8-K 1 fh0207_8k0310.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, 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 October 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 October 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: October 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 October 25, 2003 Payment Date: 10/25/03 ------------------------------------------------------------ (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 ~~213~~215,~~774~~625.2200 ~~213~~215,~~774~~625.2200 0.00 ~~1,850~~0.7800 I-A-2 7354,~~057~~703,~~321~~786.9237 5.000000% 187,~~353~~121,~~535~~675.5556 ~~301~~227,~~792~~932.7044 187,~~655~~349,~~328~~608.2500 0.00 ~~2,612~~0.8100 I-A-3 1914,~~924~~919,~~724~~214.0740 1.~~510000~~520000% 51,~~005~~942,~~509~~275.6714 2418,~~856~~897.7467 51,~~030~~961,~~366~~172.4282 0.00 ~~215~~0.2000 I-A-4 1914,~~924~~919,~~724~~214.0740 6.~~990000~~980000% 0.00 ~~115~~86,~~065~~780.3210 ~~115~~86,~~065~~780.3210 0.00 ~~996~~0.1900 I-A-5 22,116,000.00 5.750000% 0.00 105,~~062~~972.9050 105,~~062~~972.9050 0.00 ~~909~~0.6000 I-A-6 0.00 5.750000% 0.00 0.00 0.00 0.00 0.00 I-A-7 0.00 2.~~560000~~570000% 0.00 0.00 0.00 0.00 0.00 I-A-8 0.00 16.~~231428~~198571% 0.00 0.00 0.00 0.00 0.00 II-A-1 1513,~~687~~322,~~413~~206.6958 5.250000% 2,~~365~~138,~~207~~722.1130 6858,~~632~~284.4365 2,~~433~~197,~~839~~006.5496 0.00 0.00 II-A-2 17,737,000.00 5.250000% 0.00 77,599.38 77,599.38 0.00 0.00 Residual II-A-RU 0.00 5.250000% 0.00 0.0001 0.0001 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,~~769~~760,~~390~~178.9486 5.~~660487~~660693% 9,~~212~~720.0836 31,~~703~~889.1441 4041,~~915~~609.2277 0.00 ~~228~~0.5700 B-2 2,~~708~~704,~~151~~465.1578 5.~~660487~~660693% 3,~~685~~888.3771 12,~~683~~757.1062 16,~~368~~646.4733 0.00 910.4400 B-3 1,~~624~~622,~~495~~285.9223 5.~~660487~~660693% 2,~~210~~332.6866 7,~~608~~652.0172 9,~~818~~985.7037 0.00 540.8500 B-4 ~~812~~811,~~247~~142.9662 5.~~660487~~660693% 1,~~105~~166.3433 3,~~804~~826.0136 4,~~909~~992.3569 0.00 270.4300 B-5 ~~812~~811,~~247~~142.9662 5.~~660487~~660693% 1,~~105~~166.3433 3,~~804~~826.0136 4,~~909~~992.3569 0.00 270.4300 B-6 ~~812~~811,~~648~~542.8899 5.~~660487~~660693% 1,~~105~~166.8991 3,~~805~~828.8825 4,~~911~~995.7715 0.00 270.4400 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~300~~250,~~043~~941,~~688~~966.4821 - 2511,~~742~~222,~~677~~114.0430 ~~970~~854,~~191~~872.8547 2612,~~712~~076,~~868~~986.8977 - ~~7,041.74~~- ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior I-A-1 45,000,000.00 ~~1,850~~0.7800 I-A-2 5447,~~703~~582,~~786~~110.3781 ~~2,612~~0.8100 I-A-3 1412,~~919~~976,~~214~~939.4025 ~~215~~0.2000 I-A-4 1412,~~919~~976,~~214~~939.4025 ~~996~~0.1900 I-A-5 22,116,000.00 ~~909~~0.6000 I-A-6 0.00 0.00 I-A-7 0.00 0.00 I-A-8 0.00 0.00 II-A-1 1311,~~322~~183,~~206~~484.5828 0.00 II-A-2 17,737,000.00 0.00 Residual II-A-RU 0.00 0.00 II-A-RL 0.00 0.00 -------------------------------------------------------------------------------- Subordinate B-1 6,~~760~~750,~~178~~458.8650 ~~228~~0.5700 B-2 2,~~704~~700,~~465~~577.7807 910.4400 B-3 1,~~622~~619,~~285~~952.2357 540.8500 B-4 ~~811~~809,~~142~~976.6229 270.4300 B-5 ~~811~~809,~~142~~976.6229 270.4300 B-6 ~~811~~810,~~542~~376.9909 270.4400 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~250~~230,~~941~~655,~~966~~901.2120 ~~7,041.74~~- --------------------------------------------------------------------------------

Payment Date: 10/25/03 ------------------------------------------------------------ (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.~~750538~~791667 1,000.000000 I-A-2 7354,~~057~~703,~~321~~786.9237 5.000000% 32051DQG0 ~~125~~48.~~081902~~535211 21.~~056759~~553391 ~~372~~324.~~813926~~278715 I-A-3 1914,~~924~~919,~~724~~214.0740 1.~~510000~~520000% 32051DQH8 ~~125~~48.~~081902~~535211 0.~~621141~~472231 ~~372~~324.~~813926~~278715 I-A-4 1914,~~924~~919,~~724~~214.0740 6.~~990000~~980000% 32051DQJ4 0.000000 2.~~875349~~168534 ~~372~~324.~~813926~~278715 I-A-5 22,116,000.00 5.750000% 32051DQK1 0.000000 4.~~750538~~791667 1,000.000000 I-A-6 0.00 5.750000% 32051DQL9 0.000000 0.000000 0.000000 I-A-7 0.00 2.~~560000~~570000% 32051DQM7 0.000000 0.000000 0.000000 I-A-8 0.00 16.~~231428~~198571% 32051DQN5 0.000000 0.000000 0.000000 II-A-1 1513,~~687~~322,~~413~~206.6958 5.250000% 32051DQP0 2926.~~565089~~734029 0.~~857905~~728558 ~~166~~139.~~527582~~793553 II-A-2 17,737,000.00 5.250000% 32051DQQ8 0.000000 4.375000 1,000.000000 Residual II-A-RU 0.00 5.250000% 32051DQR6 0.000000 0.~~059068~~273204 0.000000 II-A-RL 0.00 5.250000% 32051DQS4 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate B-1 6,~~769~~760,~~390~~178.9486 5.~~660487~~660693% 32051DQT2 1.~~343065~~417168 4.~~622122~~649280 ~~985~~984.~~592486~~175318 B-2 2,~~708~~704,~~151~~465.1578 5.~~660487~~660693% 32051DQU9 1.~~343065~~417168 4.~~622122~~649280 ~~985~~984.~~592486~~175318 B-3 1,~~624~~622,~~495~~285.9223 5.~~660487~~660693% 32051DQV7 1.~~343065~~417168 4.~~622122~~649280 ~~985~~984.~~592486~~175318 B-4 ~~812~~811,~~247~~142.9662 5.~~660487~~660693% 32051DQW5 1.~~343065~~417168 4.~~622122~~649280 ~~985~~984.~~592486~~175318 B-5 ~~812~~811,~~247~~142.9662 5.~~660487~~660693% 32051DQX3 1.~~343065~~417168 4.~~622122~~649280 ~~985~~984.~~592486~~175318 B-6 ~~812~~811,~~648~~542.8899 5.~~660487~~660693% 32051DQY1 1.~~343065~~417169 4.~~622123~~649280 ~~985~~984.~~592519~~175350 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~300~~250,~~043~~941,~~688~~966.4821 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 138,770,310.08 31,326,541.04 170,096,851.12 Loan count 324 72 396 Avg loan rate 6.534206% 6.066066% 6.45 Prepay amount 8,934,770.39 2,023,624.17 10,958,394.56 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 19,365.11 4,469.95 23,835.06 Sub servicer fees 65,816.27 15,790.52 81,606.79 Trustee fees 492.82 111.58 604.40 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 94.619328% 100.000000% 237,421,208.11 ----------------------------------------------------------------------------- Junior 5.380672% 0.000000% 13,501,316.81 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 1 715,791.14 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 1 715,791.14 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 12,076,986.77 12,076,986.77 Principal remittance amount 11,222,114.30 11,222,114.30 Interest remittance amount 854,872.47 854,872.47

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