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): July 25, 2003
BOA
(Depositor)
(Issuer in respect of Mortgage Pass-Through Certificates, Series 2002-4)
(Exact name of registrant as specified in charter)
North Carolina 333-74544-10 02-0620011/0016
(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 2002-4
On July 25, 2003, The Bank of New York, as Trustee for BOA, Mortgage
Pass-Through Certificates Series 2002-4, made a monthly distribution to
Certificate holders of principal and/or interest pursuant to the Pooling and
Servicing Agreement, dated as of April 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 2002-4 relating to the distribution date of July 25,
2003 prepared by The Bank of New York, as Trustee under the
Pooling and Servicing Agreement dated as of April 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: July 25, 2003
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 July 25, 2003
Payment Date: 07/25/03
------------------------------------------------------------
Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates, Series 2002-4
Bank of America, NA, 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 1-A-1 6,775,264.93 5.750000% 6,775,264.93 32,303.40 6,807,568.32 0.00 161.41
1-A-2 45,280,364.00 5.750000% 3,962,080.40 215,889.65 4,177,970.05 0.00 1,078.76
1-A-3 36,228,000.00 6.500000% 0.00 195,259.32 195,259.32 0.00 975.68
1-A-4 69,457.48 6.500000% 9,512.22 374.36 9,886.58 0.00 1.87
1-A-5 0.00 7.000000% 0.00 0.00 0.00 0.00 0.00
1-A-6 0.00 7.000000% 0.00 0.00 0.00 0.00 0.00
1-A-7 0.00 7.000000% 0.00 0.00 0.00 0.00 0.00
1-A-8 0.00 7.000000% 0.00 0.00 0.00 0.00 0.00
1-A-9 0.00 7.000000% 0.00 0.00 0.00 0.00 0.00
1-A-10 19,520,860.59 1.485000% 4,026,504.45 24,036.96 4,050,541.40 0.00 120.11
1-A-11 19,520,860.59 7.015000% 0.00 113,548.32 113,548.32 0.00 567.38
1-A-12 0.00 0.000000% 0.00 0.00 0.00 0.00 0.00
1-A-13 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00
Residual 1-A-R 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00
1-A-LR 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00
1-A-WIO 83,092,887.67 0.282156% 0.00 19,440.50 19,440.50 0.00 97.14
2-A-1 19,017,268.73 6.000000% 77,085.61 92,125.50 169,211.11 0.00 2,960.84
2-A-2 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
2-A-3 8,691,112.12 6.000000% 3,535,777.93 42,102.42 3,577,880.35 0.00 1,353.14
2-A-WIO 29,043,637.58 0.397268% 0.00 9,315.69 9,315.69 0.00 299.40
1-A-PO 513,836.02 0.000000% 24,321.30 0.00 24,321.30 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 3,706,424.26 6.500000% 3,515.01 19,976.65 23,491.66 0.00 99.82
1-B-2 1,778,649.11 6.500000% 1,686.79 9,586.45 11,273.24 0.00 47.90
1-B-3 1,037,956.81 6.500000% 984.35 5,594.31 6,578.67 0.00 27.95
1-B-4 592,553.84 6.500000% 561.95 3,193.71 3,755.66 0.00 15.96
1-B-5 445,402.97 6.500000% 422.40 2,400.60 2,823.01 0.00 12.00
1-B-6 593,191.52 6.500000% 562.55 3,197.15 3,759.70 0.00 15.98
2-B-1 667,506.13 6.000000% 2,705.70 3,233.61 5,939.31 0.00 103.93
2-B-2 237,715.86 6.000000% 963.57 1,151.57 2,115.14 0.00 37.01
2-B-3 143,580.38 6.000000% 582.00 695.55 1,277.54 0.00 22.35
2-B-4 95,086.34 6.000000% 385.43 460.63 846.06 0.00 14.80
2-B-5 95,086.35 6.000000% 385.43 460.63 846.06 0.00 14.80
2-B-6 96,281.94 6.000000% 390.26 466.42 856.68 0.00 14.99
- ----------------------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------------------
Totals - - 145,585,599.37 - 18,423,692.29 794,813.37 19,218,505.66 - 8,043.23
- ----------------------------------------------------------------------------------------------------------------------------------
Class Information
- --------------------------------------------------------------------------------
Ending Cert. Unpaid
Type Class Code Name Notional Bal. Interest
- --------------------------------------------------------------------------------
Senior 1-A-1 0.00 161.41
1-A-2 41,318,283.60 1,078.76
1-A-3 36,228,000.00 975.68
1-A-4 59,945.26 1.87
1-A-5 0.00 0.00
1-A-6 0.00 0.00
1-A-7 0.00 0.00
1-A-8 0.00 0.00
1-A-9 0.00 0.00
1-A-10 15,494,356.14 120.11
1-A-11 15,494,356.14 567.38
1-A-12 0.00 0.00
1-A-13 0.00 0.00
Residual 1-A-R 0.00 0.00
1-A-LR 0.00 0.00
1-A-WIO 74,303,005.10 97.14
2-A-1 18,940,183.12 2,960.84
2-A-2 0.00 0.00
2-A-3 5,155,334.20 1,353.14
2-A-WIO 25,425,361.64 299.40
1-A-PO 489,514.71 0.00
- --------------------------------------------------------------------------------
Subordinate 1-B-1 3,702,909.25 99.82
1-B-2 1,776,962.31 47.90
1-B-3 1,036,972.45 27.95
1-B-4 591,991.89 15.96
1-B-5 444,980.57 12.00
1-B-6 592,628.96 15.98
2-B-1 664,800.43 103.93
2-B-2 236,752.29 37.01
2-B-3 142,998.39 22.35
2-B-4 94,700.91 14.80
2-B-5 94,700.92 14.80
2-B-6 95,891.68 14.99
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
Totals - - 127,161,907.09 8,043.23
- --------------------------------------------------------------------------------
Payment Date: 07/25/03
------------------------------------------------------------
Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates, Series 2002-4
Bank of America, NA, 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 1-A-1 6,775,264.93 5.750000% 06050HFT0 122.465204 0.583895 0.000000
1-A-2 45,280,364.00 5.750000% 06050HFU7 87.501072 4.767843 912.498928
1-A-3 36,228,000.00 6.500000% 06050HFV5 0.000000 5.389735 1,000.000000
1-A-4 69,457.48 6.500000% 06050HFW3 50.731828 1.996573 319.708058
1-A-5 0.00 7.000000% 06050HFX1 0.000000 0.000000 0.000000
1-A-6 0.00 7.000000% 06050HFY9 0.000000 0.000000 0.000000
1-A-7 0.00 7.000000% 06050HFZ6 0.000000 0.000000 0.000000
1-A-8 0.00 7.000000% 06050HGA0 0.000000 0.000000 0.000000
1-A-9 0.00 7.000000% 06050HGB8 0.000000 0.000000 0.000000
1-A-10 19,520,860.59 1.485000% 06050HGC6 106.728425 0.637135 410.700709
1-A-11 19,520,860.59 7.015000% 06050HGD4 0.000000 3.009765 410.700709
1-A-12 0.00 0.000000% 06050HGE2 0.000000 0.000000 0.000000
1-A-13 0.00 6.500000% 06050HGF9 0.000000 0.000000 0.000000
Residual 1-A-R 0.00 6.500000% 06050HGG7 0.000000 0.000000 0.000000
1-A-LR 0.00 6.500000% 06050HGH5 0.000000 0.000000 0.000000
1-A-WIO 83,092,887.67 0.282156% 06050HGJ1 0.000000 0.084640 323.500770
2-A-1 19,017,268.73 6.000000% 06050HGK8 3.854281 4.606275 947.009156
2-A-2 0.00 6.000000% 06050HGL6 0.000000 0.000000 0.000000
2-A-3 8,691,112.12 6.000000% 06050HGM4 240.071831 2.858665 350.036271
2-A-WIO 29,043,637.58 0.397268% 06050HGN2 0.000000 0.093157 254.254204
1-A-PO 513,836.02 0.000000% 06050HGP7 31.250841 0.000000 628.985499
- ------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 3,706,424.26 6.500000% 06050HGQ5 0.936588 5.322847 986.653144
1-B-2 1,778,649.11 6.500000% 06050HGR3 0.936588 5.322847 986.653144
1-B-3 1,037,956.81 6.500000% 06050HGS1 0.936588 5.322847 986.653144
1-B-4 592,553.84 6.500000% 06050HGY8 0.936588 5.322847 986.653144
1-B-5 445,402.97 6.500000% 06050HGZ5 0.936588 5.322847 986.653144
1-B-6 593,191.52 6.500000% 06050HHA9 0.936580 5.322847 986.653217
2-B-1 667,506.13 6.000000% 06050HGT9 3.854281 4.606275 947.009156
2-B-2 237,715.86 6.000000% 06050HGU6 3.854281 4.606275 947.009156
2-B-3 143,580.38 6.000000% 06050HGV4 3.854281 4.606275 947.009182
2-B-4 95,086.34 6.000000% 06050HHB7 3.854281 4.606275 947.009148
2-B-5 95,086.35 6.000000% 06050HHC5 3.854281 4.606275 947.009244
2-B-6 96,281.94 6.000000% 06050HHD3 3.854121 4.606288 947.011934
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Totals - - 145,585,599.37 - - - - -
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------
Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates, Series 2002-4
Bank of America, NA, Master Servicer
------------------------------------------------------------
- --------------------------------------------------------------------------------
COLLATERAL INFORMATION
- --------------------------------------------------------------------------------
Total
-----
Prin balance 101,736,545.10 25,425,361.64 127,161,906.74
Loan count 223 57 280
Avg loan rate 6.926515% 6.651268% 6.87
Prepay amount 14,694,860.87 3,500,548.91 18,195,409.78
- --------------------------------------------------------------------------------
FEES AND ADVANCES
- --------------------------------------------------------------------------------
Total
-----
Master serv fees 0.00 0.00 0.00
Sub servicer fees 0.00 0.00 0.00
Trustee fees 388.47 96.81 485.29
Agg advances N/A N/A N/A
Adv this period 0.00 0.00 0.00
- --------------------------------------------------------------------------------
LOSSES & INSURANCE COVERAGES
- --------------------------------------------------------------------------------
Total
-----
Realized losses 0.00 0.00 0.00
Cumulative losses 0.00 0.00 0.00
Coverage Amounts Total
- ---------------- -----
Bankruptcy 0.00 0.00 0.00
Fraud 0.00 0.00 0.00
Special Hazard 0.00 0.00 0.00
Aggregate Certificate Information
-----------------------------------------------------------------------------
Class Aggregate Aggregate Aggregate
Type Percentage Prepay Pct. End Cert. Bal.
-----------------------------------------------------------------------------
Senior 93.490327% 100.000000% 136,096,163.87
-----------------------------------------------------------------------------
Junior 6.509673% 0.000000% 9,476,290.06
-----------------------------------------------------------------------------
- --------------------------------------------------------------------------------
DELINQUENCY INFORMATION
- --------------------------------------------------------------------------------
Period Loan Count Ending Stated Balance
- ------ ---------- ---------------------
30 to 59 days 5 2,621,915.11
60 to 89 days 1 959,267.77
90 or more 1 519,927.69
Foreclosure 0 0.00
Totals: 7 4,101,110.57
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
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 19,218,505.66 19,218,505.66
Principal remittance amount 18,423,692.29 18,423,692.29
Interest remittance amount 794,813.37 794,813.37