This invention relates to stable one-part latex compositions prepared by aqueous emulsion polymerization wherein a core-shell polymer is formed, the core formed by emulsion polymerization of an ethylenically unsaturated monomer in the presence of an epoxy resin and the shell polymer formed by emulsion polymerization of a hydroxy carboxyl containing monomer composition in the presence of the core, providing that the monomers in both the core and the shell do not contain amino functional groups, and post-adding to the formed core-shell polymer an organic compound having at least one amino functional group which is available for later reaction with the epoxy resin upon drying to produce a crosslinked polymer product.