8-K 1 cw02j3_8k0212.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): December 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) , , N/A 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 December 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 December 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: December 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 December 25, 2002 Payment Date: 12/25/02 ------------------------------------------------------------ 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 ~~103~~92,~~989~~537,~~672~~892.0745 6.250000% 1113,~~451~~346,~~779~~234.6229 ~~541~~481,~~612~~968.8819 1113,~~993~~828,~~392~~202.5048 0.00 0.00 1A2 16,~~832~~746,~~512~~098.9192 6.250000% 86,~~414~~864.0007 87,~~669~~219.3427 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,~~348~~434,~~980~~131.5852 6.250000% 0.00 0.00 0.00 0.00 0.00 1A5 ~~242~~243,~~506~~769.5157 6.250000% 0.00 0.00 0.00 0.00 0.00 1A6 19,~~622~~519,~~463~~348.9734 21.~~230000~~780000% ~~103,~~115,968.6339 3628,~~465~~953.0870 ~~139~~144,~~580~~922.7109 0.00 0.00 1A7 19,~~622~~519,~~463~~348.9734 6.~~270000~~720000% 0.00 ~~102~~109,~~527~~308.3735 ~~102~~109,~~527~~308.3735 0.00 0.00 1A8 35,~~320~~134,~~435~~827.1502 5.000000% ~~185~~208,~~608~~743.1310 ~~147~~146,~~168~~395.4811 ~~332~~355,~~776~~138.6121 0.00 0.00 1A9 29,~~656~~586,~~633~~319.0466 6.250000% 7088,~~313~~015.3833 154,~~461~~095.6341 ~~224~~242,~~775~~110.0174 0.00 0.00 1A10 2311,~~731~~167,~~248~~234.0028 6.250000% 1211,~~564~~167,~~013~~234.7228 ~~123~~58,~~600~~162.2568 1211,~~687~~225,~~613~~396.9796 0.00 0.00 1A11 9,019,000.00 6.250000% 03,480,935.0012 46,973.96 463,~~973~~527,909.9608 0.00 0.00 1A12 1110,~~852~~915,~~825~~331.0961 6.500000% 0.00 6459,~~202~~124.8071 6459,~~202~~124.8071 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 ~~169~~151,~~818~~534,~~543~~082.3481 0.~~221101~~210479% 0.00 3126,~~289~~578.1490 3126,~~289~~578.1490 0.00 0.00 2A1 69,~~517~~294,~~740~~661.6463 5.000000% ~~223~~255,~~079~~305.0167 ~~289~~288,~~657~~727.2576 ~~512~~544,~~736~~033.2643 0.00 0.00 2A2 16,000,000.00 6.250000% 0.00 83,333.33 83,333.33 0.00 0.00 2A3 1811,~~099~~907,~~120~~712.2296 6.250000% 610,~~191~~332,~~407~~636.2690 9462,~~266~~019.2534 610,~~285~~394,~~673~~656.5123 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 42,~~327~~847,~~655~~236.3561 3.~~370000~~290000% 12,~~480~~470,~~418~~622.7437 127,~~153~~806.5017 12,~~492~~478,~~572~~428.2455 0.00 0.00 2A9 42,~~327~~847,~~655~~236.3561 9.~~130000~~210000% 12,~~480~~470,~~418~~622.7437 3221,~~926~~852.2454 12,~~513~~492,~~344~~474.9992 0.00 0.00 2A10 24,~~875~~795,~~027~~204.0733 4.000000% 7991,~~822~~354.7417 82,~~916~~650.7668 ~~162~~174,~~739~~004.5085 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,~~858~~785,~~557~~205.8788 6.250000% 0.00 ~~119~~118,~~054~~672.9995 ~~119~~118,~~054~~672.9995 0.00 0.00 2A14 20,000,000.00 6.250000% 0.00 104,166.67 104,166.67 0.00 0.00 3A1 ~~141~~131,~~045~~517,~~625~~823.9143 5.750000% 97,~~527~~023,~~802~~342.4866 ~~675~~630,~~843~~189.6257 107,~~203~~653,~~646~~532.1023 0.00 0.00 PO 2,~~586~~545,~~336~~506.1745 0.000000% 40111,~~829~~178.7159 0.00 40111,~~829~~178.7159 0.00 0.00 Residual AR 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 8,~~998~~986,~~776~~256.8815 6.~~261313~~261598% 12,~~520~~536.7342 46,~~953~~890.4627 59,~~474~~426.1969 0.00 0.00 B1 3,~~461~~457,~~834~~018.7905 6.~~261313~~261598% 4,~~816~~822.7377 18,~~063~~038.0271 22,~~879~~861.7648 0.00 0.00 B2 2,~~769~~765,~~069~~216.1228 6.~~261313~~261598% 3,~~852~~857.8366 14,~~448~~428.3489 18,~~301~~286.1755 0.00 0.00 B3 1,~~038~~037,~~650~~204.1196 6.~~261313~~261598% 1,~~445~~446.1697 5,~~419~~412.4313 6,~~864~~859.5910 0.00 0.00 B4 1,~~038~~037,~~650~~204.1196 6.~~261313~~261598% 1,~~445~~446.1697 5,~~419~~412.4313 6,~~864~~859.5910 0.00 0.00 B5 1,~~384~~382,~~472~~546.4714 6.~~261313~~261598% 1,926.3328 7,~~223~~214.8512 9,~~150~~140.1740 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~666~~622,~~389~~964,~~066~~450.4232 - 4351,~~511~~275,~~030~~094.0939 3,~~407~~175,~~791~~569.0352 4654,~~918~~450,~~821~~663.1391 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 9279,~~537~~191,~~892~~658.4516 0.00 1A2 16,~~746~~659,~~098~~234.9285 0.00 1A3 19,910,000.00 0.00 1A4 16,~~434~~519,~~131~~725.5295 0.00 1A5 ~~243~~245,~~769~~039.5720 0.00 1A6 19,~~519~~403,~~348~~379.3495 0.00 1A7 19,~~519~~403,~~348~~379.3495 0.00 1A8 3534,~~134~~926,~~827~~083.0292 0.00 1A9 29,~~586~~498,~~319~~304.6633 0.00 1A10 ~~11,167,234~~0.2800 0.00 1A11 95,~~019~~538,~~000~~064.0088 0.00 1A12 109,~~915~~822,~~331~~749.6166 0.00 1A13 33,000,000.00 0.00 1A14 500,000.00 0.00 1X ~~151~~135,~~534~~044,~~082~~765.8191 0.00 2A1 69,~~294~~039,~~661~~355.6396 0.00 2A2 16,000,000.00 0.00 2A3 111,~~907~~575,~~712~~076.9606 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 2376,~~847,236~~614.6124 0.00 2A9 2376,~~847,236~~614.6124 0.00 2A10 24,~~795~~703,~~204~~850.3316 0.00 2A11 500,000.00 0.00 2A12 650,000.00 0.00 2A13 22,~~785~~701,~~205~~257.8825 0.00 2A14 20,000,000.00 0.00 3A1 ~~131~~124,~~517~~494,~~823~~480.4376 0.00 PO 2,~~545~~434,~~506~~327.4587 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 8,~~986~~973,~~256~~719.1572 0.00 B1 3,~~457~~452,~~018~~195.0528 0.00 B2 2,~~765~~761,~~216~~358.2862 0.00 B3 1,~~037~~035,~~204~~757.9699 0.00 B4 1,~~037~~035,~~204~~757.9699 0.00 B5 1,~~382~~380,~~546~~619.1487 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~622~~571,~~964~~776,~~450~~220.3200 - --------------------------------------------------------------------------------

Payment Date: 12/25/02 ------------------------------------------------------------ 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 ~~103~~92,~~989~~537,~~672~~892.0745 6.250000% 12669C4D9 ~~102~~119.~~706544~~697169 4.~~857515~~322585 ~~829~~710.~~936255~~239087 1A2 16,~~832~~746,~~512~~098.9192 6.250000% 12669C4E7 5.~~081980~~108449 5.~~155807~~129338 ~~984~~979.~~832917~~724468 1A3 19,910,000.00 6.250000% 12669C4F4 0.000000 5.208333 1,000.000000 1A4 16,~~348~~434,~~980~~131.5852 6.250000% 12669C4G2 0.000000 0.000000 1,~~015~~020.~~706521~~996660 1A5 ~~242~~243,~~506~~769.5157 6.250000% 12669C4H0 0.000000 0.000000 1,~~015~~020.~~706521~~996660 1A6 19,~~622~~519,~~463~~348.9734 21.~~230000~~780000% 12669C4J6 5.~~210492~~859949 1.~~842601~~463047 ~~986~~980.~~323817~~463868 1A7 19,~~622~~519,~~463~~348.9734 6.~~270000~~720000% 12669C4K3 0.000000 5.~~180767~~523413 ~~986~~980.~~323817~~463868 1A8 35,~~320~~134,~~435~~827.1502 5.000000% 12669C4L1 5.~~210492~~859949 4.~~131393~~109683 ~~986~~980.~~323817~~463868 1A9 29,~~656~~586,~~633~~319.0466 6.250000% 12669C4M9 2.~~363952~~959095 5.~~193035~~180723 ~~994~~991.~~698751~~739656 1A10 2311,~~731~~167,~~248~~234.0028 6.250000% 12669C4N7 ~~396~~352.~~967258~~835206 31.~~905221~~837683 ~~352~~0.~~835206~~000000 1A11 9,019,000.00 6.250000% 12669C4P2 0385.~~000000~~955774 5.208333 ~~1,000~~614.~~000000~~044226 1A12 1110,~~852~~915,~~825~~331.0961 6.500000% 12669C4Q0 0.000000 54.~~149550~~742249 ~~875~~787.~~492092~~858762 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 ~~169~~151,~~818~~534,~~543~~082.3481 0.~~221101~~210479% 12669C4S6 0.000000 0.~~171280~~145496 ~~829~~739.~~514585~~250213 2A1 69,~~517~~294,~~740~~661.6463 5.000000% 12669C4T4 3.~~192910~~654167 4.~~145838~~132534 ~~991~~988.~~808173~~154006 2A2 16,000,000.00 6.250000% 12669C4U1 0.000000 5.208333 1,000.000000 2A3 1811,~~099~~907,~~120~~712.2296 6.250000% 12669C4V9 ~~296~~494.~~083748~~124475 42.~~507974~~965871 ~~569~~75.~~447322~~322847 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 42,~~327~~847,~~655~~236.3561 3.~~370000~~290000% 12669C5A4 ~~296~~494.~~083748~~124475 21.~~430700~~561235 ~~569~~75.~~447322~~322847 2A9 42,~~327~~847,~~655~~236.3561 9.~~130000~~210000% 12669C5B2 ~~296~~494.~~083748~~124475 64.~~585249~~370508 ~~569~~75.~~447322~~322847 2A10 24,~~875~~795,~~027~~204.0733 4.000000% 12669C5C0 3.~~192910~~654167 3.~~316670~~306027 ~~991~~988.~~808173~~154006 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,~~858~~785,~~557~~205.8788 6.250000% 12669C5F3 0.000000 5.~~182297~~165668 ~~991~~988.~~808173~~154006 2A14 20,000,000.00 6.250000% 12669C5G1 0.000000 5.208333 1,000.000000 3A1 ~~141~~131,~~045~~517,~~625~~823.9143 5.750000% 12669C5H9 6447.~~306220~~402811 4.~~561487~~253353 ~~887~~840.~~656321~~253510 PO 2,~~586~~545,~~336~~506.1745 0.000000% 12669C5J5 1439.~~337019~~039451 0.000000 ~~893~~854.~~833771~~794320 Residual AR 0.00 6.500000% 12669C5K2 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 8,~~998~~986,~~776~~256.8815 6.~~261313~~261598% 12669C5L0 1.~~386908~~388647 5.~~200986~~193986 ~~995~~994.~~398230~~009584 B1 3,~~461~~457,~~834~~018.7905 6.~~261313~~261598% 12669C5M8 1.~~386908~~388647 5.~~200986~~193986 ~~995~~994.~~398230~~009584 B2 2,~~769~~765,~~069~~216.1228 6.~~261313~~261598% 12669C5N6 1.~~386908~~388647 5.~~200986~~193986 ~~995~~994.~~398230~~009584 B3 1,~~038~~037,~~650~~204.1196 6.~~261313~~261598% 12669C5S5 1.~~386908~~388647 5.~~200986~~193986 ~~995~~994.~~398230~~009584 B4 1,~~038~~037,~~650~~204.1196 6.~~261313~~261598% 12669C5T3 1.~~386908~~388647 5.~~200986~~193986 ~~995~~994.~~398230~~009584 B5 1,~~384~~382,~~472~~546.4714 6.~~261313~~261598% 12669C5U0 1.~~386905~~386870 5.~~200986~~193986 ~~995~~994.~~398233~~011363 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~666~~622,~~389~~964,~~066~~450.4232 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Series 2002-J3 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 266,309,066.11 176,625,805.91 128,841,345.90 Loan count 602 404 287 Avg loan rate 6.824028% 6.756752% 6.294131% Prepay amount 28,283,449.55 15,461,538.66 6,574,440.19 Total ----- Prin balance 571,776,217.92 Loan count 1293 Avg loan rate 6.69 Prepay amount 50,319,428.40 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 49,958.64 30,200.82 21,770.28 Sub servicer fees 249.47 37,710.09 33,627.46 Trustee fees 2,211.24 1,441.89 1,019.10 Agg advances N/A N/A N/A Adv this period 26,325.70 2,457.96 10,406.99 Total ----- Master serv fees 101,929.74 Sub servicer fees 71,587.02 Trustee fees 4,672.23 Agg advances N/A Adv this period 39,190.65 -------------------------------------------------------------------------------- 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 6,229,644.51 0.00 0.00 Total ----- Bankruptcy 141,709.00 Fraud 6,944,447.00 Special Hazard 6,229,644.51 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 97.007825% 100.000000% 604,299,003.78 ----------------------------------------------------------------------------- Junior 2.992175% 0.000000% 18,639,409.47 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 11 5,202,750.76 60 to 89 days 1 329,443.93 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 12 5,532,194.69 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 54,450,663.91 54,450,663.91 Principal remittance amount 51,275,094.39 51,275,094.39 Interest remittance amount 3,175,569.52 3,175,569.52

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