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): December 25, 2003
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 December 25, 2003, 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 December
25, 2003 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: December 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 December 25, 2003
Payment Date: 12/25/03
------------------------------------------------------------
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 50,311,865.56 2.995000% 1,521,833.91 125,570.03 1,647,403.94 0.00 0.00
A2 124,612,110.54 4.879000% 3,769,268.62 506,652.07 4,275,920.69 0.00 0.00
A3 27,407,355.69 4.879000% 829,018.02 111,433.74 940,451.76 0.00 0.00
A4 739,998.60 4.879000% 22,383.49 3,008.71 25,392.20 0.00 0.00
AP 340,764.16 0.000000% 568.63 0.00 568.63 0.00 0.00
Residual AR 0.00 4.412231% 0.00 0.07 0.07 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
Subordinate B1 6,464,925.49 4.412231% 98,774.25 23,770.62 122,544.87 0.00 0.00
B2 2,844,241.44 4.412231% 43,455.69 10,457.88 53,913.57 0.00 0.00
B3 2,068,703.76 4.412231% 31,606.65 7,606.33 39,212.99 0.00 0.00
B4 775,537.67 4.412231% 11,849.04 2,851.54 14,700.58 0.00 0.00
B5 776,442.62 4.412231% 11,862.86 2,854.87 14,717.73 0.00 0.00
B6 1,034,421.27 4.412231% 15,804.39 3,803.42 19,607.81 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------------------
Totals - - 217,376,366.81 - 6,356,425.55 798,009.28 7,154,434.83 - -
- ----------------------------------------------------------------------------------------------------------------------------------
Class Information
- --------------------------------------------------------------------------------
Ending Cert. Unpaid
Type Class Code Name Notional Bal. Interest
- --------------------------------------------------------------------------------
Senior A1 48,790,031.64 0.00
A2 120,842,841.92 0.00
A3 26,578,337.67 0.00
A4 717,615.12 0.00
AP 340,195.54 0.00
Residual AR 0.00 0.00
- --------------------------------------------------------------------------------
Subordinate B1 6,366,151.25 0.00
B2 2,800,785.75 0.00
B3 2,037,097.11 0.00
B4 763,688.64 0.00
B5 764,579.75 0.00
B6 1,018,616.88 0.00
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
Totals - - 211,019,941.26 -
- --------------------------------------------------------------------------------
Payment Date: 12/25/03
------------------------------------------------------------
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 50,311,865.56 2.995000% 06050HVJ4 11.053574 0.912056 354.377836
A2 124,612,110.54 4.879000% 06050HVK1 11.053574 1.485783 354.377836
A3 27,407,355.69 4.879000% 06050HVL9 11.053574 1.485783 354.377836
A4 739,998.60 4.879000% 06050HVM7 11.053574 1.485783 354.377836
AP 340,764.16 0.000000% 06050HVN5 1.587144 0.000000 949.551044
Residual AR 0.00 4.412231% 06050HVP0 0.000000 0.653958 0.000000
- ------------------------------------------------------------------------------------------------------------------------
Subordinate B1 6,464,925.49 4.412231% 06050HVQ8 13.826183 3.327355 891.118595
B2 2,844,241.44 4.412231% 06050HVR6 13.826183 3.327355 891.118595
B3 2,068,703.76 4.412231% 06050HVS4 13.826183 3.327355 891.118595
B4 775,537.67 4.412231% 06050HVT2 13.826183 3.327355 891.118595
B5 776,442.62 4.412231% 06050HVU9 13.826183 3.327355 891.118595
B6 1,034,421.27 4.412231% 06050HVV7 13.826192 3.327357 891.119218
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Totals - - 217,376,366.81 - - - - -
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------
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 211,019,940.46 211,019,940.46
Loan count 445 445
Avg loan rate 5.473771% 5.47
Prepay amount 6,079,764.70 6,079,764.70
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FEES AND ADVANCES
- --------------------------------------------------------------------------------
Total
-----
Master serv fees 185,256.29 185,256.29
Sub servicer fees 0.00 0.00
Trustee fees 543.44 543.44
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 93.667928% 100.000000% 203,412,094.55
-----------------------------------------------------------------------------
Junior 6.332072% 0.000000% 13,750,919.38
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- --------------------------------------------------------------------------------
DELINQUENCY INFORMATION
- --------------------------------------------------------------------------------
Period Loan Count Ending Stated Balance
- ------ ---------- ---------------------
30 to 59 days 5 2,310,761.77
60 to 89 days 0 0.00
90 or more 0 0.00
Foreclosure 0 0.00
Totals: 5 2,310,761.77
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
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 7,154,434.83 7,154,434.83
Principal remittance amount 6,356,425.55 6,356,425.55
Interest remittance amount 798,009.28 798,009.28