8-K 1 boa02j_8k0502.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): February 25, 2005 BOA (Depositor) (Issuer in respect of MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-J) (Exact name of registrant as specified in charter) North Carolina 333-97547-03 61-1430160 (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) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions. []Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) []Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) []Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) []Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Section 8 - Other Events Item 8.01 Other Events Section 9 - Financial Statements and Exhibits Item 9.01 Financial Statements and Exhibits 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: February 25, 2005 BOA By: /s/ Melissa Minneci ------------------------------ Name: Melissa Minneci Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated February 25, 2005 Payment Date: 02/25/05 ------------------------------------------------------------ BANK OF AMERICA MORTGAGE SECURITIES, INC. MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-J Bank of America, N.A., 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 A1 1918,~~294~~406,~~633~~232.2562 2.995000% ~~888~~634,~~400~~214.6485 4845,~~156~~938.1989 ~~936~~680,~~556~~153.8274 0.00 0.00 A2 4745,~~788~~588,~~825~~440.6558 4.879000% 21,~~200~~570,~~385~~819.0833 ~~194~~185,~~301~~355.4000 21,~~394~~756,~~686~~174.4834 0.00 0.00 A3 10,~~510~~026,~~738~~783.7812 4.879000% ~~483~~345,~~955~~488.6612 4240,~~734~~767.9123 ~~526~~386,~~690~~255.5735 0.00 0.00 A4 ~~283~~270,~~789~~723.9514 4.879000% 139,~~066~~328.8018 1,~~153~~100.8472 1410,~~220~~428.6589 0.00 0.00 AP ~~243~~220,~~290~~079.5117 0.000000% ~~23,211~~435.3492 0.00 ~~23,211~~435.3492 0.00 0.00 Residual AR 0.00 4.412231% 0.00 0.0705 0.0705 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 43,~~089~~997,~~336~~094.8938 4.412231% 9268,~~242~~203.5108 1514,~~035~~696.9275 ~~107~~82,~~278~~899.4283 0.00 0.00 B2 1,~~799~~758,~~102~~520.1611 4.412231% 4030,~~582~~005.0692 6,~~615~~465.0583 4736,~~197~~471.1075 0.00 0.00 B3 1,~~308~~279,~~542~~025.0144 4.412231% 2921,~~516~~824.5722 4,~~811~~702.3280 3426,~~327~~527.8902 0.00 0.00 B4 ~~490~~479,~~560~~494.1566 4.412231% 118,~~065~~181.4970 1,~~803~~763.7203 129,~~869~~944.2173 0.00 0.00 B5 ~~491~~480,~~132~~054.5717 4.412231% 118,~~078~~191.4024 1,~~805~~765.8309 129,~~884~~956.2234 0.00 0.00 B6 ~~654~~639,~~314~~555.9164 4.412231% 1410,~~759~~912.2884 2,~~405~~351.8256 1713,~~165~~264.1040 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - 8683,~~954~~146,~~266~~003.8403 - 32,~~808~~707,~~263~~605.8141 ~~318~~304,~~824~~906.0795 43,~~127~~012,~~087~~512.8836 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior A1 1817,~~406~~772,~~232~~017.6276 0.00 A2 4544,~~588~~017,~~440~~621.5824 0.00 A3 109,~~026~~681,~~783~~295.1200 0.00 A4 ~~270~~261,~~723~~394.1496 0.00 AP ~~220~~219,~~079~~643.1726 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate B1 3,~~997~~928,~~094~~891.3830 0.00 B2 1,~~758~~728,~~520~~514.1119 0.00 B3 1,~~279~~257,~~025~~201.4422 0.00 B4 ~~479~~471,~~494~~312.6697 0.00 B5 ~~480~~471,~~054~~862.1792 0.00 B6 ~~639~~628,~~555~~642.6479 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - 8380,~~146~~438,~~003~~397.0362 - --------------------------------------------------------------------------------

Payment Date: 02/25/05 ------------------------------------------------------------ BANK OF AMERICA MORTGAGE SECURITIES, INC. MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-J Bank of America, N.A., 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 A1 1918,~~294~~406,~~633~~232.2562 2.995000% 06050HVJ4 64.~~452742~~606508 0.~~349774~~333669 ~~133~~129.~~690442~~083933 A2 4745,~~788~~588,~~825~~440.6558 4.879000% 06050HVK1 64.~~452742~~606508 0.~~569799~~543563 ~~133~~129.~~690442~~083933 A3 10,~~510~~026,~~738~~783.7812 4.879000% 06050HVL9 64.~~452742~~606508 0.~~569799~~543563 ~~133~~129.~~690442~~083933 A4 ~~283~~270,~~789~~723.9514 4.879000% 06050HVM7 64.~~452742~~606508 0.~~569799~~543563 ~~133~~129.~~690442~~083933 AP ~~243~~220,~~290~~079.5117 0.000000% 06050HVN5 641.~~787306~~216728 0.000000 ~~614~~613.~~283213~~066485 Residual AR 0.00 4.412231% 06050HVP0 0.000000 0.~~691583~~535564 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 43,~~089~~997,~~336~~094.8938 4.412231% 06050HVQ8 129.~~911885~~546904 2.~~104691~~057216 ~~559~~549.~~503693~~956789 B2 1,~~799~~758,~~102~~520.1611 4.412231% 06050HVR6 129.~~911885~~546904 2.~~104691~~057216 ~~559~~549.~~503693~~956789 B3 1,~~308~~279,~~542~~025.0144 4.412231% 06050HVS4 129.~~911885~~546904 2.~~104691~~057216 ~~559~~549.~~503693~~956789 B4 ~~490~~479,~~560~~494.1566 4.412231% 06050HVT2 129.~~911885~~546904 2.~~104691~~057216 ~~559~~549.~~503693~~956789 B5 ~~491~~480,~~132~~054.5717 4.412231% 06050HVU9 129.~~911885~~546904 2.~~104691~~057216 ~~559~~549.~~503693~~956789 B6 ~~654~~639,~~314~~555.9164 4.412231% 06050HVV7 129.~~911895~~546911 2.~~104693~~057218 ~~559~~549.~~504096~~957186 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - 8683,~~954~~146,~~266~~003.8403 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ BANK OF AMERICA MORTGAGE SECURITIES, INC. MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-J Bank of America, N.A., Master Servicer ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 80,438,396.80 80,438,396.80 Loan count 188 188 Avg loan rate 5.394354% 5.39 Prepay amount 2,584,388.14 2,584,388.14 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 67,160.84 67,160.84 Sub servicer fees 0.00 0.00 Trustee fees 207.87 207.87 Agg advances N/A N/A Adv this period 0.00 0.00 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 Fraud 0.00 0.00 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 89.775229% 100.000000% 74,512,258.63 ----------------------------------------------------------------------------- Junior 10.224771% 0.000000% 8,486,425.39 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 2 817,690.43 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 1 538,334.25 Totals: 3 1,356,024.68 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 3,012,512.36 3,012,512.36 Principal remittance amount 2,707,605.41 2,707,605.41 Interest remittance amount 304,906.95 304,906.95

Filing Compare · BANK OF AMERICA MORTGAGE SEC INC MORT PS THR CERT SE 2002-J