8-K 1 abn02003_200208.htm MONTHLY DISTRIBUTION STATEMENTS 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: April 22, 2002
(Date of earliest event reported)

ABN AMRO Mortgage Corporation (as depositor under Pooling and
Servicing Agreement, dated as of March 1, 2002 providing for,
inter alia, the issuance of ABN AMRO Mortgage Corporation
Mortgage Pass-through Certificates Series 2002-3)

Delaware (State or other jurisdiction of organization)
333-73036-03 (Commission File No.)
363886007 (I.R.S. Employer Identification No.)

135 South LaSalle Street, Chicago, Illinois 60603
(Address of principal executive offices) (Zip Code)

Registrant's Telephone Number, including area code
(312) 904-2000

(Former name or former address, if changed since
last report.)

ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL
INFORMATION AND EXHIBITS

(c) Exhibits

Exhibit No. Description

99.1 Monthly distribution report pursuant to
Section 4.01 of the Pooling and Servicing Agreement
for the distribution on August 26, 2002.

Pursuant to the requirements of the Securities Exchange Act
of 1934, the Registrant has duly caused this report to be
signed on behalf of the Registrant by the undersigned
thereunto duly authorized.

LASALLE BANK N.A. IN
ITS CAPACITY AS AGENT FOR THE
TRUSTEE UNDER THE POOLING AND
SERVICING AGREEMENT ON
BEHALF OF ABN AMRO Mortgage
Corporation, REGISTRANT

By:

/s/ Russell Goldenberg
Russell Goldenberg,
Group Senior Vice President

Date: August 26, 2002.

ABN AMRO

LASALLE BANK

N.A.

ABN AMRO MORTGAGE CORPORATION

STATEMENT DATE:

08/26/2002

ABN AMRO MORTGAGE GROUP, INC., AS SERVICER

PAYMENT DATE:

08/26/2002

135 S. LASALLE STREET SUITE 1625

CHICAGO, IL 60603-4159

USA

MULTI-CLASS MORTGAGE PASS THROUGH CERTIFICATES

PRIOR PAYMENT:

07/25/2002

SERIES 2002-3

NEXT PAYMENT:

09/25/2002

RECORD DATE:

07/31/2002

ABN AMRO ACCT: 67-8967-30-8

ADMINISTRATOR:

REPORTING PACKAGE TABLE OF CONTENTS

ANALYST:

STEFANIE EDWARDS 312-904-8975

HUNG HUYNH 714-238-6716

STEFANIE.EDWARDS@ABNAMRO.COM

HUNG.B.HUYNH@ABNAMRO.COM

PAGE(S)

ISSUE ID:

ABN02003

CLOSING DATE:

3/28/2002

STATEMENTS TO CERTIFICATEHOLDERS

PAGE 2

CASH RECONCILIATION SUMMARY

PAGE 3

FIRST PAYMENT DATE:

4/25/2002

MONTHLY DATA FILE NAME:

BOND INTEREST RECONCILIATION

PAGE 4

ASSUMED FINAL PAYMENT: DATE:

4/25/2017

ABN02003_200208_3.ZIP

OTHER RELATED INFORMATION

PAGE 5

ASSET-BACKED FACTS ~ 15 MONTH LOAN STATUS SUMMARY

PAGE 6

REALIZED LOSS DETAIL

PAGE 7

PARTIES TO THE TRANSACTION

DEPOSITOR: ABN AMRO INC.

UNDERWRITER: GOLDMAN SACHS & CO.

MASTER SERVICER: ABN AMRO MORTGAGE GROUP, INC.

SPECIAL SERVICER: ABN AMRO MORTGAGE GROUP, INC.

RATING AGENCY: STANDARD & POOR'S RATING SERVICES/FITCH RATINGS/MOODY'S INVESTORS SERVICE, INC.

INFORMATION IS AVAILABLE FOR THIS ISSUE FROM THE FOLLOWING SOURCES

LASALLE WEB SITE

WWW.ETRUSTEE.NET

LASALLE FACTOR LINE

(800) 246-5761

08/20/2002 - 13:39 (H497-H509) 2002 LASALLE BANK N.A.

PAGE 1 OF 7





	ABN AMRO

	LASALLE BANK		N.A.
*ABN AMRO MORTGAGE CORPORATION*

										*ABN AMRO MORTGAGE GROUP, INC., AS SERVICER*																											STATEMENT DATE:								08/26/2002

										*MULTI-CLASS MORTGAGE PASS THROUGH CERTIFICATES*																											PAYMENT DATE:						08/26/2002

WAC:						6.476585%				*SERIES 2002-3*																											PRIOR PAYMENT:							07/25/2002
																																		NEXT PAYMENT:							09/25/2002
WAMM:						172
																																		RECORD DATE:								07/31/2002
										*REMIC II*
										*ABN AMRO ACCT: 67-8967-30-8*


									ORIGINAL							OPENING		PRINCIPAL			PRINCIPAL			NEGATIVE				CLOSING					INTEREST				INTEREST				PASS-THROUGH
				CLASS				FACE VALUE (1)								BALANCE		PAYMENT			ADJ. OR LOSS			AMORTIZATION				BALANCE					PAYMENT (2)				ADJUSTMENT				RATE

			CUSIP												PER $ 1000				PER $ 1000			PER $ 1000			PER $ 1000				PER $ 1000						PER $ 1000		PER $ 1000		NEXT RATE(3)
	A-1						12,509,795.00					12,318,586.80					62,936.51			0.00			0.00				12,255,650.29				56,460.19					0.00				5.50000000%
	00077BH48													984.715321074			5.030978525			0.000000000			0.000000000				979.684342549					4.513278595				0.000000000						FIXED

	A-2						54,746,000.00					53,344,689.44					280,934.15			0.00			0.00				53,063,755.29				266,723.45					0.00				6.00000000%
	00077BH55													974.403416505			5.131592262			0.000000000			0.000000000				969.271824243					4.872017134				0.000000000						FIXED

	A-3						46,594,773.00					44,307,439.95					337,761.94			0.00			0.00				43,969,678.01				230,767.92					0.00				6.25000000%
	00077BH63													950.910093499			7.248923393			0.000000000			0.000000000				943.661170106					4.952656814				0.000000000						FIXED

	A-4						57,728,683.00					52,935,799.19					5,404,860.98			0.00			0.00				47,530,938.21				286,735.58					0.00				6.50000000%
	00077BH71													916.975694561			93.625225782			0.000000000			0.000000000				823.350468778					4.966951697				0.000000000						FIXED

	A-X						1,124,123.00				N	950,390.11					0.00			0.00			0.00				742,775.01				5,147.95					0.00				6.50000000%
	00077BH89													845.450284355			0.000000000			0.000000000			0.000000000				660.759552113					4.579525550				0.000000000						FIXED

	A-P						26,970.00					26,530.64					111.13			0.00			0.00				26,419.51				0.00					0.00				N/A
	00077BH97													983.709306637			4.120504264			0.000000000			0.000000000				979.588802373					0.000000000				0.000000000

	M						956,000.00					942,738.78					3,367.68			0.00			0.00				939,371.10				4,713.69					0.00				6.00000000%
	00077BJ20													986.128430962			3.522677824			0.000000000			0.000000000				982.605753138					4.930638075				0.000000000						FIXED

	B-1						435,000.00					428,965.88					1,532.37			0.00			0.00				427,433.51				2,144.83					0.00				6.00000000%
	00077BJ38													986.128459770			3.522689655			0.000000000			0.000000000				982.605770115					4.930643678				0.000000000						FIXED

	B-2						347,000.00					342,186.57					1,222.37			0.00			0.00				340,964.20				1,710.93					0.00				6.00000000%
	00077BJ46													986.128443804			3.522680115			0.000000000			0.000000000				982.605763689					4.930634006				0.000000000						FIXED

	B-3						174,000.00					171,586.36					612.95			0.00			0.00				170,973.41				857.93					0.00				6.00000000%
	00077BJ61													986.128505747			3.522701149			0.000000000			0.000000000				982.605804598					4.930632184				0.000000000						FIXED

	B-4						86,890.00					85,684.70					306.09			0.00			0.00				85,378.61				428.42					0.00				6.00000000%
	00077BJ79													986.128438255			3.522729888			0.000000000			0.000000000				982.605708367					4.930601910				0.000000000						FIXED

	B-5						174,171.67					171,755.64					613.55			0.00			0.00				171,142.09				858.78					0.00				6.00000000%
	00077BJ87													986.128455908			3.522673923			0.000000000			0.000000000				982.605781985					4.930652614				0.000000000						FIXED

	R-2						100.00					0.00					0.00			0.00			0.00				0.00				0.00					0.00				N/A
	00077BJ53													0.000000000			0.000000000			0.000000000			0.000000000				0.000000000					0.000000000				0.000000000						FIXED



		TOTAL			173,779,382.67								165,075,963.95				6,094,259.72			0.00			0.00				158,981,704.23				856,549.67					0.00

																										TOTAL P&I PAYMENT				6,950,809.39


NOTES: (1) N DENOTES NOTIONAL BALANCE NOT INCLUDED IN TOTAL (2) ACCRUED INTEREST PLUS/MINUS INTEREST ADJUSTMENT MINUS DEFERRED INTEREST EQUALS INTEREST PAYMENT (3) ESTIMATED. * DENOTES CONTROLLING CLASS
08/20/2002 - 13:39 (H497-H509) 2002 LASALLE BANK N.A.																																						PAGE 2 OF 7

ABN AMRO

LASALLE BANK

N.A.

ABN AMRO MORTGAGE CORPORATION

ABN AMRO MORTGAGE GROUP, INC., AS SERVICER

STATEMENT DATE:

08/26/2002

MULTI-CLASS MORTGAGE PASS THROUGH CERTIFICATES

PAYMENT DATE:

08/26/2002

PRIOR PAYMENT:

07/25/2002

SERIES 2002-3

NEXT PAYMENT:

09/25/2002

RECORD DATE:

07/31/2002

ABN AMRO ACCT: 67-8967-30-8

CASH RECONCILIATION SUMMARY

INTEREST SUMMARY

SERVICING FEE SUMMARY

PRINCIPAL SUMMARY

CURRENT SCHEDULED INTEREST

837,790.61

CURRENT SERVICING FEES

32,350.59

SCHEDULED:

LESS DEFERRED INTEREST

0.00

PLUS FEES ADVANCED FOR PPIS

0.00

CURRENT SCHEDULED PRINCIPAL

543,242.79

PLUS ADVANCE INTEREST

51,109.65

LESS REDUCTION FOR PPIS

0.00

ADVANCED SCHEDULED PRINCIPAL

34,517.22

PLUS UNSCHEDULED INTEREST

0.00

PLUS DELINQUENT SERVICING FEES

2,040.24

SCHEDULED PRINCIPAL DISTRIBUTION

577,760.01

PPIS REDUCING SCHEDULED INTEREST

0.00

TOTAL SERVICING FEES

34,390.83

UNSCHEDULED:

LESS TOTAL FEES PAID TO SERVICER

(32,350.59)

CURTAILMENTS

183,341.85

PLUS FEES ADVANCED FOR PPIS

0.00

PREPAYMENTS IN FULL

5,333,157.85

LESS FEE STRIPS PAID BY SERVICER

0.00

PPIS SUMMARY

LIQUIDATION PROCEEDS

0.00

LESS MISC. FEES & EXPENSES

0.00

GROSS PPIS

0.00

REPURCHASE PROCEEDS

0.00

LESS NON RECOVERABLE ADVANCES

0.00

REDUCED BY PPIE

0.00

OTHER PRINCIPAL PROCEEDS

0.00

INTEREST DUE TRUST

857,925.31

REDUCED BY SHORTFALLS IN FEES

0.00

UNSCHEDULED PRINCIPAL DISTRIBUTION

5,516,499.70

LESS TRUSTEE FEE

(1,375.63)

REDUCED BY OTHER AMOUNTS

0.00

REMITTANCE PRINCIPAL

6,094,259.71

LESS FEE STRIPS PAID BY TRUST

0.00

NET PPIS

0.00

LESS MISC. FEES PAID BY TRUST

0.00

PPIS REDUCING SERVICING FEE

0.00

SERVICER WIRE AMOUNT

6,952,185.02

LESS INTEREST RESERVE WITHHOLDING

0.00

PPIS ALLOCATED TO CERTIFICATES

0.00

PLUS INTEREST RESERVE DEPOSIT

0.00

REMITTANCE INTEREST

856,549.68

POOL BALANCE SUMMARY

BALANCE/AMOUNT

COUNT

BEGINNING POOL

165,075,966.64

339

SCHEDULED PRINCIPAL DISTRIBUTION

577,760.01

UNSCHEDULED PRINCIPAL DISTRIBUTION

5,516,499.70

DEFERRED INTEREST

0.00

LIQUIDATIONS

0.00

REPURCHASES

0.00

ENDING POOL

158,981,706.93

331

ADVANCES

PRIOR OUTSTANDING

CURRENT PERIOD

RECOVERED

ENDING OUTSTANDING

PRINCIPAL

INTEREST

PRINCIPAL

INTEREST

PRINCIPAL

INTEREST

PRINCIPAL

INTEREST

MADE BY: SERVICER

2,848.87

3,958.79

34,517.22

51,109.65

2,848.87

3,958.79

34,517.22

51,109.65

08/20/2002 - 13:39 (H497-H509) 2002 LASALLE BANK N.A.

PAGE 3 OF 7





	ABN AMRO

	LASALLE BANK	N.A.

					*ABN AMRO MORTGAGE CORPORATION*

															*ABN AMRO MORTGAGE GROUP, INC., AS SERVICER*																																		STATEMENT DATE:					08/26/2002
																																																	PAYMENT DATE:					08/26/2002
															*MULTI-CLASS MORTGAGE PASS THROUGH CERTIFICATES*
																																																	PRIOR PAYMENT:						07/25/2002
															*SERIES 2002-3*
																																																	NEXT PAYMENT:							09/25/2002
																																		RECORD DATE:								07/31/2002


															*ABN AMRO ACCT: 67-8967-30-8*
															*BOND INTEREST RECONCILIATION*


																							DEDUCTIONS																		ADDITIONS
																																		REMAINING
															ACCRUAL						PASS								ACCRUED
DEFERRED &

						PRIOR						PREPAY-				OTHER	DISTRIBUTABLE							INTEREST				CURRENT PERIOD			OUTSTANDING
																																		CREDIT SUPPORT
													THRU							CERTIFICATE							ALLOCABLE						ACCRETION				INTEREST	INT. SHORT-							MENT				INTEREST		CERTIFICATE						PAYMENT		(SHORTFALL)/			INTEREST
			CLASS				METHOD DAYS							RATE					INTEREST							PPIS						INTEREST				LOSS/EXP				FALLS DUE (3)				PENALTIES				PROCEEDS (1)
INTEREST (2)

				AMOUNT				RECOVERY			SHORTFALLS			ORIGINAL								CURRENT(4)

		A-1							30/360	30	5.500000000%						56,460.19								0.00						0.00				0.00				0.00			0.00				0.00				56,460.19			56,460.19					0.00		0.00			0.60%	0.88%
		A-2							30/360	30	6.000000000%						266,723.45								0.00						0.00				0.00				0.00			0.00				0.00				266,723.45			266,723.45					0.00		0.00			0.60%	0.88%
		A-3							30/360	30	6.250000000%						230,767.92								0.00						0.00				0.00				0.00			0.00				0.00				230,767.92			230,767.92					0.00		0.00			0.60%	0.88%
		A-4							30/360	30	6.500000000%						286,735.58								0.00						0.00				0.00				0.00			0.00				0.00				286,735.58			286,735.58					0.00		0.00			0.60%	0.88%
		A-X							30/360	30	6.500000000%						5,147.95								0.00						0.00				0.00				0.00			0.00				0.00				5,147.95			5,147.95					0.00		0.00			0.60%	0.88%
		A-P							30/360	30	0.000000000%						0.00								0.00						0.00				0.00				0.00			0.00				0.00				0.00			0.00					0.00		0.00			0.60%	0.88%
		M							30/360	30	6.000000000%						4,713.69								0.00						0.00				0.00				0.00			0.00				0.00				4,713.69			4,713.69					0.00		0.00			0.05%	0.29%
		B-1							30/360	30	6.000000000%						2,144.83								0.00						0.00				0.00				0.00			0.00				0.00				2,144.83			2,144.83					0.00		0.00			0.00%	0.02%
		B-2							30/360	30	6.000000000%						1,710.93								0.00						0.00				0.00				0.00			0.00				0.00				1,710.93			1,710.93					0.00		0.00			0.00%	0.00%
		B-3							30/360	30	6.000000000%						857.93								0.00						0.00				0.00				0.00			0.00				0.00				857.93			857.93					0.00		0.00			0.00%	0.00%
		B-4							30/360	30	6.000000000%						428.42								0.00						0.00				0.00				0.00			0.00				0.00				428.42			428.42					0.00		0.00			0.00%	0.00%
		B-5							30/360	30	6.000000000%						858.78								0.00						0.00				0.00				0.00			0.00				0.00				858.78			858.78					0.00		0.00			0.00%	0.00%
																		856,549.67						0.00						0.00					0.00			0.00					0.00				0.00			856,549.67		856,549.67						0.00			0.00

	(1) OTHER INTEREST PROCEEDS ARE ADDITIONAL INTEREST AMOUNTS SPECIFICALLY ALLOCATED TO THE BOND(S) AND USED IN DETERMINING THE BONDS DISTRIBUTABLE INTEREST.
	(2) ACCRUED - DEDUCTIONS + ADDITIONS INTEREST
	(3) PRIOR INTEREST SHORTFALL AMOUNT INCLUDES INTEREST DUE ON OUTSTANDING SHORTFALLS AND LOSSES WHERE APPLICABLE.
	(4) DETERMINED AS FOLLOWS: (A) THE ENDING BALANCE OF ALL THE CLASSES LESS (B) THE SUM OF (I) THE ENDING BALANCE OF THE CLASS AND (II) THE ENDING BALANCE OF ALL CLASSES WHICH ARE NOT SUBORDINATE TO THE CLASS DIVIDED BY (A).
																																		PAGE 4 OF 7
	08/20/2002 - 13:39 (H497-H509) 2002 LASALLE BANK N.A.

ABN AMRO

LASALLE BANK

N.A.

ABN AMRO MORTGAGE CORPORATION

ABN AMRO MORTGAGE GROUP, INC., AS SERVICER

STATEMENT DATE:

08/26/2002

MULTI-CLASS MORTGAGE PASS THROUGH CERTIFICATES

PAYMENT DATE:

08/26/2002

PRIOR PAYMENT:

07/25/2002

SERIES 2002-3

NEXT PAYMENT:

09/25/2002

RECORD DATE:

07/31/2002

ABN AMRO ACCT: 67-8967-30-8

OTHER RELATED INFORMATION

SPECIAL HAZARD COVERAGE

FRAUD LOSS COVERAGE

BANKRUPTCY LOSS COVERAGE

BEGINNING

BALANCE

CURRENT

REDUCTION

ENDING

BALANCE

BEGINNING

BALANCE

CURRENT

REDUCTION

ENDING

BALANCE

BEGINNING

BALANCE

CURRENT

REDUCTION

ENDING

BALANCE

2,467,142.00

0.00

2,467,142.00

1,737,794.00

0.00

1,737,794.00

100,000.00

0.00

100,000.00

TOTAL

NUMBER OF PAYOFFS:

AGGREGATE PAYOFF AMOUNTS:

5,333,157.85

NUMBER OF CURTAILMENTS:

AGGREGATE CURTAILMENT AMOUNTS:

186,946.34

NUMBER OF LOANS IN FORECLOSURE:

BOOK VALUE OF LOANS IN FORECLOSURE:

0.00

PRIOR REALIZED LOSSES ALLOCATED TO THE CERTIFICATES:

0.00

CURRENT REALIZED LOSSES ALLOCATED TO THE CERTIFICATES:

0.00

CUMULATIVE REALIZED LOSSES ALLOCATED TO THE CERTIFICATES SINCE CUTOFF:

0.00

08/20/2002 - 13:39 (H497-H509) 2002 LASALLE BANK N.A.

PAGE 5 OF 7





		ABN AMRO

		LASALLE BANK		N.A.
		*ABN AMRO MORTGAGE CORPORATION*

																																	STATEMENT DATE:							08/26/2002
												*ABN AMRO MORTGAGE GROUP, INC., AS SERVICER*																															PAYMENT DATE:							08/26/2002
																																											*MULTI-CLASS MORTGAGE PASS THROUGH CERTIFICATES*
												PRIOR PAYMENT:									07/25/2002
												*SERIES 2002-3*
																																											NEXT PAYMENT:									09/25/2002
																																	RECORD DATE:									07/31/2002

												*ABN AMRO ACCT: 67-8967-30-8*

												*ASSET-BACKED FACTS ~ 15 MONTH HISTORICAL LOAN STATUS SUMMARY*



											DELINQUENCY AGING CATEGORIES																									SPECIAL EVENT CATEGORIES (1)


DISTRIBUTION
DATE
DELINQ 1 MONTH								DELINQ 2 MONTHS					DELINQ 3+ MONTHS					FORECLOSURE							REO				MODIFICATIONS									SPECIALLY SERVICED						BANKRUPTCY
	# BALANCE								# BALANCE					# BALANCE					# BALANCE						# BALANCE							# BALANCE							# BALANCE							# BALANCE


					8/26/02		0		0						0	0				0		0			0	0				0	0			0			0				0		0					0			0
						0.00%				0.00%			0.00%				0.00%			0.00%			0.00%	0.00%			0.00%	0.00%				0.00%			0.00%			0.00%			0.00%				0.00%				0.00%				0.00%
					7/25/02		0		0						0	0				0		0			0	0				0	0			0			0				0		0					0			0
						0.00%				0.00%			0.00%				0.00%			0.00%			0.00%	0.00%			0.00%	0.00%				0.00%			0.00%			0.00%			0.00%				0.00%				0.00%				0.00%
					6/25/02		0		0						0	0				0		0			0	0				0	0			0			0				0		0					0			0
						0.00%				0.00%			0.00%				0.00%			0.00%			0.00%	0.00%			0.00%	0.00%				0.00%			0.00%			0.00%			0.00%				0.00%				0.00%				0.00%
					5/28/02		6		2,190,632						0	0				0		0			0	0				0	0			0			0				0		0					0			0
						1.73%				1.28%			0.00%				0.00%			0.00%			0.00%	0.00%			0.00%	0.00%				0.00%			0.00%			0.00%			0.00%				0.00%				0.00%				0.00%
					4/25/02		0		0						0	0				0		0			0	0				0	0			0			0				0		0					0			0
						0.00%				0.00%			0.00%				0.00%			0.00%			0.00%	0.00%			0.00%	0.00%				0.00%			0.00%			0.00%			0.00%				0.00%				0.00%				0.00%
			(1) NOTE: MODIFICATION, SPECIALLY SERVICED & BANKRUPTCY TOTALS ARE INCLUDED IN THE APPROPRIATE DELINQUENCY AGING CATEGORY
				08/20/2002 - 13:39 (H497-H509) 2002 LASALLE BANK N.A.																																											PAGE 6 OF 7

ABN AMRO

LASALLE BANK

N.A.

ABN AMRO MORTGAGE CORPORATION

STATEMENT DATE:

08/26/2002

ABN AMRO MORTGAGE GROUP, INC., AS SERVICER

PAYMENT DATE:

08/26/2002

MULTI-CLASS MORTGAGE PASS THROUGH CERTIFICATES

PRIOR PAYMENT:

07/25/2002

SERIES 2002-3

NEXT PAYMENT:

09/25/2002

RECORD DATE:

07/31/2002

ABN AMRO ACCT: 67-8967-30-8

REALIZED LOSS DETAIL

BEGINNING

SCHEDULED

BALANCE

GROSS PROCEEDS

AS A % OF

SCHED. BALANCE

AGGREGATE

LIQUIDATION

EXPENSES *

NET

LIQUIDATION

PROCEEDS

NET PROCEEDS

AS A % OF

SCHED. BALANCE

PERIOD

DISCLOSURE

CONTROL #

APPRAISAL

DATE

APPRAISAL

VALUE

GROSS

PROCEEDS

REALIZED

LOSS

CURRENT TOTAL

CUMULATIVE

* AGGREGATE LIQUIDATION EXPENSES ALSO INCLUDE OUTSTANDING P&I ADVANCES AND UNPAID SERVICING FEES, UNPAID TRUSTEE FEES, ETC..

08/20/2002 - 13:39 (H497-H509) 2002 LASALLE BANK N.A.

PAGE 7 OF 7

ABN AMRO MORTGAGE CORP SERIES 2002-3 8-K