8-K 1 sam02ar4_apr.txt APRIL 8-K 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): April 19, 2004 STRUCTURED ASSET MORTGAGE INVESTMENTS INC. Mortgage Pass-Through Certificates, Series 2002-AR4 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-68542-14 80-0066646 Pooling and Servicing Agreement) (Commission 80-0066647 (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 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 April 19, 2004 a distribution was made to holders of STRUCTURED ASSET MORTGAGE INVESTMENTS INC., Mortgage Pass-Through Certificates, Series 2002-AR4 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 Mortgage Pass-Through Certificates, Series 2002-AR4 Trust, relating to the April 19, 2004 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. STRUCTURED ASSET MORTGAGE INVESTMENTS INC. Mortgage Pass-Through Certificates, Series 2002-AR4 Trust By: Wells Fargo Bank, N.A. as Master Servicer By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 4/21/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2002-AR4 Trust, relating to the April 19, 2004 distribution. EX-99.1

Structured Asset Mortgage Investments Inc. Mortgage Pass-Through Certificates Record Date: 103/31/0304 Distribution Date: 114/19/0304 SAM Series: 2002-AR4 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 A-1 86358HQR3 SEN 1.~~54000~~51000% ~~421~~399,~~221~~130,~~446~~267.7800 ~~540~~502,~~567~~238.5292 5,~~536~~446,~~380~~065.1208 A-2 86358HQT9 SEN 1.~~67000~~64000% 22,249,999.93 30,~~964~~408.5833 0.00 R-I 86358HQU6 RES 3.~~46637~~46671% 0.00 0.00 0.00 R-II 86358HQV4 RES 3.~~46637~~46671% 0.00 0.00 0.00 X 86358HQS1 SEN 1.~~28021~~33732% 0.00 ~~488~~486,~~848~~036.9640 0.00 B-1 86358HQW2 SUB 1.~~97000~~94000% 6,999,999.98 11,~~491~~316.67 0.00 B-2 86358HQX0 SUB 2.~~12000~~09000% 4,749,999.99 8,~~391~~272.6792 0.00 B-3 86358HQY8 SUB 2.~~12000~~09000% 2,999,999.99 5,~~300~~225.00 0.00 B-4 86358HQZ5 SUB 2.~~84290~~87116% 1,749,999.99 4,~~145~~187.8910 0.00 B-5 86358HRB7 SUB 2.~~84290~~87116% 1,000,000.00 2,~~369~~392.0863 0.00 B-6 86358HRD3 SUB 2.~~84290~~87116% 2,749,999.99 6,~~514~~579.9873 0.00 Totals ~~463~~441,~~721~~630,~~446~~266.6587 1,~~098~~056,~~594~~657.3570 5,~~536~~446,~~380~~065.1208

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1 0.00 ~~415~~393,~~685~~684,~~066~~201.6692 65,~~076~~948,~~947~~304.6400 0.00 A-2 0.00 22,249,999.93 30,~~964~~408.5833 0.00 R-I 0.00 0.00 0.00 0.00 R-II 0.00 0.00 0.00 0.00 X 0.00 0.00 ~~488~~486,~~848~~036.9640 0.00 B-1 0.00 6,999,999.98 11,~~491~~316.67 0.00 B-2 0.00 4,749,999.99 8,~~391~~272.6792 0.00 B-3 0.00 2,999,999.99 5,~~300~~225.00 0.00 B-4 0.00 1,749,999.99 4,~~145~~187.8910 0.00 B-5 0.00 1,000,000.00 2,~~369~~392.0863 0.00 B-6 0.00 2,749,999.99 6,~~514~~579.9873 0.00 Totals 0.00 ~~458~~436,~~185~~184,~~066~~201.5379 6,~~634~~502,~~974~~722.4778 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) A-1 457,500,000.00 ~~421~~399,~~221~~130,~~446~~267.7800 0.00 5,~~536~~446,~~380~~065.1208 0.00 0.00 A-2 22,250,000.00 22,249,999.93 0.00 0.00 0.00 0.00 R-I 50.00 0.00 0.00 0.00 0.00 0.00 R-II 50.00 0.00 0.00 0.00 0.00 0.00 X 0.00 0.00 0.00 0.00 0.00 0.00 B-1 7,000,000.00 6,999,999.98 0.00 0.00 0.00 0.00 B-2 4,750,000.00 4,749,999.99 0.00 0.00 0.00 0.00 B-3 3,000,000.00 2,999,999.99 0.00 0.00 0.00 0.00 B-4 1,750,000.00 1,749,999.99 0.00 0.00 0.00 0.00 B-5 1,000,000.00 1,000,000.00 0.00 0.00 0.00 0.00 B-6 2,750,000.00 2,749,999.99 0.00 0.00 0.00 0.00 Totals 500,000,100.00 ~~463~~441,~~721~~630,~~446~~266.6587 0.00 5,~~536~~446,~~380~~065.1208 0.00 0.00 (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.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution A-1 5,~~536~~446,~~380~~065.1208 ~~415~~393,~~685~~684,~~066~~201.6692 0.~~90860124~~86051192 5,~~536~~446,~~380~~065.1208 A-2 0.00 22,249,999.93 1.00000000 0.00 R-I 0.00 0.00 0.00000000 0.00 R-II 0.00 0.00 0.00000000 0.00 X 0.00 0.00 0.00000000 0.00 B-1 0.00 6,999,999.98 1.00000000 0.00 B-2 0.00 4,749,999.99 1.00000000 0.00 B-3 0.00 2,999,999.99 1.00000000 0.00 B-4 0.00 1,749,999.99 0.99999999 0.00 B-5 0.00 1,000,000.00 1.00000000 0.00 B-6 0.00 2,749,999.99 1.00000000 0.00 Totals 5,~~536~~446,~~380~~065.1208 ~~458~~436,~~185~~184,~~066~~201.5379 0.~~91636995~~87236823 5,~~536~~446,~~380~~065.1208

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1 457,500,000.00 ~~920~~872.~~70261591~~41588415 0.00000000 1211.~~10137731~~90396739 0.00000000 A-2 22,250,000.00 999.99999685 0.00000000 0.00000000 0.00000000 R-I 50.00 0.00000000 0.00000000 0.00000000 0.00000000 R-II 50.00 0.00000000 0.00000000 0.00000000 0.00000000 X 0.00 0.00000000 0.00000000 0.00000000 0.00000000 B-1 7,000,000.00 999.99999714 0.00000000 0.00000000 0.00000000 B-2 4,750,000.00 999.99999789 0.00000000 0.00000000 0.00000000 B-3 3,000,000.00 999.99999667 0.00000000 0.00000000 0.00000000 B-4 1,750,000.00 999.99999429 0.00000000 0.00000000 0.00000000 B-5 1,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B-6 2,750,000.00 999.99999636 0.00000000 0.00000000 0.00000000 (2) All classes are per $1,000 denomination.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A-1 0.00000000 1211.~~10137731~~90396739 ~~908~~860.~~60123860~~51191677 0.~~90860124~~86051192 1211.~~10137731~~90396739 A-2 0.00000000 0.00000000 999.99999685 1.00000000 0.00000000 R-I 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 0.00000000 999.99999714 1.00000000 0.00000000 B-2 0.00000000 0.00000000 999.99999789 1.00000000 0.00000000 B-3 0.00000000 0.00000000 999.99999667 1.00000000 0.00000000 B-4 0.00000000 0.00000000 999.99999429 0.99999999 0.00000000 B-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B-6 0.00000000 0.00000000 999.99999636 1.00000000 0.00000000 (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.

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 A-1 457,500,000.00 1.~~54000~~51000% ~~421~~399,~~221~~130,~~446~~267.7800 ~~540~~502,~~567~~238.5292 0.00 0.00 A-2 22,250,000.00 1.~~67000~~64000% 22,249,999.93 30,~~964~~408.5833 0.00 0.00 R-I 50.00 3.~~46637~~46671% 0.00 0.00 0.00 0.00 R-II 50.00 3.~~46637~~46671% 0.00 0.00 0.00 0.00 X 0.00 1.~~28021~~33732% ~~458~~436,~~221~~130,~~446~~266.6789 ~~488~~486,~~848~~036.9640 0.00 0.00 B-1 7,000,000.00 1.~~97000~~94000% 6,999,999.98 11,~~491~~316.67 0.00 0.00 B-2 4,750,000.00 2.~~12000~~09000% 4,749,999.99 8,~~391~~272.6792 0.00 0.00 B-3 3,000,000.00 2.~~12000~~09000% 2,999,999.99 5,~~300~~225.00 0.00 0.00 B-4 1,750,000.00 2.~~84290~~87116% 1,749,999.99 4,~~145~~187.8910 0.00 0.00 B-5 1,000,000.00 2.~~84290~~87116% 1,000,000.00 2,~~369~~392.0863 0.00 0.00 B-6 2,750,000.00 2.~~84290~~87116% 2,749,999.99 6,~~514~~579.9873 0.00 0.00 Totals 500,000,100.00 1,~~098~~056,~~594~~657.3570 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 A-1 0.00 0.00 ~~540~~502,~~567~~238.5292 0.00 ~~415~~393,~~685~~684,~~066~~201.6692 A-2 0.00 0.00 30,~~964~~408.5833 0.00 22,249,999.93 R-I 0.00 0.00 0.00 0.00 0.00 R-II 0.00 0.00 0.00 0.00 0.00 X 0.00 0.00 ~~488~~486,~~848~~036.9640 0.00 ~~452~~430,~~685~~684,~~066~~201.5581 B-1 0.00 0.00 11,~~491~~316.67 0.00 6,999,999.98 B-2 0.00 0.00 8,~~391~~272.6792 0.00 4,749,999.99 B-3 0.00 0.00 5,~~300~~225.00 0.00 2,999,999.99 B-4 0.00 0.00 4,~~145~~187.8910 0.00 1,749,999.99 B-5 0.00 0.00 2,~~369~~392.0863 0.00 1,000,000.00 B-6 0.00 0.00 6,~~514~~579.9873 0.00 2,749,999.99 Totals 0.00 0.00 1,~~098~~056,~~594~~657.3570 0.00 (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.

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 A-1 457,500,000.00 1.~~54000~~51000% ~~920~~872.~~70261591~~41588415 1.~~18156835~~09778999 0.00000000 0.00000000 A-2 22,250,000.00 1.~~67000~~64000% 999.99999685 1.~~39166652~~36666652 0.00000000 0.00000000 R-I 50.00 3.~~46637~~46671% 0.00000000 0.00000000 0.00000000 0.00000000 R-II 50.00 3.~~46637~~46671% 0.00000000 0.00000000 0.00000000 0.00000000 X 0.00 1.~~28021~~33732% ~~926~~881.~~63588811~~96211707 0.~~98857221~~98288453 0.00000000 0.00000000 B-1 7,000,000.00 1.~~97000~~94000% 999.99999714 1.~~64166714~~61666714 0.00000000 0.00000000 B-2 4,750,000.00 2.~~12000~~09000% 999.99999789 1.~~76666737~~74166737 0.00000000 0.00000000 B-3 3,000,000.00 2.~~12000~~09000% 999.99999667 1.~~76666667~~74166667 0.00000000 0.00000000 B-4 1,750,000.00 2.~~84290~~87116% 999.99999429 2.~~36908000~~39262857 0.00000000 0.00000000 B-5 1,000,000.00 2.~~84290~~87116% 1000.00000000 2.~~36908000~~39263000 0.00000000 0.00000000 B-6 2,750,000.00 2.~~84290~~87116% 999.99999636 2.~~36908364~~39262909 0.00000000 0.00000000 (5) All classes are per $1,000 denomination.

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance A-1 0.00000000 0.00000000 1.~~18156835~~09778999 0.00000000 ~~908~~860.~~60123860~~51191677 A-2 0.00000000 0.00000000 1.~~39166652~~36666652 0.00000000 999.99999685 R-I 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X 0.00000000 0.00000000 0.~~98857221~~98288453 0.00000000 ~~915~~870.~~43997280~~94884087 B-1 0.00000000 0.00000000 1.~~64166714~~61666714 0.00000000 999.99999714 B-2 0.00000000 0.00000000 1.~~76666737~~74166737 0.00000000 999.99999789 B-3 0.00000000 0.00000000 1.~~76666667~~74166667 0.00000000 999.99999667 B-4 0.00000000 0.00000000 2.~~36908000~~39262857 0.00000000 999.99999429 B-5 0.00000000 0.00000000 2.~~36908000~~39263000 0.00000000 1000.00000000 B-6 0.00000000 0.00000000 2.~~36908364~~39262909 0.00000000 999.99999636 (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.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 6,~~784~~647,~~954~~947.7103 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 1013,~~329~~579.0589 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 6,~~795~~661,~~283~~526.7692 Withdrawals Reimbursement for Servicer Advances 1520,~~396~~794.3670 Payment of Service Fee ~~144~~138,~~912~~009.9344 Payment of Interest and Principal 6,~~634~~502,~~974~~722.4778 Total Withdrawals (Pool Distribution Amount) 6,~~795~~661,~~283~~526.7692 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 1918,~~321~~401.7226 Additional Servicing Fee ~~125~~119,~~591~~608.2118 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~144~~138,~~912~~009.9344

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total 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 1 0 0 1 ~~429~~760,~~236~~000.1500 0.00 0.00 ~~429~~760,~~236~~000.1500 30 Days 1013 0 0 0 1013 23,~~076~~131,~~405~~626.2489 0.00 0.00 0.00 23,~~076~~131,~~405~~626.2489 60 Days 31 0 0 0 31 ~~787~~84,~~996~~988.1449 0.00 0.00 0.00 ~~787~~84,~~996~~988.1449 90 Days 1 0 0 0 1 61,856.00 0.00 0.00 0.00 61,856.00 120 Days 0 01 0 0 01 0.00 0139,880.00 0.00 0.00 0139,880.00 150 Days 1 0 0 1 0 1 0118,092.0014 0.00 ~~400,000~~0.00 0.00 ~~400~~118,~~000~~092.0014 180+ Days 0 2 1 0 03 1 0.00 ~~562~~975,~~500~~904.00 0562,500.00 0.00 ~~562~~1,~~500~~538,404.00 Totals 1416 24 1 0 1721 23,~~926~~396,~~257~~563.3852 ~~991~~1,~~736~~875,784.1500 ~~400~~562,~~000~~500.00 0.00 45,~~317~~834,~~993~~847.5352 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.~~061690~~064185% 0.000000% 0.000000% 0.~~061690~~064185% 0.~~093683~~174238% 0.000000% 0.000000% 0.~~093683~~174238% 30 Days 0.~~616903~~834403% 0.000000% 0.000000% 0.000000% 0.~~616903~~834403% 0.~~453185~~717960% 0.000000% 0.000000% 0.000000% 0.~~453185~~717960% 60 Days 0.~~185071~~064185% 0.000000% 0.000000% 0.000000% 0.~~185071~~064185% 0.~~171984~~019485% 0.000000% 0.000000% 0.000000% 0.~~171984~~019485% 90 Days 0.~~061690~~064185% 0.000000% 0.000000% 0.000000% 0.~~061690~~064185% 0.~~013500~~014181% 0.000000% 0.000000% 0.000000% 0.~~013500~~014181% 120 Days 0.000000% 0.~~000000~~064185% 0.000000% 0.000000% 0.~~000000~~064185% 0.000000% 0.~~000000~~032069% 0.000000% 0.000000% 0.~~000000~~032069% 150 Days 0.~~000000~~064185% 0.000000% 0.~~061690~~000000% 0.000000% 0.~~061690~~064185% 0.~~000000~~027074% 0.000000% 0.~~087302~~000000% 0.000000% 0.~~087302~~027074% 180+ Days 0.000000% 0.~~061690~~128370% 0.~~000000~~064185% 0.000000% 0.~~061690~~192555% 0.000000% 0.~~122768~~223737% 0.~~000000~~128959% 0.000000% 0.~~122768~~352696% Totals 01.~~863664~~026958% 0.~~123381~~256739% 0.~~061690~~064185% 0.000000% 1.~~048735~~347882% 0.~~638669~~778700% 0.~~216451~~430044% 0.~~087302~~128959% 0.000000% 01.~~942421~~337704%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 1013,~~329~~579.0589

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 3.~~217899~~246156% Weighted Average Net Coupon 3.~~167899~~196156% Weighted Average Pass-Through Rate 2.~~842899~~871156% Weighted Average Maturity(Stepdown Calculation ) ~~348~~343 Beginning Scheduled Collateral Loan Count 1,~~641~~574 Number Of Loans Paid In Full 2016 Ending Scheduled Collateral Loan Count 1,~~621~~558 Beginning Scheduled Collateral Balance ~~463~~441,~~721~~630,~~446~~266.6587 Ending Scheduled Collateral Balance ~~458~~436,~~185~~184,~~066~~201.5379 Ending Actual Collateral Balance at 31-~~Oct~~Mar-~~2003~~2004 ~~458~~436,~~180~~183,~~934~~760.7199 Monthly P &I Constant 1,~~243~~194,~~507~~667.3116 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans ~~458~~436,~~185~~184,~~066~~201.5379 Scheduled Principal 0.00 Unscheduled Principal 5,~~536~~446,~~380~~065.1208

Miscellaneous Reporting Average Loss Severity for Prior Month 0.00 Senior Percentage 90.~~835015~~376565% Senior Prepayment Percentage 100.000000% Subordinate Percentage 9.~~164985~~623435% Subordinate Prepayment Percentage 0.000000%

Filing Compare · STRUCTURED ASSET MORT INV INC MORT PASS THR CRT SR 2002-AR4