8-K 1 boa0203_8k0406.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): June 25, 2004 BOA (Depositor) (Issuer in respect of Mortgage Pass-Through Certificates, Series 2002-3) (Exact name of registrant as specified in charter) North Carolina 333-74544-07 03-0414271/Man (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) 101 N. Tryon St., Charlotte, NC 28255 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: 704-387-2111 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events BOA Mortgage Pass-Through Certificates Series 2002-3 On June 25, 2004, The Bank of New York, as Trustee for BOA, Mortgage Pass-Through Certificates Series 2002-3, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of March 1, 2002, among BOA as Depositor, Bank of America Mortgage Securities, Inc., 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 BOA, Mortgage Pass-Through Certificates Series 2002-3 relating to the distribution date of June 25, 2004 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of March 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: June 25, 2004 BOA By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated June 25, 2004 Payment Date: 06/25/04 ------------------------------------------------------------ Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2002-3 Bank of America, NA, Master Servicer ------------------------------------------------------------

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 1-A-1 0.00 1.600000% 0.00 0.00 0.00 0.00 0.00 1-A-2 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00 1-A-3 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00 1-A-4 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00 1-A-5 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00 1-A-6 0.00 6.250000% 0.00 0.00 0.00 0.00 0.00 1-A-7 0.00 6.900000% 0.00 0.00 0.00 0.00 0.00 1-A-8 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00 1-A-9 ~~1,384,346~~0.5200 6.500000% ~~1,384,346~~0.5200 ~~7,436~~0.3800 ~~1,391,782~~0.9000 0.00 620.1700 1-A-10 2421,~~800~~504,~~000~~698.0080 6.500000% 31,~~295~~525,~~301~~747.2010 ~~133~~116,~~219~~483.6579 31,~~428~~642,~~520~~230.8589 0.00 ~~1,113~~0.6800 1-A-11 ~~16,182~~0.0300 6.500000% ~~16,182~~0.0300 860.9300 ~~16,268~~0.9600 0.00 0.7300 Residual 1-A-R 0.00 6.500000% 0.00 0.0601 0.0601 0.00 0.00 1-A-LR 0.00 6.500000% 0.00 0.00 0.00 0.00 0.00 2-A-1 96,~~476~~992,~~284~~179.41 6.500000% 21,~~484~~147,~~105~~745.0039 4837,~~844~~245.2531 21,~~532~~184,~~949~~990.2569 0.00 ~~2,485~~629.6200 3-A-1 109,~~797~~832,~~062~~064.2950 6.000000% ~~964~~826,~~997~~038.7839 5349,~~985~~160.3132 1875,~~018,983~~198.0971 0.00 0.00 1-A-PO ~~549~~395,~~033~~388.9122 0.000000% ~~153~~24,~~645~~702.6923 0.00 ~~153~~24,~~645~~702.6923 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate 1-B-1 3,~~032~~028,~~065~~972.0021 6.500000% 3,~~092~~111.8003 16,~~287~~406.5393 19,~~380~~517.3397 0.00 ~~136~~0.1600 1-B-2 1,~~455~~454,~~938~~453.4030 6.500000% 1,~~485~~493.1086 7,~~820~~878.9529 9,~~306~~372.0515 0.00 650.3800 1-B-3 ~~849~~848,~~134~~268.5440 6.500000% ~~866~~871.1425 4,~~561~~594.3579 5,~~427~~466.4904 0.00 380.1300 1-B-4 484,~~661~~167.3700 6.500000% ~~494~~497.3728 2,~~603~~622.4857 3,~~097~~119.8586 0.00 210.7600 1-B-5 364,~~473~~101.1740 6.500000% ~~371~~373.7797 1,~~957~~972.8622 2,~~329~~346.6418 0.00 160.3700 1-B-6 ~~485~~484,~~321~~826.7571 6.500000% ~~495~~497.0495 2,~~607~~626.0314 3,~~102~~124.0810 0.00 210.7900 2-B-1 1,~~409~~408,~~552~~022.5897 6.500000% 1,~~529~~481.6073 7,~~265~~500.3513 8,~~794~~981.9686 0.00 ~~369~~126.7266 2-B-2 1,~~185~~184,~~860~~573.5973 6.500000% 1,~~286~~246.8658 6,~~112~~309.3688 7,~~399~~556.2246 0.00 ~~311~~106.0556 2-B-3 ~~668~~667,~~145~~420.5045 6.500000% ~~725~~702.0536 3,~~443~~555.8715 4,~~168~~257.9251 0.00 ~~175~~60.2504 2-B-4 295,~~976~~655.7455 6.500000% ~~321~~311.1813 1,~~525~~574.5787 1,~~846~~886.7600 0.00 7726.6360 2-B-5 222,~~715~~473.1748 6.500000% ~~241~~234.6812 1,~~147~~185.9605 1,~~389~~419.6417 0.00 5820.4201 2-B-6 297,~~384~~062.9425 6.500000% ~~322~~312.7061 1,~~532~~582.8336 1,~~855~~894.5397 0.00 7826.0072 3-B-1 ~~702~~699,~~512~~500.3249 6.000000% 3,~~011~~042.8252 3,~~512~~497.5650 6,~~524~~540.3802 0.00 0.00 3-B-2 ~~250~~249,~~571~~497.8458 6.000000% 1,~~074~~085.2620 1,~~252~~247.8649 2,~~327~~332.1269 0.00 0.00 3-B-3 ~~151~~150,~~254~~605.2781 6.000000% ~~648~~655.4607 ~~756~~753.2703 1,~~404~~408.7310 0.00 0.00 3-B-4 ~~100~~99,~~228~~799.7403 6.000000% ~~429~~434.7008 ~~501~~499.1400 ~~930~~933.8508 0.00 0.00 3-B-5 ~~100~~99,~~228~~799.7403 6.000000% ~~429~~434.7008 ~~501~~499.1400 ~~930~~933.8508 0.00 0.00 3-B-6 100,~~787~~355.5040 6.000000% ~~432~~436.1050 ~~503~~501.9478 ~~936~~938.0428 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - 5950,~~179~~863,~~722~~885.3174 - 83,~~315~~541,~~836~~454.5743 ~~307~~267,~~466~~695.6560 83,~~623~~809,~~303~~150.2203 - ~~5,031~~995.8759 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1-A-1 0.00 0.00 1-A-2 0.00 0.00 1-A-3 0.00 0.00 1-A-4 0.00 0.00 1-A-5 0.00 0.00 1-A-6 0.00 0.00 1-A-7 0.00 0.00 1-A-8 0.00 0.00 1-A-9 0.00 620.1700 1-A-10 2119,~~504~~978,~~698~~951.8069 ~~1,113~~0.6800 1-A-11 0.00 0.7300 Residual 1-A-R 0.00 0.00 1-A-LR 0.00 0.00 2-A-1 65,~~992~~844,~~179~~434.4103 ~~2,485~~629.6200 3-A-1 9,~~832~~006,~~064~~026.5012 0.00 1-A-PO ~~395~~370,~~388~~685.2299 0.00 -------------------------------------------------------------------------------- Subordinate 1-B-1 3,~~028~~025,~~972~~861.2117 ~~136~~0.1600 1-B-2 1,~~454~~452,~~453~~959.3044 650.3800 1-B-3 ~~848~~847,~~268~~397.4015 380.1300 1-B-4 ~~484~~483,~~167~~669.0072 210.7600 1-B-5 ~~364~~363,~~101~~727.4043 160.3700 1-B-6 484,~~826~~328.7176 210.7900 2-B-1 1,~~408~~406,~~022~~541.9725 ~~369~~126.7266 2-B-2 1,~~184~~183,~~573~~327.7315 ~~311~~106.0556 2-B-3 ~~667~~666,~~420~~718.4510 ~~175~~60.2504 2-B-4 295,~~655~~344.5542 7726.6360 2-B-5 222,~~473~~239.4837 5820.4201 2-B-6 ~~297~~296,~~062~~749.2564 7826.0072 3-B-1 ~~699~~696,~~500~~457.4998 0.00 3-B-2 ~~249~~248,~~497~~412.5838 0.00 3-B-3 ~~150~~149,~~605~~950.8174 0.00 3-B-4 99,~~799~~364.0395 0.00 3-B-5 99,~~799~~364.0395 0.00 3-B-6 ~~100~~99,~~355~~918.4090 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - 5047,~~863~~322,~~885~~431.7431 ~~5,031~~995.8759 --------------------------------------------------------------------------------

Payment Date: 06/25/04 ------------------------------------------------------------ Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2002-3 Bank of America, NA, Master Servicer ------------------------------------------------------------

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 1-A-1 0.00 1.600000% 06050HEE4 0.000000 0.000000 0.000000 1-A-2 0.00 6.500000% 06050HEF1 0.000000 0.000000 0.000000 1-A-3 0.00 6.500000% 06050HEG9 0.000000 0.000000 0.000000 1-A-4 0.00 6.500000% 06050HEH7 0.000000 0.000000 0.000000 1-A-5 0.00 6.500000% 06050HEJ3 0.000000 0.000000 0.000000 1-A-6 0.00 6.250000% 06050HEK0 0.000000 0.000000 0.000000 1-A-7 0.00 6.900000% 06050HEL8 0.000000 0.000000 0.000000 1-A-8 0.00 6.500000% 06050HEM6 0.000000 0.000000 0.000000 1-A-9 ~~1,384,346~~0.5200 6.500000% 06050HEN4 ~~104~~0.~~400190~~000000 0.~~560813~~000000 0.000000 1-A-10 2421,~~800~~504,~~000~~698.0080 6.500000% 06050HEP9 ~~132~~61.~~875048~~522061 54.~~371760~~696927 ~~867~~805.~~124952~~602891 1-A-11 ~~16,182~~0.0300 6.500000% 06050HFS2 ~~104~~0.~~400190~~000000 0.~~560813~~000000 0.000000 Residual 1-A-R 0.00 6.500000% 06050HEQ7 0.000000 10.~~286757~~251067 0.000000 1-A-LR 0.00 6.500000% 06050HER5 0.000000 0.000000 0.000000 2-A-1 96,~~476~~992,~~284~~179.41 6.500000% 06050HES3 167.~~876974~~797766 0.~~331847~~253044 4739.~~504769~~707003 3-A-1 109,~~797~~832,~~062~~064.2950 6.000000% 06050HET1 87.~~883590~~604356 0.~~496979~~452561 9082.~~512161~~907805 1-A-PO ~~549~~395,~~033~~388.9122 0.000000% 06050HEU8 9915.~~405181~~981767 0.000000 ~~255~~239.~~806963~~825196 ------------------------------------------------------------------------------------------------------------------------ Subordinate 1-B-1 3,~~032~~028,~~065~~972.0021 6.500000% 06050HEV6 01.~~996713~~002589 5.~~248961~~287442 ~~976~~975.~~143154~~140565 1-B-2 1,~~455~~454,~~938~~453.4030 6.500000% 06050HEW4 01.~~996713~~002589 5.~~248961~~287442 ~~976~~975.~~143154~~140565 1-B-3 ~~849~~848,~~134~~268.5440 6.500000% 06050HEX2 01.~~996713~~002589 5.~~248961~~287442 ~~976~~975.~~143154~~140565 1-B-4 484,~~661~~167.3700 6.500000% 06050HFH6 01.~~996713~~002589 5.~~248961~~287442 ~~976~~975.~~143154~~140565 1-B-5 364,~~473~~101.1740 6.500000% 06050HFJ2 01.~~996713~~002589 5.~~248961~~287442 ~~976~~975.~~143154~~140565 1-B-6 ~~485~~484,~~321~~826.7571 6.500000% 06050HFK9 01.~~996714~~002573 5.~~248967~~287448 ~~976~~975.~~144212~~141639 2-B-1 1,~~409~~408,~~552~~022.5897 6.500000% 06050HEY0 1.~~060016~~026838 5.~~034894~~197595 ~~975~~974.~~760897~~734058 2-B-2 1,~~185~~184,~~860~~573.5973 6.500000% 06050HEZ7 1.~~060016~~026838 5.~~034894~~197595 ~~975~~974.~~760897~~734058 2-B-3 ~~668~~667,~~145~~420.5045 6.500000% 06050HFA1 1.~~060016~~026838 5.~~034894~~197595 ~~975~~974.~~760897~~734058 2-B-4 295,~~976~~655.7455 6.500000% 06050HFL7 1.~~060016~~026838 5.~~034894~~197595 ~~975~~974.~~760897~~734058 2-B-5 222,~~715~~473.1748 6.500000% 06050HFM5 1.~~060016~~026838 5.~~034894~~197595 ~~975~~974.~~760897~~734058 2-B-6 297,~~384~~062.9425 6.500000% 06050HFN3 1.~~059958~~026830 5.~~034897~~197597 ~~975~~974.~~761401~~734571 3-B-1 ~~702~~699,~~512~~500.3249 6.000000% 06050HFB9 3.~~906385~~946195 4.~~555852~~536320 ~~907~~903.~~263934~~317739 3-B-2 ~~250~~249,~~571~~497.8458 6.000000% 06050HFC7 3.~~906385~~946195 4.~~555852~~536320 ~~907~~903.~~263934~~317739 3-B-3 ~~151~~150,~~254~~605.2781 6.000000% 06050HFD5 3.~~906385~~946195 4.~~555852~~536320 ~~907~~903.~~263934~~317739 3-B-4 ~~100~~99,~~228~~799.7403 6.000000% 06050HFP8 3.~~906385~~946195 4.~~555852~~536320 ~~907~~903.~~263934~~317739 3-B-5 ~~100~~99,~~228~~799.7403 6.000000% 06050HFQ6 3.~~906385~~946195 4.~~555852~~536320 ~~907~~903.~~263934~~317739 3-B-6 100,~~787~~355.5040 6.000000% 06050HFR4 3.~~906392~~946202 4.~~555860~~536328 ~~907~~903.~~265552~~319350 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - 5950,~~179~~863,~~722~~885.3174 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2002-3 Bank of America, NA, Master Servicer ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 26,931,208.12 9,991,082.50 10,400,139.80 Loan count 60 25 26 Avg loan rate 6.916694% 6.877370% 6.612314% Prepay amount 1,519,164.41 1,149,136.53 783,273.33 Total ----- Prin balance 47,322,430.42 Loan count 111 Avg loan rate 6.84 Prepay amount 3,451,574.27 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 8,359.45 618.34 4,032.74 Sub servicer fees 0.00 0.00 0.00 Trustee fees 71.20 27.88 28.08 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 Total ----- Master serv fees 13,010.52 Sub servicer fees 0.00 Trustee fees 127.16 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 0.00 0.00 0.00 Fraud 0.00 0.00 0.00 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 0.00 Special Hazard 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 76.159039% 100.000000% 38,724,330.93 ----------------------------------------------------------------------------- Junior 23.840961% 0.000000% 12,122,333.48 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 1 335,762.56 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 1 335,762.56 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 3,809,150.03 3,809,150.03 Principal remittance amount 3,541,454.43 3,541,454.43 Interest remittance amount 267,695.60 267,695.60

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