source:
  type: guide
  id: fhlmc-3302.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 3302.1 — Mortgage
    file management
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 3302.1 — Mortgage
    file management.
  coverage_tier: operative
obligations:
- id: fhlmc-3302.1-full
  canonical_id: fhlmc-3302.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 3302.1 — Mortgage
    file management
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 3302.1 — Mortgage
      file management
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '3302.1: Mortgage file management (12/17/25) This section contains
      requirements related to: ■ Maintaining Mortgage file ■ Form of Mortgage file
      documents ■ Mortgage file control and identification (a) Maintaining Mortgage
      file The Servicer must maintain an individual file for each Mortgage serviced
      for Freddie Mac. The file must include: ■ All documents required to be held
      by the Seller, as outlined in Chapter 3301 ■ All legal notices, correspondence,
      forms and reports concerning the Mortgage and the Mortgaged Premises or REO
      The Servicer must also maintain adequate records of collection efforts and make
      the records available for Freddie Mac’s inspection on request. At a minimum,
      the records must show: ■ Dates that the letters and notices were mailed ■ Dates
      and results of all collection activities with Borrowers ■ Reasons for prior
      and current defaults ■ Terms of any arrangements for curing the Delinquency
      and/or providing alternatives to foreclosure ■ Documentation of property inspections,
      as required in Section 9202.3(b) (b) Form of Mortgage file documents (i) Paper
      originals The Servicer must maintain the paper original of each of the following
      documents: Freddie Mac Single-Family Seller/Servicer Guide Chapter 3302 As of
      12/17/25 Page 3302-2 ■ Certificate of title, with the lien properly noted, if
      the Mortgage is secured by a Manufactured Home in a certificate of title State
      where there is no procedure for canceling the certificate of title. Note: In
      jurisdictions where applicable law requires the owner of the Manufactured Home
      to retain the original certificate of title, the Servicer may maintain a copy
      of the original certificate of title. Refer to Section 5703.4(f)(iii). ■ Recorded
      assignment of the Mortgage to MERS®, if applicable, and any Intervening Assignments,
      if the Servicer has elected to retain the assignments for MERS- registered Mortgages,
      unless electronically recorded in accordance with Section 1401.3(d) or 1401.3(e)
      ■ For Mortgages documented using a New York Consolidation, Extension and Modification
      Agreement (NY CEMA): ❑ Original Old Money Notes ❑ Original New Money Notes (Gap
      Notes) and, if applicable, ❑ Original Consolidated Notes from prior consolidations
      as required by Sections 4101.11, 3401.2(a) and 3301.2(b) The above documents
      and the Mortgage file must be kept in a fire-resistant storage area. Freddie
      Mac may, at any time, require that, at the Servicer’s expense, the Servicer
      or the Document Custodian affix the Freddie Mac loan number to the face of each
      Note. In addition to maintaining the paper original of the documents above,
      the Servicer should maintain back-up paper or Electronic (as defined in Section
      1401.1(b)) copies of such original paper documents in the Mortgage file. (ii)
      Security Instruments The Mortgage file must contain the Security Instrument
      in accordance with Section 3301.2(a). When stored as paper documents, such Security
      Instruments must be stored and maintained in the same manner as the original
      paper documents in Section 3302.1(b)(i) above. When such Security Instruments
      are stored as Electronic Mortgage file documents, the Servicer must: ■ Promptly
      obtain, at the Servicer’s expense, certified paper or Electronic copies from
      the recorder’s office of any recorded Security Instrument whenever: Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 3302 As of 12/17/25 Page 3302-3
      ❑ Necessary for the Servicing of such Mortgages, or ❑ Required by Freddie Mac,
      in its sole discretion Note: Such requests would ordinarily be on a case-by-case
      basis unless Freddie Mac requires the Servicer to obtain certified copies of
      all such recorded Security Instruments to protect Freddie Mac’s interests and
      enforce its rights. ■ Notify any prospective Transferee Servicer that certain
      Mortgages have Electronic copies of the Security Instruments that: ❑ Are stored
      electronically in the Servicer’s Electronic storage System (as defined in Section
      1401.1(b)) for Mortgage file documents (“eStorage System”), and ❑ Would be electronically
      transferred to the Transferee Servicer’s eStorage System, if applicable, as
      part of any Transfer of Servicing, subject to the requirements in Section 7101.5(a)(1)
      under which the Transferor Servicer may be required to convert the documents
      and records to the form of storage used by the Transferee Servicer or generate
      paper copies of all documents and records for the Transferee Servicer ■ Represent
      and warrant to, and covenant with, Freddie Mac that: ❑ The Electronic storage
      of Electronic copies of the Security Instruments will not in any way adversely
      affect the validity, enforceability or effectiveness of the Security Instruments,
      ❑ The Electronic copies of the Security Instruments comply with all applicable
      laws, including, without limitation, E-SIGN and the UETA, and ❑ All Security
      Instruments that have been recorded have: ■ Created valid First Liens on the
      related Mortgaged Premises, and ■ Been copied as Electronic Records and the
      Servicer has securely stored, protected and maintained such Electronic Records,
      showing recordation information, in the Servicer’s eStorage System ■ Indemnify
      and hold Freddie Mac harmless from any delay in enforcement of the Mortgages
      and any failure or inability to collect amounts due under any Mortgage, in addition
      to any costs, loss, damages, expenses, legal fees or any costs of any kind that
      arise out of or occur in connection with or as a result of the Servicer’s decision
      to not store the original recorded Security Instruments as paper Mortgage file
      documents ■ Secure and protect all Electronic copies of the Security Instruments
      with recordation information or Recording Confirmation(s) (as defined in Section
      1401.3(d)) with Freddie Mac Single-Family Seller/Servicer Guide Chapter 3302
      As of 12/17/25 Page 3302-4 recording information in the Servicer’s eStorage
      System and maintain the validity, effectiveness and enforceability of such Electronic
      Mortgage file documents for the life of each Mortgage plus seven years If the
      original Security Instrument was electronically recorded, the Seller/Servicer
      must comply with the requirements set forth in Sections 1401.3(d) and 1401.3(e)
      related to Electronic Recording of paper Closing Documents and Electronic Recording
      of Electronic Closing Documents, respectively. If the copies of the recorded
      Security Instruments are Electronic Records, the Servicer must also maintain
      copies (paper or Electronic) of the original recorded Security Instruments in
      the Mortgage file at a storage area that is geographically remote from and not
      susceptible to the same disasters as the primary storage facility site. (iii)
      Reproductions of original paper documents Except for the documents noted above,
      which must be maintained as paper originals or in the same manner as paper originals,
      the Servicer may maintain paper or Electronic copies of Mortgage file documents
      reproduced from the original paper documents by any photographic, photostatic,
      microfilm, microfiche, electronic imaging, optical disk or laser disk storage
      process; provided that: ■ The copies are allowed under laws or regulations to
      which the Servicer is subject and in the jurisdiction where the Mortgaged Premises
      is located ■ The Servicer has a written opinion of its counsel that the copies
      are admissible evidence in court ■ The copies were made in the regular course
      of business pursuant to a written policy of the Servicer applicable to all of
      its Mortgage files ■ The copies were made by a process that accurately reproduces
      or forms a durable medium for reproducing the originals ■ If the Servicer maintains
      Electronic copies of such paper Mortgage file documents, the Servicer stores
      such Electronic copies in a manner that preserves (i) the view (visual computer
      screen image or printed paper image) of such Electronic documents and (ii) any
      data contained in or associated with the Electronic document for the life of
      each associated Mortgage plus seven years ■ The Servicer maintains Systems,
      as defined in Section 1401.1(b), on the premises where the copies are kept that
      permit the viewing or reading of the copies and the reproduction of such copies
      into legible paper copies. The Servicer must make such Systems available for
      use by Freddie Mac’s representatives as needed. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 3302 As of 12/17/25 Page 3302-5 ■ The Servicer does not make copies
      of original paper Mortgage file documents for any Mortgage file documents (excluding
      the paper original Mortgage file documents noted above, which must always be
      maintained and stored as paper originals) using microfilm or microfiche for
      Mortgages with Note Dates after June 30, 2013. Servicers may copy original paper
      Mortgage file documents using scanning systems and maintain copies of such documents
      as Portable Document Format (PDF), Tagged Image File (TIF) format, Joint Photographic
      Experts Group (JPEG) format or other Electronic document formats commonly used
      in the regular course of business. (iv) Electronic Mortgage file documents If
      any of the Servicer’s Mortgage files contain (i) some Electronic Mortgage file
      documents that were paper and (ii) some Electronic Mortgage file documents that
      were originally created as Electronic documents, as permitted by Chapter 1401
      or elsewhere in the Servicer’s Purchase Documents, the Servicer may convert
      to another Electronic document format if: ■ The Servicer determines that it
      is a business necessity to convert such Electronic Mortgage file documents to
      a different Electronic document format (e.g., due to technological innovation,
      changes to the Servicer’s Systems, merger of the Servicer with a Servicer that
      has different Systems or a Transfer of Servicing to a Servicer with different
      Systems), and ■ The view (visual computer screen image) of and the content (data
      contained in or associated with the Electronic documents) in the Electronic
      Mortgage file documents are not altered, garbled, lost or destroyed (v) Additional
      document retention and Document Custodian requirements In addition to the requirements
      set forth above, Servicers must comply with the document retention and Document
      Custodian requirements set forth in Sections 9206.4(b), 9205.1(b) and 9205.3.
      (c) Mortgage file control and identification Regardless of the form in which
      Mortgage files and records are kept, the Servicer must have control and identification
      features in place to permit the following: ■ Ready identification of the Freddie
      Mac loan number assigned to each Mortgage serviced for Freddie Mac ■ Ready identification
      of which Mortgages are MERS-registered and of those that are closed with MERS
      as original mortgagee of record Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 3302 As of 12/17/25 Page 3302-6 ■ Prompt retrieval and, if applicable,
      delivery to Freddie Mac of a file or individual components of a file by Freddie
      Mac loan number ■ Prompt preparation and delivery to Freddie Mac of scheduled
      and unscheduled reports that Freddie Mac may require by Freddie Mac loan number
      If, for any reason, Freddie Mac changes a loan number, the Servicer must upon
      notice promptly make the necessary changes to the applicable Mortgage file and
      records to reflect the new Freddie Mac loan number and instruct its Document
      Custodian to take similar action. The Servicer must maintain the Mortgage file
      while Freddie Mac retains an interest in the applicable Mortgage and for at
      least seven years from the date Freddie Mac’s interest in the Mortgage is satisfied.
      If the Mortgage was paid in full, the Mortgage file must contain a copy of the
      canceled Note. If the Mortgage was repurchased by the Servicer to effectuate
      a Transfer of Ownership that is not allowed by or does not meet Freddie Mac’s
      requirements, the Mortgage file must contain a copy of the executed Transfer
      of Ownership or assumption/release of liability instrument.'
  judgment: false
