UNITED STATES 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): October 27, 2003 FREMONT HOME LOAN TRUST Asset-Backed Certificates, Series 2003-A Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-104153-08 54-2123742 Pooling and Servicing Agreement) (Commission 54-2123741 (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road Columbia, Maryland 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) ITEM 5. Other Events On October 27, 2003 a distribution was made to holders of FREMONT HOME LOAN TRUST, Asset-Backed Certificates, Series 2003-A Trust. ITEM 7. Financial Statements and Exhibits (c) Exhibits furnished in accordance with Item 601(a) of Regulation S-K Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset-Backed Certificates, Series 2003-A Trust, relating to the October 27, 2003 distribution. 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 hereunto duly authorized. FREMONT HOME LOAN TRUST Asset-Backed Certificates, Series 2003-A Trust By: Wells Fargo Bank Minnesota, NA, as Trust Administrator By: /s/ Beth Belfield, Assistant Vice President By: Beth Belfield, Assistant Vice President Date: 10/30/03 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset- Backed Certificates, Series 2003-A Trust, relating to the October 27, 2003 distribution. EX-99.1 Fremont Home Loan Trust Asset-Backed Certificates Record Date: 9/30/03 Distribution Date: 10/27/03 FREMONT Series: 2003-A Contact: Customer Service - CTSLink Wells Fargo Bank Minnesota, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution <s> <c> <c> <c> <c> <c> <c> 1 A-1 35729PBH2 SEN 1.47000% 293,356,256.50 383,318.84 2,368,640.62 2 A-1 35729PBJ8 SEN 1.25000% 40,535,917.15 45,039.91 512,905.14 2 A-2 35729PBK5 SEN 1.47500% 122,168,000.00 160,175.82 0.00 M1 35729PBL3 MEZ 1.77000% 36,502,000.00 57,429.81 0.00 M2 35729PBM1 MEZ 2.84500% 26,675,000.00 67,458.11 0.00 M3 35729PBN9 MEZ 3.17000% 8,424,000.00 23,736.96 0.00 M4 35729PBP4 MEZ 4.22000% 5,616,000.00 21,066.24 0.00 M5 35729PBQ2 MEZ 5.12000% 12,635,000.00 57,503.29 0.00 C FOM0300AC OC 0.00000% 12,634,766.24 2,385,758.63 0.00 P FOM0300AP PrePay 0.00000% 100.00 36,677.88 0.00 R-1 FOM030AR1 RES 0.00000% 0.00 0.00 0.00 R-2 FOM030AR2 RES 0.00000% 0.00 0.00 0.00 Totals 558,547,039.89 3,238,165.49 2,881,545.76 Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses <s> <c> <c> <c> <c> 1 A-1 0.00 290,987,615.88 2,751,959.46 0.00 2 A-1 0.00 40,023,012.01 557,945.05 0.00 2 A-2 0.00 122,168,000.00 160,175.82 0.00 M1 0.00 36,502,000.00 57,429.81 0.00 M2 0.00 26,675,000.00 67,458.11 0.00 M3 0.00 8,424,000.00 23,736.96 0.00 M4 0.00 5,616,000.00 21,066.24 0.00 M5 0.00 12,635,000.00 57,503.29 0.00 C 0.00 12,634,766.24 2,385,758.63 0.00 P 0.00 100.00 36,677.88 0.00 R-1 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 Totals 0.00 555,665,494.13 6,119,711.25 0.00 <FN> All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee. </FN> Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) <s> <c> <c> <c> <c> <c> <c> 1 A-1 294,422,000.00 293,356,256.50 0.00 2,368,640.62 0.00 0.00 2 A-1 42,500,000.00 40,535,917.15 0.00 512,905.14 0.00 0.00 2 A-2 122,168,000.00 122,168,000.00 0.00 0.00 0.00 0.00 M1 36,502,000.00 36,502,000.00 0.00 0.00 0.00 0.00 M2 26,675,000.00 26,675,000.00 0.00 0.00 0.00 0.00 M3 8,424,000.00 8,424,000.00 0.00 0.00 0.00 0.00 M4 5,616,000.00 5,616,000.00 0.00 0.00 0.00 0.00 M5 12,635,000.00 12,635,000.00 0.00 0.00 0.00 0.00 C 12,634,766.24 12,634,766.24 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R-1 0.00 0.00 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 0.00 0.00 Totals 561,576,866.24 558,547,039.89 0.00 2,881,545.76 0.00 0.00 <FN> (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description. </FN> Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution <s> <c> <c> <c> <c> 1 A-1 2,368,640.62 290,987,615.88 0.98833516 2,368,640.62 2 A-1 512,905.14 40,023,012.01 0.94171793 512,905.14 2 A-2 0.00 122,168,000.00 1.00000000 0.00 M1 0.00 36,502,000.00 1.00000000 0.00 M2 0.00 26,675,000.00 1.00000000 0.00 M3 0.00 8,424,000.00 1.00000000 0.00 M4 0.00 5,616,000.00 1.00000000 0.00 M5 0.00 12,635,000.00 1.00000000 0.00 C 0.00 12,634,766.24 1.00000000 0.00 P 0.00 100.00 1.00000000 0.00 R-1 0.00 0.00 0.00000000 0.00 R-2 0.00 0.00 0.00000000 0.00 Totals 2,881,545.76 555,665,494.13 0.98947362 2,881,545.76 Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion <s> <c> <c> <c> <c> <c> 1 A-1 294,422,000.00 996.38021785 0.00000000 8.04505309 0.00000000 2 A-1 42,500,000.00 953.78628588 0.00000000 12.06835624 0.00000000 2 A-2 122,168,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M1 36,502,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M2 26,675,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M3 8,424,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M4 5,616,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M5 12,635,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 C 12,634,766.24 1000.00000000 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R-1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 <FN> (2) All Classes are per $1,000 denomination. </FN> Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution <s> <c> <c> <c> <c> <c> 1 A-1 0.00000000 8.04505309 988.33516476 0.98833516 8.04505309 2 A-1 0.00000000 12.06835624 941.71792965 0.94171793 12.06835624 2 A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 C 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 <FN> (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description. </FN> Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall <s> <c> <c> <c> <c> <c> <c> 1 A-1 294,422,000.00 1.47000% 293,356,256.50 383,318.84 0.00 0.00 2 A-1 42,500,000.00 1.25000% 40,535,917.15 45,039.91 0.00 0.00 2 A-2 122,168,000.00 1.47500% 122,168,000.00 160,175.82 0.00 0.00 M1 36,502,000.00 1.77000% 36,502,000.00 57,429.81 0.00 0.00 M2 26,675,000.00 2.84500% 26,675,000.00 67,458.11 0.00 0.00 M3 8,424,000.00 3.17000% 8,424,000.00 23,736.96 0.00 0.00 M4 5,616,000.00 4.22000% 5,616,000.00 21,066.24 0.00 0.00 M5 12,635,000.00 5.12000% 12,635,000.00 57,503.29 0.00 0.00 C 12,634,766.24 0.00000% 12,634,766.24 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R-1 0.00 0.00000% 0.00 0.00 0.00 0.00 R-2 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 561,576,866.24 815,728.98 0.00 0.00 Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance <s> <c> <c> <c> <c> <c> 1 A-1 0.00 0.00 383,318.84 0.00 290,987,615.88 2 A-1 0.00 0.00 45,039.91 0.00 40,023,012.01 2 A-2 0.00 0.00 160,175.82 0.00 122,168,000.00 M1 0.00 0.00 57,429.81 0.00 36,502,000.00 M2 0.00 0.00 67,458.11 0.00 26,675,000.00 M3 0.00 0.00 23,736.96 0.00 8,424,000.00 M4 0.00 0.00 21,066.24 0.00 5,616,000.00 M5 0.00 0.00 57,503.29 0.00 12,635,000.00 C 0.00 0.00 2,385,758.63 0.00 12,634,766.24 P 0.00 0.00 36,677.88 0.00 100.00 R-1 0.00 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 3,238,165.49 0.00 <FN> (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description. </FN> Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall <s> <c> <c> <c> <c> <c> <c> 1 A-1 294,422,000.00 1.47000% 996.38021785 1.30193681 0.00000000 0.00000000 2 A-1 42,500,000.00 1.25000% 953.78628588 1.05976259 0.00000000 0.00000000 2 A-2 122,168,000.00 1.47500% 1000.00000000 1.31111109 0.00000000 0.00000000 M1 36,502,000.00 1.77000% 1000.00000000 1.57333324 0.00000000 0.00000000 M2 26,675,000.00 2.84500% 1000.00000000 2.52888885 0.00000000 0.00000000 M3 8,424,000.00 3.17000% 1000.00000000 2.81777778 0.00000000 0.00000000 M4 5,616,000.00 4.22000% 1000.00000000 3.75111111 0.00000000 0.00000000 M5 12,635,000.00 5.12000% 1000.00000000 4.55111120 0.00000000 0.00000000 C 12,634,766.24 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R-1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 <FN> (5) All Classes are per $1,000 denomination. </FN> Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance <s> <c> <c> <c> <c> <c> 1 A-1 0.00000000 0.00000000 1.30193681 0.00000000 988.33516476 2 A-1 0.00000000 0.00000000 1.05976259 0.00000000 941.71792965 2 A-2 0.00000000 0.00000000 1.31111109 0.00000000 1000.00000000 M1 0.00000000 0.00000000 1.57333324 0.00000000 1000.00000000 M2 0.00000000 0.00000000 2.52888885 0.00000000 1000.00000000 M3 0.00000000 0.00000000 2.81777778 0.00000000 1000.00000000 M4 0.00000000 0.00000000 3.75111111 0.00000000 1000.00000000 M5 0.00000000 0.00000000 4.55111120 0.00000000 1000.00000000 C 0.00000000 0.00000000 188.82491252 0.00000000 1000.00000000 P 0.00000000 0.00000000 366778.80000000 0.00000000 1000.00000000 R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 <FN> (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description. </FN> CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT <s> <c> Beginning Balance 0.00 Deposits Payments of Interest and Principal 6,320,415.89 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 36,677.88 Total Deposits 6,357,093.77 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 237,382.52 Payment of Interest and Principal 6,119,711.25 Total Withdrawals (Pool Distribution Amount) 6,357,093.77 Ending Balance 0.00 PREPAYMENT/CURTAILMENT INTEREST SHORTFALL <s> <c> Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00 SERVICING FEES <s> <c> Gross Servicing Fee 228,073.36 Master Servicing 4,654.58 Trust Administration 4,654.58 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 237,382.52 OTHER ACCOUNTS Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance <s> <c> <c> <c> <c> Reserve Fund 1,000.00 0.00 0.00 1,000.00 LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total <s> <c> <c> <c> <c> <c> No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 21 0 0 0 21 4,145,914.47 0.00 0.00 0.00 4,145,914.47 60 Days 7 0 0 0 7 984,769.16 0.00 0.00 0.00 984,769.16 90 Days 0 5 4 0 9 0.00 1,012,754.70 409,337.17 0.00 1,422,091.87 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 28 5 4 0 37 5,130,683.63 1,012,754.70 409,337.17 0.00 6,552,775.50 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.730943% 0.000000% 0.000000% 0.000000% 0.730943% 0.745568% 0.000000% 0.000000% 0.000000% 0.745568% 60 Days 0.243648% 0.000000% 0.000000% 0.000000% 0.243648% 0.177093% 0.000000% 0.000000% 0.000000% 0.177093% 90 Days 0.000000% 0.174034% 0.139227% 0.000000% 0.313261% 0.000000% 0.182126% 0.073612% 0.000000% 0.255738% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.974591% 0.174034% 0.139227% 0.000000% 1.287852% 0.922661% 0.182126% 0.073612% 0.000000% 1.178399% OTHER INFORMATION <s> <c> Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 0.00 COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 7.388264% Weighted Average Net Coupon 6.898264% Weighted Average Pass-Through Rate 6.878264% Weighted Average Maturity(Stepdown Calculation ) 353 Beginning Scheduled Collateral Loan Count 2,887 Number Of Loans Paid In Full 14 Ending Scheduled Collateral Loan Count 2,873 Beginning Scheduled Collateral Balance 558,547,039.89 Ending Scheduled Collateral Balance 555,665,494.13 Ending Actual Collateral Balance at 30-Sep-2003 556,074,366.73 Monthly P &I Constant 3,898,336.36 Special Servicing Fee 0.00 Prepayment Penalties 36,677.88 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans 555,665,494.13 Scheduled Principal 459,425.63 Unscheduled Principal 2,422,120.13 Miscellaneous Reporting Excess Cash Amount 2,385,758.63 Overcollateralization Deficiency Amount 0.00 Extra Principal Amount 0.00 Overcollateralization Release Amount 0.00 Overcollateralization Amount 12,634,766.24 Target Overcollateralization Amount 12,634,766.24 Group 1 Credit Enhancement 18.443968% Group 2 Credit Enhancement 18.348816% Step Down Date NO Trigger Event NO Group Level Collateral Statement Group Group 1 Group 2 Group 3 Collateral Description Mixed Fixed Mixed ARM Mixed Fixed Weighted Average Coupon Rate 7.054351 7.575746 6.806489 Weighted Average Net Rate 6.564351 7.085746 6.316489 Weighted Average Maturity 349 356 341 Beginning Loan Count 580 1,447 237 Loans Paid In Full 2 9 0 Ending Loan Count 578 1,438 237 Beginning Scheduled Balance 105,489,739.46 253,592,846.70 65,084,248.72 Ending scheduled Balance 105,049,309.16 251,664,636.38 65,014,187.63 Record Date 09/30/2003 09/30/2003 09/30/2003 Principal And Interest Constant 716,200.38 1,795,382.07 435,162.81 Scheduled Principal 96,065.66 194,419.61 66,000.13 Unscheduled Principal 344,364.64 1,733,790.71 4,060.96 Scheduled Interest 620,134.72 1,600,962.46 369,162.68 Servicing Fees 43,074.98 103,550.42 26,576.05 Master Servicing Fees 879.07 2,113.27 542.38 Trustee Fee 0.00 0.00 0.00 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 879.07 2,113.27 542.38 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 577,059.81 1,497,412.03 342,586.69 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.00 0.00 0.00 Prepayment Penalties 30,184.20 0.00 6,493.68 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 6.544351 7.065746 6.296489 Group Level Collateral Statement Group Group 4 Total Collateral Description Mixed ARM Mixed Fixed & Arm Weighted Average Coupon Rate 7.578356 7.388264 Weighted Average Net Rate 7.088356 6.898264 Weighted Average Maturity 356 353 Beginning Loan Count 623 2,887 Loans Paid In Full 3 14 Ending Loan Count 620 2,873 Beginning Scheduled Balance 134,380,205.01 558,547,039.89 Ending scheduled Balance 133,937,360.96 555,665,494.13 Record Date 09/30/2003 09/30/2003 Principal And Interest Constant 951,591.10 3,898,336.36 Scheduled Principal 102,940.23 459,425.63 Unscheduled Principal 339,903.82 2,422,120.13 Scheduled Interest 848,650.87 3,438,910.73 Servicing Fees 54,871.91 228,073.36 Master Servicing Fees 1,119.86 4,654.58 Trustee Fee 0.00 0.00 FRY Amount 0.00 0.00 Special Hazard Fee 0.00 0.00 Other Fee 1,119.86 4,654.58 Pool Insurance Fee 0.00 0.00 Spread Fee 1 0.00 0.00 Spread Fee 2 0.00 0.00 Spread Fee 3 0.00 0.00 Net Interest 793,779.04 3,210,837.57 Realized Loss Amount 0.00 0.00 Cumulative Realized Loss 0.00 0.00 Percentage of Cumulative Losses 0.00 0.00 Prepayment Penalties 0.00 36,677.88 Special Servicing Fee 0.00 0.00 Pass-Through Rate 7.068356 6.878264