EXHIBIT 99
                     WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
                                  MASTER SERVICING
                         MORTGAGE PASS-THROUGH CERTIFICATES
                             12/2002 DISTRIBUTION REPORT

SERIES:  wamms 2002-ar1                                WEIGHTED AVERAGE PC RATE:    6.27980%
POOL NUMBER:  Group 1 = 1839, 1840, 1841
____________________________________________________________________________________________

ISSUE DATE:  03/28/2002
CERTIFICATE BALANCE AT ISSUE:    $711,318,898.34

                                                                 CERTIFICATE
                                                   TOTAL         ACCOUNT            CERTIFICATE
                                                   NUMBER OF     ACTIVITY           BALANCE
                                                   MORTGAGES     (@PC RATE)         OUTSTANDING
                                                   _________  __________________  __________________

BALANCES FROM LAST FISCAL MONTH-END:                     944                         $354,701,331.99
PRINCIPAL POOL COLLECTION(S):
Scheduled Principal Collection Due Current Month                     $487,352.21
Unscheduled Principal Collection/Reversals                           $265,941.45
Liquidations-in-full                                      92      $38,653,069.78
Net principal Distributed                                         $39,406,363.44    ($39,406,363.44)

CAPITAL LOSS (PRINCIPAL WRITTEN OFF):                                                          $0.00

BALANCE CURRENT FISCAL MONTH-END:                        852                         $315,294,968.55

SCHEDULED INTEREST AT MORTGAGE RATE:                               $1,960,548.23

UNSCHEDULED INTEREST AT MORTGAGE RATE:
Unscheduled Interest Collection/Reversals                                  $0.00
Interest Uncollected on Liquidation                                        $0.00
Interest Uncollected on Non-Earning Assets                                 $0.00
Net Unscheduled Interest Distributed                                       $0.00

OTHER:
Loan Conversion Fees                                                       $0.00
Expense Reimbursements                                                     $0.00
Gain on Liquidations                                                       $0.00
Hazard Insurance Premium Refunds                                           $0.00
Net Other Distributions                                                    $0.00

SCHEDULED SERVICING FEE EXPENSES:                                     $92,799.20

UNSCHEDULED SERVICING FEES:
Unscheduled Service Fee Collections/Reversals                              $0.00
Servicing Fees Uncollected on Liquidation                                  $0.00
Servicing Fees Uncollected/Non-Earning Assets                              $0.00
Net Unscheduled Service Fees Distributed                                   $0.00

MISCELLANEOUS EXPENSES:                                                    $0.00

NET FUNDS DISTRIBUTED:                                            $41,274,112.47







                     WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
                                  MASTER SERVICING
                         MORTGAGE PASS-THROUGH CERTIFICATES
                             12/2002 DISTRIBUTION REPORT

SERIES:  wamms 2002-ar1                                WEIGHTED AVERAGE PC RATE:    6.27980%
POOL NUMBER:  Group 1 = 1839, 1840, 1841
____________________________________________________________________________________________


AGGREGATE LOSS AMOUNTS FROM INCEPTION OF POOL
  Loan Count Of              Aggregate Loss
  Incurred Loss                  Amount
__________________         _________________

                 0                     $0.00
*Aggregate Loss Amount and Count do not include this month's activity


SUMMARY OF DISTRIBUTIONS FOR CURRENT CYCLE
     Principal          Scheduled         Interest        Net Interest                            Total
   Distribution       Interest Due       Adjustment       Distribution         Other          Distribution
__________________  ________________  ________________  ________________  ________________  ________________

    $39,406,363.44     $1,867,749.03             $0.00     $1,867,749.03             $0.00    $41,274,112.47


INSURANCE RESERVES
                         Original         Claims In          Claims           Coverage          Coverage
  Insurance Type         Balance          Progress            Paid           Adjustments        Remaining
___________________  ________________  ________________  ________________  ________________  ________________

MPI                             $0.00             $0.00             $0.00             $0.00             $0.00
Special Hazard         $10,695,519.00             $0.00             $0.00             $0.00    $10,695,519.00
Bankruptcy Bond
   Single-Units           $100,000.00             $0.00             $0.00             $0.00       $100,000.00
   Multi-Units                  $0.00             $0.00             $0.00             $0.00             $0.00
Mortgage Repurchase     $7,113,189.00             $0.00             $0.00             $0.00     $7,113,189.00


DELINQUENT INSTALLMENTS
ONE                          TWO                          THREE
Count  Principal Balance     Count  Principal Balance     Count  Principal Balance
_____  _________________     _____  _________________     _____  _________________

   17      $6,142,287.39         2        $266,427.07         0              $0.00

FOUR                         IN FORECLOSURE               ACQUIRED
Count  Principal Balance     Count  Principal Balance     Count  Principal Balance
_____  _________________     _____  _________________     _____  _________________
    0              $0.00         0              $0.00         0              $0.00



The Class Principal Balances of each Class of the Class CB1, CB2, CB3, CB4,
CB5, CB6 Certificates immediately after the principal and interest distribution
on 12/25/2002 are as follows:




                Class       Class Principal Balance
                CB1                $7,384,818.42
                CB2                $3,516,438.96
                CB3                $2,460,617.55
                CB4                $1,758,713.76
                CB5                $1,054,832.84
                CB6                $1,406,573.84
                              __________________
                Total             $17,581,995.37
                              ==================


Capitalized items used but not defined herein have the meanings ascribed to
them in the Prospectus Supplement.





                                                                           EXHIBIT 99

                  DELINQUENT* MORTGAGE LOANS (As of November 31, 2002):

SERIES:  2002-ar1               POOL NUMBER:  Group 1 = 1839, 1840, 1841

                           I                     II                      III
                     Total Loans In        Total Delinquent        Loans Delinquent
                     Mortgage Pool              Loans                  1 Month
                  --------------------   ---------------------   ---------------------

Dollar Amount:       $315,294,968.55**        $6,408,714.46***        $6,142,287.39***
Number:                         1681                     19                      17
% of Pool:                    100.00%                  2.03%                   1.95%
(Dollars)
% of Pool:                    100.00%                  1.13%                   1.01%
(No. of Loans)


                           IV                      V                      VI
                    Loans Delinquent        Loans Delinquent           Loans In
                        2 Month                 3 Month               Foreclosure
                  --------------------   ---------------------   ---------------------

Dollar Amount:          $266,427.07***                $0.00***                $0.00***
Number:                           2                       0                       0
% of Pool:                    0.08%                    0.00%                   0.00%
(Dollars)
% of Pool:                    0.12%                    0.00%                   0.00%
(No. of Loans)


                          VII
                     Loans Acquired
                  --------------------

Dollar Amount:                $0.00***
Number:                           0
% of Pool:                     0.00%
(Dollars)
% of Pool:                     0.00%
(No. of Loans)

*  A Mortgage Loan is considered delinquent in a given month when a payment
due on the first day of the prior month has not been made on or before the
first day of such prior month.

**  Reflects the outstanding principal balance of the Mortgage Pool after the
application of all December 01, 2002 scheduled payments and November 01, 2002
unscheduled payments on the mortgage loans.

***  Reflects outstanding principal balance of delinquent mortgage loans as of
November 31, 2002.

Trading Factor, calculated as of distribution date : 0.44325403.
By multiplying this factor by the original balance of the Mortgage Pool as of
the Cut-Off Date, current outstanding balance of the Mortgage Pool (after
application of scheduled payments up to and including December 01, 2002, and
unscheduled prepayments in months prior to December ) can be calculated.