4.412231% 06050HVQ8 1119.~~378843~~322261 2.~~445079~~403240 ~~653~~634.~~612236~~289975 B2 2,~~090~~054,~~066~~303.9626 4.412231% 06050HVR6 1119.~~378843~~322261 2.~~445079~~403240 ~~653~~634.~~612236~~289975 B3 1,~~520~~494,~~169~~157.6157 4.412231% 06050HVS4 1119.~~378843~~322261 2.~~445079~~403240 ~~653~~634.~~612236~~289975 B4 ~~569~~560,~~897~~145.3569 4.412231% 06050HVT2 1119.~~378843~~322261 2.~~445079~~403240 ~~653~~634.~~612236~~289975 B5 ~~570~~560,~~562~~799.3530 4.412231% 06050HVU9 1119.~~378843~~322261 2.~~445079~~403240 ~~653~~634.~~612236~~289975 B6 ~~760~~747,~~135~~128.7990 4.412231% 06050HVV7 1119.~~378851~~322260 2.~~445080~~403242 ~~653~~634.~~612692~~290433 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~117~~113,~~017~~179,~~633~~905.2359 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ BANK OF AMERICA MORTGAGE SECURITIES, INC. MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-J Bank of America, N.A., Master Servicer ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 106,658,374.26 106,658,374.26 Loan count 236 236 Avg loan rate 5.434810% 5.43 Prepay amount 6,364,951.16 6,364,951.16 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 85,942.15 85,942.15 Sub servicer fees 0.00 0.00 Trustee fees 282.95 282.95 Agg advances N/A N/A Adv this period 0.00 0.00 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 Fraud 0.00 0.00 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 91.329176% 100.000000% 103,093,965.06 ----------------------------------------------------------------------------- Junior 8.670824% 0.000000% 9,787,777.26 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 1 540,204.99 Foreclosure 0 0.00 Totals: 1 540,204.99 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 6,936,773.15 6,936,773.15 Principal remittance amount 6,521,530.51 6,521,530.51 Interest remittance amount 415,242.63 415,242.63

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