8-K 1 fh0207_8k0309.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): September 25, 2003 FH (Depositor) (Issuer in respect of First Horizon Mortgage Pass-Through Trust, Mortgage (Exact name of registrant as specified in charter) Texas 333-73524-03 03-0495199 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) 4000 Horizon Way, Irving, TX 75063 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (214) 441-4000 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events FH First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2002-7 On September 25, 2003, The Bank of New York, as Trustee for FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2002-7, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of October 1, 2002, among FH as Depositor, , 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 FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2002-7 relating to the distribution date of September 25, 2003 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of October 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: September 25, 2003 FH By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated September 25, 2003 Payment Date: 09/25/03 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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 I-A-1 45,000,000.00 5.750000% 0.00 ~~212~~213,~~902~~774.4722 ~~212~~213,~~902~~774.4722 0.00 21,~~722~~850.5378 I-A-2 ~~108~~73,~~047~~057,~~562~~321.9692 5.000000% 3418,~~990~~353,~~241~~535.0455 ~~444~~301,~~513~~792.8870 3518,~~434~~655,~~754~~328.9225 0.00 52,~~684~~612.3081 I-A-3 2919,~~467~~924,~~517~~724.0407 1.~~500000~~510000% 95,~~542~~005,~~792~~509.9767 3624,~~369~~856.3274 95,~~579~~030,~~162~~366.2942 0.00 ~~465~~215.0820 I-A-4 2919,~~467~~924,~~517~~724.0407 76.~~000000~~990000% 0.00 ~~169~~115,~~723~~065.4832 ~~169~~115,~~723~~065.4832 0.00 ~~2,170~~996.3719 I-A-5 22,116,000.00 5.750000% 0.00 ~~104~~105,~~634~~062.4790 ~~104~~105,~~634~~062.4790 0.00 ~~1,338~~909.0360 I-A-6 0.00 5.750000% 0.00 0.00 0.00 0.00 0.00 I-A-7 0.00 2.~~550000~~560000% 0.00 0.00 0.00 0.00 0.00 I-A-8 0.00 16.~~264285~~231428% 0.00 0.00 0.00 0.00 0.00 II-A-1 2915,~~083~~687,~~828~~413.2869 5.250000% 132,~~396~~365,~~414~~207.5911 ~~122~~68,~~699~~632.6643 132,~~519~~433,~~114~~839.2554 0.00 ~~4,542~~0.0900 II-A-2 17,737,000.00 5.250000% 0.00 7477,~~829~~599.3438 7477,~~829~~599.3438 0.00 ~~2,770~~0.0300 Residual II-A-RU 0.00 5.250000% 0.00 0.00 0.00 0.00 0.00 II-A-RL 0.00 5.250000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B-1 6,~~777~~769,~~202~~390.0694 5.~~660336~~660487% 79,~~811~~212.1208 31,~~441~~703.4014 3940,~~252~~915.5222 0.00 ~~526~~228.3057 B-2 2,~~711~~708,~~276~~151.0515 5.~~660336~~660487% 3,~~124~~685.9037 12,~~578~~683.3910 1516,~~703~~368.3047 0.00 ~~210~~91.5544 B-3 1,~~626~~624,~~370~~495.4092 5.~~660336~~660487% 12,~~874~~210.4968 7,~~545~~608.2001 9,~~419~~818.6970 0.00 ~~126~~54.3085 B-4 ~~813~~812,~~185~~247.2096 5.~~660336~~660487% ~~937~~1,105.2434 3,~~772~~804.6001 4,~~709~~909.8435 0.00 6327.1543 B-5 ~~813~~812,~~185~~247.2096 5.~~660336~~660487% ~~937~~1,105.2434 3,~~772~~804.6001 4,~~709~~909.8435 0.00 6327.1543 B-6 ~~813~~812,~~586~~648.5888 5.~~660336~~660487% ~~937~~1,105.7089 3,~~774~~805.4688 4,~~712~~911.1777 0.00 6327.1844 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~402~~300,~~521~~043,~~793~~688.7948 - 5725,~~945~~742,~~071~~677.3004 1970,~~228,557~~191.2985 5926,~~173~~712,~~628~~868.5989 - 207,~~745~~041.0574 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior I-A-1 45,000,000.00 21,~~722~~850.5378 I-A-2 7354,~~057~~703,~~321~~786.9237 52,~~684~~612.3081 I-A-3 1914,~~924~~919,~~724~~214.0740 ~~465~~215.0820 I-A-4 1914,~~924~~919,~~724~~214.0740 ~~2,170~~996.3719 I-A-5 22,116,000.00 ~~1,338~~909.0360 I-A-6 0.00 0.00 I-A-7 0.00 0.00 I-A-8 0.00 0.00 II-A-1 1513,~~687~~322,~~413~~206.6958 ~~4,542~~0.0900 II-A-2 17,737,000.00 ~~2,770~~0.0300 Residual II-A-RU 0.00 0.00 II-A-RL 0.00 0.00 -------------------------------------------------------------------------------- Subordinate B-1 6,~~769~~760,~~390~~178.9486 ~~526~~228.3057 B-2 2,~~708~~704,~~151~~465.1578 ~~210~~91.5544 B-3 1,~~624~~622,~~495~~285.9223 ~~126~~54.3085 B-4 ~~812~~811,~~247~~142.9662 6327.1543 B-5 ~~812~~811,~~247~~142.9662 6327.1543 B-6 ~~812~~811,~~648~~542.8899 6327.1844 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~300~~250,~~043~~941,~~688~~966.4821 207,~~745~~041.0574 --------------------------------------------------------------------------------

Payment Date: 09/25/03 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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 I-A-1 45,000,000.00 5.750000% 32051DQF2 0.000000 4.~~731166~~750538 1,000.000000 I-A-2 ~~108~~73,~~047~~057,~~562~~321.9692 5.000000% 32051DQG0 ~~238~~125.~~463368~~081902 32.~~029424~~056759 ~~497~~372.~~895829~~813926 I-A-3 2919,~~467~~924,~~517~~724.0407 1.~~500000~~510000% 32051DQH8 ~~238~~125.~~463368~~081902 0.~~908827~~621141 ~~497~~372.~~895829~~813926 I-A-4 2919,~~467~~924,~~517~~724.0407 76.~~000000~~990000% 32051DQJ4 0.000000 42.~~241194~~875349 ~~497~~372.~~895829~~813926 I-A-5 22,116,000.00 5.750000% 32051DQK1 0.000000 4.~~731166~~750538 1,000.000000 I-A-6 0.00 5.750000% 32051DQL9 0.000000 0.000000 0.000000 I-A-7 0.00 2.~~550000~~560000% 32051DQM7 0.000000 0.000000 0.000000 I-A-8 0.00 16.~~264285~~231428% 32051DQN5 0.000000 0.000000 0.000000 II-A-1 2915,~~083~~687,~~828~~413.2869 5.250000% 32051DQP0 ~~167~~29.~~455182~~565089 10.~~533746~~857905 ~~196~~166.~~092671~~527582 II-A-2 17,737,000.00 5.250000% 32051DQQ8 0.000000 4.~~218828~~375000 1,000.000000 Residual II-A-RU 0.00 5.250000% 32051DQR6 0.000000 0.~~000000~~059068 0.000000 II-A-RL 0.00 5.250000% 32051DQS4 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate B-1 6,~~777~~769,~~202~~390.0694 5.~~660336~~660487% 32051DQT2 1.~~138813~~343065 4.~~583963~~622122 ~~986~~985.~~935551~~592486 B-2 2,~~711~~708,~~276~~151.0515 5.~~660336~~660487% 32051DQU9 1.~~138813~~343065 4.~~583963~~622122 ~~986~~985.~~935551~~592486 B-3 1,~~626~~624,~~370~~495.4092 5.~~660336~~660487% 32051DQV7 1.~~138813~~343065 4.~~583963~~622122 ~~986~~985.~~935551~~592486 B-4 ~~813~~812,~~185~~247.2096 5.~~660336~~660487% 32051DQW5 1.~~138813~~343065 4.~~583963~~622122 ~~986~~985.~~935551~~592486 B-5 ~~813~~812,~~185~~247.2096 5.~~660336~~660487% 32051DQX3 1.~~138813~~343065 4.~~583963~~622122 ~~986~~985.~~935551~~592486 B-6 ~~813~~812,~~586~~648.5888 5.~~660336~~660487% 32051DQY1 1.~~138812~~343065 4.~~583963~~622123 ~~986~~985.~~935583~~592519 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~402~~300,~~521~~043,~~793~~688.7948 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 147,844,752.63 33,474,212.79 181,318,965.42 Loan count 341 76 417 Avg loan rate 6.540766% 6.057145% 6.46 Prepay amount 23,221,222.99 2,243,085.87 25,464,308.86 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 20,888.03 5,446.61 26,334.64 Sub servicer fees 77,155.25 16,643.90 93,799.15 Trustee fees 570.71 119.49 690.21 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 95.493460% 100.000000% 286,504,505.68 ----------------------------------------------------------------------------- Junior 4.506540% 0.000000% 13,520,758.10 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 3 1,297,337.13 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 3 1,297,337.13 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 26,712,868.89 26,712,868.89 Principal remittance amount 25,742,677.04 25,742,677.04 Interest remittance amount 970,191.85 970,191.85

Filing Compare · FIRST HORIZON ASSET SEC INC MOR PAS THR CERT SERIES 2002 7