8-K 1 cw02j3_edgar0210.txt 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 25, 2002 CW (Depositor) (Issuer in respect of Mortgage Pass-Through Certificates, Series 2002-J3) (Exact name of registrant as specified in charter) Delaware 33-63714 95-4449516 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) 155 N. Lake Avenue, Pasadena, CA 91110-7137 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (818)-304-4428 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events CW Mortgage Pass-Through Certificates Series 2002-J3 On October 25, 2002, The Bank of New York, as Trustee for CW, Mortgage Pass-Through Certificates Series 2002-J3, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of August 1, 2002, among CW as Depositor, Countrywide Home Loans, 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 CW, Mortgage Pass-Through Certificates Series 2002-J3 relating to the distribution date of October 25, 2002 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 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: October 25, 2002 CW By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated October 25, 2002 Payment Date: 10/25/02 ------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Series 2002-J3 ------------------------------------------------------------

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 1A1 ~~111~~109,~~500~~525,~~000~~926.0003 6.250000% 15,~~974~~536,~~073~~253.9796 ~~580~~570,~~729~~447.1753 26,~~554~~106,~~803~~701.1449 0.00 0.00 1A2 1716,~~004~~918,~~000~~479.0017 6.250000% 85,~~520~~966.8325 88,~~562~~117.5008 174,083.33 0.00 0.00 1A3 19,910,000.00 6.250000% 0.00 103,697.92 103,697.92 0.00 0.00 1A4 16,~~180~~264,~~000~~270.0083 6.250000% 0.00 0.00 0.00 0.00 0.00 1A5 ~~240~~241,~~000~~250.00 6.250000% 0.00 0.00 0.00 0.00 0.00 1A6 19,~~790~~712,~~000~~695.0035 2.~~210000~~213750% 7790,~~304~~231.6538 36,~~446~~365.5882 ~~113~~126,~~751~~597.2419 0.00 0.00 1A7 19,~~790~~712,~~000~~695.0035 6.~~290000~~286250% 0.00 103,~~732~~265.5878 103,~~732~~265.5878 0.00 0.00 1A8 35,~~622~~482,~~000~~851.0062 5.000000% ~~139~~162,~~148~~416.3848 ~~148~~147,~~425~~845.0022 ~~287~~310,~~573~~261.3869 0.00 0.00 1A9 29,~~744~~709,~~000~~199.0019 6.250000% 3452,~~800~~566.8115 154,~~916~~735.6741 ~~189~~207,~~717~~301.4856 0.00 0.00 1A10 3129,~~650~~673,~~000~~560.0005 6.250000% 15,~~976~~942,~~439~~312.9505 ~~164~~154,~~843~~549.7579 26,~~141~~096,~~283~~861.7084 0.00 0.00 1A11 9,019,000.00 6.250000% 0.00 46,973.96 46,973.96 0.00 0.00 1A12 12,~~467~~306,~~653~~047.0039 6.500000% 0.00 6766,~~533~~657.1276 6766,~~533~~657.1276 0.00 0.00 1A13 33,000,000.00 6.250000% 0.00 171,875.00 171,875.00 0.00 0.00 1A14 500,000.00 6.250000% 0.00 2,604.17 2,604.17 0.00 0.00 1X ~~182~~179,~~678~~628,~~021~~537.0010 0.~~231317~~227243% 0.00 3534,~~213~~016.7513 3534,~~213~~016.7513 0.00 0.00 2A1 69,~~867~~708,~~000~~533.0015 5.000000% ~~158~~190,~~466~~792.8551 ~~291~~290,~~112~~452.5022 ~~449~~481,~~579~~244.3573 0.00 0.00 2A2 16,000,000.00 6.250000% 0.00 83,333.33 83,333.33 0.00 0.00 2A3 20,~~911~~781,~~000~~959.0027 6.250000% ~~129~~2,~~040~~682,839.7305 108,~~911~~239.4637 ~~237~~2,~~952~~791,078.1942 0.00 0.00 2A4 25,000,000.00 6.250000% 0.00 130,208.33 130,208.33 0.00 0.00 2A5 7,850,000.00 6.250000% 0.00 40,885.42 40,885.42 0.00 0.00 2A6 2,500,000.00 6.250000% 0.00 13,020.83 13,020.83 0.00 0.00 2A7 2,245,000.00 6.250000% 0.00 11,692.71 11,692.71 0.00 0.00 2A8 54,~~000~~969,~~000~~145.0025 3.~~360000~~370000% 30641,~~854~~489.7590 1413,~~000~~955.0002 44655,~~854~~444.7591 0.00 0.00 2A9 54,~~000~~969,~~000~~145.0025 9.~~140000~~130000% 30641,~~854~~489.7590 3837,~~083~~806.3391 68679,~~938~~296.0881 0.00 0.00 2A10 2524,~~000~~943,~~000~~296.0096 4.000000% 5668,~~703~~269.0489 83,~~333~~144.3332 ~~140~~151,~~036~~414.3722 0.00 0.00 2A11 500,000.00 6.250000% 0.00 2,604.17 2,604.17 0.00 0.00 2A12 650,000.00 6.250000% 0.00 3,385.42 3,385.42 0.00 0.00 2A13 22,~~973~~921,~~400~~293.0054 6.250000% 0.00 119,~~653~~381.1374 119,~~653~~381.1374 0.00 0.00 2A14 20,000,000.00 6.250000% 0.00 104,166.67 104,166.67 0.00 0.00 3A1 ~~148~~145,~~163~~994,~~000~~746.0012 5.750000% 24,~~168~~949,~~253~~120.8821 ~~709~~699,~~947~~558.7116 25,~~878~~648,~~201~~678.5937 0.00 0.00 PO 2,~~847~~612,~~852~~153.1826 0.000000% ~~235~~25,~~698~~817.9210 0.00 ~~235~~25,~~698~~817.9210 0.00 0.00 Residual AR ~~100~~0.00 6.500000% ~~100~~0.00 0.7734 ~~100~~0.7734 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 9,~~027~~017,~~800~~388.0071 6.~~260867~~261014% 1018,~~411~~611.2983 47,~~101~~048.5533 5765,~~512~~660.8416 0.00 0.00 B1 3,~~473~~468,~~000~~994.0077 6.~~260867~~261014% 47,~~005~~159.2398 18,~~119~~099.9952 2225,~~125~~259.2250 0.00 0.00 B2 2,~~778~~774,~~000~~796.0028 6.~~260867~~261014% 35,~~203~~727.7216 14,~~493~~477.9153 1720,~~697~~204.6369 0.00 0.00 B3 1,~~042~~040,~~000~~798.0032 6.~~260867~~261014% 12,~~201~~148.6820 5,~~436~~430.5238 67,~~638~~578.2058 0.00 0.00 B4 1,~~042~~040,~~000~~798.0032 6.~~260867~~261014% 12,~~201~~148.6820 5,~~436~~430.5238 67,~~638~~578.2058 0.00 0.00 B5 1,~~388~~387,~~937~~335.7192 6.~~260867~~261014% 12,~~601~~863.7945 7,~~246~~238.6344 810,~~848~~101.4289 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~694~~687,~~444~~411,~~689~~323.8982 - 721,~~118~~108,~~886~~223.9165 3,~~557~~520,~~728~~711.3809 1024,~~676~~628,~~615~~934.2974 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~109~~103,~~525~~989,~~926~~672.0307 0.00 1A2 16,~~918~~832,~~479~~512.1791 0.00 1A3 19,910,000.00 0.00 1A4 16,~~264~~348,~~270~~980.8358 0.00 1A5 ~~241~~242,~~250~~506.0051 0.00 1A6 19,~~712~~622,~~695~~463.3597 0.00 1A7 19,~~712~~622,~~695~~463.3597 0.00 1A8 35,~~482~~320,~~851~~435.6215 0.00 1A9 29,~~709~~656,~~199~~633.1904 0.00 1A10 2923,~~673~~731,~~560~~248.0500 0.00 1A11 9,019,000.00 0.00 1A12 1211,~~306~~852,~~047~~825.3909 0.00 1A13 33,000,000.00 0.00 1A14 500,000.00 0.00 1X ~~179~~169,~~628~~818,~~537~~543.1034 0.00 2A1 69,~~708~~517,~~533~~740.1564 0.00 2A2 16,000,000.00 0.00 2A3 2018,~~781~~099,~~959~~120.2722 0.00 2A4 25,000,000.00 0.00 2A5 7,850,000.00 0.00 2A6 2,500,000.00 0.00 2A7 2,245,000.00 0.00 2A8 4,~~969~~327,~~145~~655.2535 0.00 2A9 4,~~969~~327,~~145~~655.2535 0.00 2A10 24,~~943~~875,~~296~~027.9607 0.00 2A11 500,000.00 0.00 2A12 650,000.00 0.00 2A13 22,~~921~~858,~~293~~557.5487 0.00 2A14 20,000,000.00 0.00 3A1 ~~145~~141,~~994~~045,~~746~~625.1291 0.00 PO 2,~~612~~586,~~153~~336.2617 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 98,~~017~~998,~~388~~776.7188 0.00 B1 3,~~468~~461,~~994~~834.7779 0.00 B2 2,~~774~~769,~~796~~069.2812 0.00 B3 1,~~040~~038,~~798~~650.3211 0.00 B4 1,~~040~~038,~~798~~650.3211 0.00 B5 1,~~387~~384,~~335~~472.9247 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~687~~666,~~411~~389,~~323~~066.8242 - --------------------------------------------------------------------------------

Payment Date: 10/25/02 ------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Series 2002-J3 ------------------------------------------------------------

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 1A1 ~~111~~109,~~500~~525,~~000~~926.0003 6.250000% 12669C4D9 1749.~~704699~~652502 5.~~208333~~116121 ~~982~~932.~~295301~~642799 1A2 1716,~~004~~918,~~000~~479.0017 6.250000% 12669C4E7 5.~~029454~~055649 5.~~208333~~182138 ~~994~~989.~~970546~~914897 1A3 19,910,000.00 6.250000% 12669C4F4 0.000000 5.208333 1,000.000000 1A4 16,~~180~~264,~~000~~270.0083 6.250000% 12669C4G2 0.000000 0.000000 1,~~005~~010.~~208333~~443793 1A5 ~~240~~241,~~000~~250.00 6.250000% 12669C4H0 0.000000 0.000000 1,~~005~~010.~~208333~~443793 1A6 19,~~790~~712,~~000~~695.0035 2.~~210000~~213750% 12669C4J6 34.~~906248~~559443 1.~~841667~~837585 ~~996~~991.~~093752~~534309 1A7 19,~~790~~712,~~000~~695.0035 6.~~290000~~286250% 12669C4K3 0.000000 5.~~241667~~218079 ~~996~~991.~~093752~~534309 1A8 35,~~622~~482,~~000~~851.0062 5.000000% 12669C4L1 34.~~906248~~559443 4.~~166667~~150391 ~~996~~991.~~093752~~534309 1A9 29,~~744~~709,~~000~~199.0019 6.250000% 12669C4M9 1.~~170011~~767286 5.~~208333~~202240 ~~998~~997.~~829989~~062703 1A10 3129,~~650~~673,~~000~~560.0005 6.250000% 12669C4N7 62187.~~446760~~750776 54.~~208333~~883090 ~~937~~749.~~553240~~802465 1A11 9,019,000.00 6.250000% 12669C4P2 0.000000 5.208333 1,000.000000 1A12 12,~~467~~306,~~653~~047.0039 6.500000% 12669C4Q0 0.000000 5.~~416667~~346456 ~~987~~950.~~038009~~686154 1A13 33,000,000.00 6.250000% 12669C4R8 0.000000 5.208333 1,000.000000 1A14 500,000.00 6.250000% 12669C5V8 0.000000 5.208333 1,000.000000 1X ~~182~~179,~~678~~628,~~021~~537.0010 0.~~231317~~227243% 12669C4S6 0.000000 0.~~192764~~186208 ~~983~~929.~~306783~~605775 2A1 69,~~867~~708,~~000~~533.0015 5.000000% 12669C4T4 2.~~268122~~730796 4.~~166667~~157216 ~~997~~995.~~731878~~001083 2A2 16,000,000.00 6.250000% 12669C4U1 0.000000 5.208333 1,000.000000 2A3 20,~~911~~781,~~000~~959.0027 6.250000% 12669C4V9 6128.~~170950~~297980 5.~~208333~~176193 ~~993~~865.~~829050~~531071 2A4 25,000,000.00 6.250000% 12669C4W7 0.000000 5.208333 1,000.000000 2A5 7,850,000.00 6.250000% 12669C4X5 0.000000 5.208333 1,000.000000 2A6 2,500,000.00 6.250000% 12669C4Y3 0.000000 5.208333 1,000.000000 2A7 2,245,000.00 6.250000% 12669C4Z0 0.000000 5.208333 1,000.000000 2A8 54,~~000~~969,~~000~~145.0025 3.~~360000~~370000% 12669C5A4 6128.~~170950~~297980 2.~~800000~~791003 ~~993~~865.~~829050~~531071 2A9 54,~~000~~969,~~000~~145.0025 9.~~140000~~130000% 12669C5B2 6128.~~170950~~297980 7.~~616667~~561383 ~~993~~865.~~829050~~531071 2A10 2524,~~000~~943,~~000~~296.0096 4.000000% 12669C5C0 2.~~268122~~730796 3.~~333333~~325773 ~~997~~995.~~731878~~001083 2A11 500,000.00 6.250000% 12669C5D8 0.000000 5.208333 1,000.000000 2A12 650,000.00 6.250000% 12669C5E6 0.000000 5.208333 1,000.000000 2A13 22,~~973~~921,~~400~~293.0054 6.250000% 12669C5F3 0.000000 5.~~208333~~196520 ~~997~~995.~~731878~~001083 2A14 20,000,000.00 6.250000% 12669C5G1 0.000000 5.208333 1,000.000000 3A1 ~~148~~145,~~163~~994,~~000~~746.0012 5.750000% 12669C5H9 1433.~~634247~~403213 4.~~791667~~721544 ~~985~~951.~~365753~~962541 PO 2,~~847~~612,~~852~~153.1826 0.000000% 12669C5J5 829.~~763747~~065462 0.000000 ~~917~~908.~~236253~~170791 Residual AR ~~100~~0.00 6.500000% 12669C5K2 ~~1,000~~0.000000 73.~~723616~~424820 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 9,~~027~~017,~~800~~388.0071 6.~~260867~~261014% 12669C5L0 12.~~153248~~061614 5.~~217389~~211494 ~~998~~996.~~846752~~785139 B1 3,~~473~~468,~~000~~994.0077 6.~~260867~~261014% 12669C5M8 12.~~153248~~061614 5.~~217389~~211494 ~~998~~996.~~846752~~785139 B2 2,~~778~~774,~~000~~796.0028 6.~~260867~~261014% 12669C5N6 12.~~153248~~061614 5.~~217389~~211494 ~~998~~996.~~846752~~785139 B3 1,~~042~~040,~~000~~798.0032 6.~~260867~~261014% 12669C5S5 12.~~153248~~061614 5.~~217389~~211494 ~~998~~996.~~846752~~785139 B4 1,~~042~~040,~~000~~798.0032 6.~~260867~~261014% 12669C5T3 12.~~153248~~061614 5.~~217389~~211494 ~~998~~996.~~846752~~785139 B5 1,~~388~~387,~~937~~335.7192 6.~~260867~~261014% 12669C5U0 12.~~153248~~061614 5.~~217389~~211494 ~~998~~996.~~846752~~785139 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~694~~687,~~444~~411,~~689~~323.8982 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Series 2002-J3 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 319,252,701.81 201,712,896.72 145,423,467.89 Loan count 714 454 317 Avg loan rate 6.842684% 6.764482% 6.290740% Prepay amount 11,537,712.23 3,613,082.69 4,451,059.15 Total ----- Prin balance 666,389,066.42 Loan count 1485 Avg loan rate 6.70 Prepay amount 19,601,854.07 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 66,200.23 42,808.79 30,560.01 Sub servicer fees 249.82 519.15 36,676.83 Trustee fees 2,482.99 1,544.66 1,127.93 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 Total ----- Master serv fees 139,569.03 Sub servicer fees 37,445.81 Trustee fees 5,155.58 Agg advances N/A Adv this period 0.00 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 Cumulative losses 0.00 Coverage Amounts ---------------- Bankruptcy 68,436.98 42,138.57 31,133.45 Fraud 3,353,752.98 2,065,000.03 1,525,693.99 Special Hazard 6,874,113.24 6,874,113.24 6,874,113.24 Total ----- Bankruptcy 141,709.00 Fraud 6,944,447.00 Special Hazard 20,622,339.71 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 97.280739% 100.000000% 668,681,211.51 ----------------------------------------------------------------------------- Junior 2.719261% 0.000000% 18,691,453.47 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 290 131,836,121.88 60 to 89 days 5 2,319,584.87 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 295 134,155,706.75 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 24,628,934.74 24,628,934.74 Principal remittance amount 21,108,223.65 21,108,223.65 Interest remittance amount 3,520,711.09 3,520,711.09

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