Amnet Mortgage Inactive 10-Q2002 Q3 Quarterly report

Filed: 14 Nov 02, 12:00am

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EXHIBIT 99.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Judith A. Berry, Chief Financial Officer of American Residential Investment Trust, Inc. (the “Registrant”), do hereby certify in accordance with 18 U.S.C. 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, based on my knowledge:

(1) the Quarterly Report on Form 10-Q of the Registrant, to which this certification is attached as an exhibit (the “Report”), fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 (15 U.S.C. 78m); and

(2) the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Registrant.

Dated: November 13, 2002		/s/ Judith A. Berry
		Judith A. Berry
		Chief Financial Officer

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