-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 UuA/8GyatDJLgFg5TZpjeWMQN+jx1FreJOo8NcFZN/+GjYJaSryJQZ8wCbBvr5qt
 JJnzpOpDeLhxONhFyIDq+Q==

<SEC-DOCUMENT>0001104659-03-022314.txt : 20031006
<SEC-HEADER>0001104659-03-022314.hdr.sgml : 20031006
<ACCEPTANCE-DATETIME>20031006212644
ACCESSION NUMBER:		0001104659-03-022314
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	19970211
FILED AS OF DATE:		20031006

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN RESIDENTIAL INVESTMENT TRUST INC
		CENTRAL INDEX KEY:			0001035744
		STANDARD INDUSTRIAL CLASSIFICATION:	REAL ESTATE INVESTMENT TRUSTS [6798]
		IRS NUMBER:				330741174
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		445 MARINE VIEW AVE SUITE 230
		STREET 2:		STE 260
		CITY:			DEL MAR
		STATE:			CA
		ZIP:			92014
		BUSINESS PHONE:		6193505008

	MAIL ADDRESS:	
		STREET 1:		445 MARINE VIEW AVE SUITE 230
		CITY:			DEL MAR
		STATE:			CA
		ZIP:			92014

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HOME ASSET MANAGEMENT CORP
		CENTRAL INDEX KEY:			0001035726
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13485
		FILM NUMBER:		03930456

	BUSINESS ADDRESS:	
		STREET 1:		11100 SANTA MONICA BLVD
		STREET 2:		SUITE 2000
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90025
		BUSINESS PHONE:		3102355900

	MAIL ADDRESS:	
		STREET 1:		445 MARINE VIEW AVE STE
		CITY:			DEL MAR
		STATE:			CA
		ZIP:			92014
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>a3.xml
<DESCRIPTION>3
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>3</documentType>
  <periodOfReport>1997-02-11</periodOfReport>
    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001035744</issuerCik>
        <issuerName>AMERICAN RESIDENTIAL INVESTMENT TRUST INC</issuerName>
        <issuerTradingSymbol>INV</issuerTradingSymbol>
  </issuer>
  <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001035726</rptOwnerCik>
            <rptOwnerName>HOME ASSET MANAGEMENT CORP</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>11100 SANTA MONICA BOULEVARD, SUITE 2000</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>LOS ANGELES</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>90025</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
      <isDirector>0</isDirector>
      <isOfficer>0</isOfficer>
      <isTenPercentOwner>1</isTenPercentOwner>
      <isOther>0</isOther>
    </reportingOwnerRelationship>
  </reportingOwner>
  <nonDerivativeTable>
    <nonDerivativeHolding>
      <securityTitle>
        <value>Common Stock</value>
      </securityTitle>
      <postTransactionAmounts>
        <sharesOwnedFollowingTransaction>
          <value>1600000</value>
        </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
        <directOrIndirectOwnership>
          <value>D</value>
          <footnoteId id="F1"/>
        </directOrIndirectOwnership>
      </ownershipNature>
    </nonDerivativeHolding>
  </nonDerivativeTable>
  <footnotes>
    <footnote id="F1">Home Asset Management Corp.'s ("Hamco") beneficial ownership of the 1,600,000 shares of Common Stock changed from indirect to direct on September 25, 2003, when Hamco merged with MDC Reit Holdings, LLC ("MDC"), formerly the direct holder of such shares.  In addition, as a result of such merger, Hamco's pecuniary interest in such shares increased from 1,599,248 to 1,600,000 shares.</footnote>
  </footnotes>
  <remarks>Derivative Table</remarks>
  <ownerSignature>
    <signatureName>John C. Rocchio, President</signatureName>
    <signatureDate>2003-10-06</signatureDate>
  </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----