source:
  type: guide
  id: fhlmc-6301.3
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 6301.3 — Delivery
    of Mortgage documentation
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 6301.3 — Delivery
    of Mortgage documentation.
  coverage_tier: operative
obligations:
- id: fhlmc-6301.3-full
  canonical_id: fhlmc-6301.3-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 6301.3 — Delivery
    of Mortgage documentation
  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 6301.3 — Delivery
      of Mortgage documentation
    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: '6301.3: Delivery of Mortgage documentation (12/17/25) This section
      contains requirements related to: ■ Home Mortgage documentation delivery ■ Pledged
      Mortgage delivery (a) Home Mortgage documentation delivery The Seller agrees,
      at its own expense and within the delivery period required under the purchase
      program, to deliver to Freddie Mac, or its designee, the documents required
      under the Purchase Documents, subject to Freddie Mac’s approval regarding proper
      form and execution. The Seller should plan for a reasonable processing and review
      period before the Funding Date or Settlement Date. The amount of the purchase
      price is adjusted for interest accrued through the day before the Funding Date
      or Settlement Date. (b) Pledged Mortgage delivery Pledged Mortgages must be
      delivered as required by Section 6302.38 and Chapter 6305; see Section 1402.6
      for Pledged eMortgages. Freddie Mac Single-Family Seller/Servicer Guide Chapter
      6301 As of 02/04/26 Page 6301-11 6301.4: Completion and substitution of delivery
      (02/04/26) This section contains requirements related to: ■ Completion of delivery
      ■ Mortgage substitutions (a) Completion of delivery Settlement cannot occur
      until delivery is complete. Delivery is considered complete when: ■ All loan
      data, other information and documentation required by the Purchase Documents
      are delivered to and accepted by Freddie Mac. If the Mortgage is registered
      on the MERS® System, the Seller/Servicer must, in addition to any requirements
      set forth in the MERS Governing Documents: ❑ Register such Mortgages with MERS
      prior to loan delivery to Freddie Mac, ❑ Supply the MIN for Mortgages registered
      with MERS at the time of delivery, and ❑ Indicate the MIN on the Security Instrument
      and related documents, regardless of whether the Seller/Servicer retains the
      documents or sends them to the Document Custodian Note: For further information
      on MERS, refer to Exhibit 5A, Authorized Changes to Notes, Riders, Security
      Instruments and the Uniform Residential Loan Application. ■ The Notes and all
      other required documentation are delivered to and certified by the Document
      Custodian. The Seller/Servicer must provide the Document Custodian with sufficient
      information so that if there is a Subsequent Transfer of Servicing, the Transferor
      Servicer and Freddie Mac can determine whether a Mortgage that is included in
      such Subsequent Transfer of Servicing is registered with MERS at the time of
      the transfer, as required by Section 7101.4(c). Prior to certification, the
      Seller must identify and track the Notes and other loan documents on its system
      as Mortgages to be sold to Freddie Mac. In addition, Freddie Mac may require
      that, at the Seller’s expense, the Freddie Mac loan number be affixed to the
      face of each Note. Freddie Mac Single-Family Seller/Servicer Guide Chapter 6301
      As of 02/04/26 Page 6301-12 (i) Settlement timing and conditions If the Seller
      does not complete its Guarantor or MultiLender Swap delivery by 8:00 PM Eastern
      Time on the day immediately preceding the scheduled Settlement Date, Freddie
      Mac has the right, in its sole discretion, to cancel or postpone the settlement
      or funding until delivery has been completed. For information regarding pair-off
      of Cash contracts, see Section 6401.1. The Seller indemnifies and holds Freddie
      Mac, its directors, officers, employees, successors, assigns and fiscal and
      transfer agents harmless from and against any and all losses, damages, claims,
      demands, actions, suits or liabilities, joint or several, to which Freddie Mac
      may become subject and shall reimburse Freddie Mac for any legal or other expenses
      reasonably incurred by Freddie Mac in connection with any losses, damages, claims,
      demands, suits, liabilities or actions with respect to Freddie Mac’s cancelation
      or postponement of any settlement or funding insofar as such losses, claims,
      damages, demands, suits, liabilities or actions arise out of or are based upon
      Freddie Mac’s cancelation or postponement of a settlement or funding. (ii) Delivery
      and certification requirements The Document Custodian eligibility and contract
      requirements of Sections 2202.1(b) and 2202.2 must be met, in addition to the
      following requirements: ■ The Document Custodian must have received and certified,
      as required by Sections 6304.2 and 6304.3, the following: ❑ Form 1034E, Custodial
      Certification Schedule, or the “Note Delivery Cover Sheet” Note: Form 1034E
      and the Note Delivery Cover Sheet are available only through Loan Selling Advisor®,
      and the Seller is not required to maintain a copy. ❑ For each Mortgage, the
      original Note, endorsed as required by Section 6301.2(a), along with the originals
      of any addenda or other modifying instruments to the Note ❑ Any documentation,
      if applicable, indicating that the Mortgages were closed with MERS as original
      mortgagee of record ❑ The original assignments of the Security Instruments,
      prepared and completed as required by Section 6301.2(d), unless the Mortgages
      are registered with MERS and the Seller/Servicer has elected to retain all required
      assignments in the Mortgage files Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 6301 As of 02/04/26 Page 6301-13 The Seller/Servicer must supply
      its Document Custodian with any documentation necessary for the Document Custodian
      to determine if it should expect to receive assignments for MERS-registered
      Mortgages. If a recorder’s office has not yet returned a recorded Intervening
      Assignment to the Seller/Servicer, the Seller/Servicer must deliver a certified
      copy of the assignment sent for recordation to the Document Custodian. The original
      recorded assignment must be delivered to the Document Custodian immediately
      after the Seller/Servicer receives it from the recorder’s office. If a jurisdiction
      does not accept assignments for recordation, the Seller/Servicer must so indicate
      in an affidavit delivered to the Document Custodian with the unrecorded Intervening
      Assignment. ❑ The following documents, if applicable: 1. The original Freddie
      Mac Multistate Agreement to Convert, Form 3180 2. The original assumption agreement
      3. The original addendum 4. The original or a certified copy of the power of
      attorney, if original is sent for recordation 5. The original, or a certified
      copy if the original is sent for recordation, of the Multistate Loan Modification
      Agreement (to a Fixed Interest Rate), Form 5161, or comparable modification
      agreement that complies with the Guide 6. The original or a certified copy of
      Form 3172, New York Consolidation, Extension and Modification Agreement (NY
      CEMA), if original was sent for recordation. Note: See Section 4101.11 for additional
      documentation delivery requirements for Mortgages originated using a NY CEMA.
      7. For a modified Construction to Permanent Mortgage or a Renovation Mortgage,
      the original, or a certified copy if the original is sent for recordation, of
      the Construction to Permanent Modification Agreement ❑ Any other documentation
      that Freddie Mac, in its discretion, may require ■ Freddie Mac’s Mortgage Purchase
      Department (see Directory 8) must receive the following by the Delivery Date:
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 6301 As of 02/04/26
      Page 6301-14 ❑ For Pledged Mortgages: the forms required by Sections 6305.2(b),
      6305.3(a) and 6305.3(b) ❑ Any other documentation that Freddie Mac, in its discretion,
      may require ■ Freddie Mac (see Directory 9) must have received any other documentation
      that Freddie Mac, in its discretion, may require (iii)Additional Seller, Servicer
      and Document Custodian responsibilities Prior to or immediately after settlement,
      the Seller must enter the Freddie Mac loan numbers assigned to the Mortgages
      into the Seller’s system and associate such numbers with the Mortgages so that
      Seller can identify, track and service the Mortgages for Freddie Mac. If there
      is a Concurrent Transfer of Servicing, the Transferee Servicer must enter the
      Freddie Mac loan numbers assigned to the Mortgages by Freddie Mac into the Transferee
      Servicer’s computerized servicing system and associate such numbers with the
      Mortgages so that the Transferee Servicer may identify, track and service the
      Mortgages for Freddie Mac. For all Mortgages, the Seller, Servicer and Document
      Custodian must comply with all requirements in the Guide and other Purchase
      Documents. The Seller, Servicer, Document Custodian and/or their successors,
      assigns and transferees, as applicable, are fully responsible, on an ongoing
      basis, for the proper delivery, certification, identification and tracking of
      all Notes for Mortgages sold to Freddie Mac. (b) Mortgage substitutions To substitute
      a Mortgage for another Mortgage previously delivered to Freddie Mac for sale,
      as permitted or required by Freddie Mac, the Seller must submit the documents
      required by Section 6301.4(a). Upon confirmation of Freddie Mac’s acceptance
      of a substitute Mortgage, the Seller/Servicer may obtain the Note and related
      documents for the previously delivered Mortgage from the Document Custodian
      in accordance with Section 8107.2(c). If Freddie Mac requires substitution for
      a Mortgage, the Seller will deliver a Mortgage that meets all of the requirements
      of the Purchase Documents and has an outstanding principal balance that enables
      the Seller to fulfill the contract commitment amount. The Seller can change
      the terms of the contract to increase the commitment amount by executing a contract
      change request; the Seller will be required to pay a fee if Freddie Mac deems
      it necessary. The Seller will be required to pay Freddie Mac any differential
      between the outstanding Freddie Mac Single-Family Seller/Servicer Guide Chapter
      6301 As of 02/04/26 Page 6301-15 principal balance of the Mortgage being purchased
      by Freddie Mac and the Mortgage for which it is being substituted. The Seller
      must deliver such substitute Mortgage by the contract Due Date. If a substitute
      Mortgage has a different Note Rate from that of the previously delivered Mortgage,
      it must be within the Note Rate range established for the contract. 6301.5:
      Purchase, settlement and postsettlement adjustments procedures (12/03/25) This
      section contains requirements related to: ■ Purchase and settlement procedures
      ■ Postsettlement purchase adjustments (a) Purchase and settlement procedures
      (i) Preparation of Form 15/A/C, Loan Purchase Statement After reviewing the
      submitted Mortgages, Freddie Mac will generate Form 15/A/C, Loan Purchase Statement,
      which will summarize the pertinent data and will include a computation of the
      amount to be funded to the Seller. Depending on the type of purchase, Freddie
      Mac will generate one of the following forms: ■ Loan Purchase Statement for
      Cash sales ■ Form 15A for fixed-rate Guarantor ■ Form 15C for WAC ARM Guarantor
      (ii) Wire transfers Wire transfers made in connection with the purchase of Mortgages
      will be made only to the account of the Seller maintained with an eligible banking
      institution, such as: ■ A Federal Home Loan Bank, ■ A commercial bank, or ■
      A Federal Reserve Bank Freddie Mac Single-Family Seller/Servicer Guide Chapter
      6301 As of 02/04/26 Page 6301-16 The Seller may maintain an account with the
      Federal Reserve Bank for clearing checks only or for receiving and disbursing
      of wire transfers. Before instructing Freddie Mac to make a wire transfer to
      an account at a Federal Reserve Bank, the Seller must ensure: ■ The account
      is eligible to receive direct wire transfers, and ■ The Seller has submitted
      to Freddie Mac, as applicable, an approved Form 988SF, Certificate of Incumbency
      for a Bank, Savings Bank, Savings and Loan Association, Credit Union, Corporation
      or Limited Liability Company, or Form 989SF, Certificate of Incumbency for Limited
      Partnerships, that designates employees who are authorized to provide Freddie
      Mac with instructions (or to modify instructions) to transfer funds or securities
      on the Seller’s behalf in connection with the sale of Mortgages to Freddie Mac
      See Chapter 6305 regarding wire transfer instructions for the purchase by Freddie
      Mac of Mortgages subject to financing arrangements with Warehouse Lenders. Freddie
      Mac will not wire transfer funds for the credit of a Servicing Agent. (b) Postsettlement
      purchase adjustments Generally, purchase balances cannot be adjusted after settlement
      because the Mortgages have been pooled for resale. After settlement and before
      pooling has taken place, however, it may be possible to adjust a purchase balance.
      If the Seller has any question regarding purchase balances before funding, the
      Seller should contact 800-FREDDIE immediately. Thereafter, any questions must
      be directed to the Seller’s accounting representative at Freddie Mac (see Directory
      8). Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302 As of 05/06/26
      Page 6302-1 Chapter 6302: Mortgage Delivery Instructions 6302.1: Organization
      of delivery instructions for ULDD Data Points (02/04/26) In addition to complying
      with the document delivery requirements set forth in Chapter 6301, Mortgages
      sold to Freddie Mac must comply with the delivery requirements of this chapter.
      ■ General data and documentation delivery requirements ■ Organization of data
      delivery requirements ■ Relationship between this chapter and Appendix A ■ Other
      delivery instructions in this chapter ■ Seller’s warranties regarding accuracy
      of data The following sections of this chapter describe the data that must be
      provided by the Seller in connection with Mortgages sold to Freddie Mac. The
      data delivery instructions set forth in this chapter are consistent with the
      data requirements for the Uniform Loan Delivery Dataset (ULDD). The technical
      document for implementing Freddie Mac’s loan data delivery requirements for
      the ULDD is the Freddie Mac Implementation Guide for Loan Delivery Data (“Freddie
      Mac IG-LD”), which includes, among other resources: ■ Appendix A, XML Data Requirements
      (“Appendix A”), which details the subset of loan delivery data points specified
      in the MISMO® Version 3.0 Reference Model (“MISMO v3.0”) that is used for the
      ULDD ■ Appendix A Addendum (“ULDD Addendum”), which sets forth corrections to
      the data contained in Appendix A and amends Appendix A, as published For purposes
      of this chapter, references to Appendix A include the changes specified in the
      Appendix A Addendum. The Freddie Mac IG-LD, Appendix A and the other technical
      documentation relating to implementing the ULDD are found under the Technical
      Resources tab on the ULDD page at: https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uldd#technical-
      resources. Appendix G now contains Document Versions 1-4 of the Implementation
      Guide for Loan Delivery Data (Phases 1 through 3) Appendix D - Freddie Mac XML
      Data Requirements Reference Tool. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 6302 As of 05/06/26 Page 6302-2 (a) General data and documentation
      delivery requirements (i) Effective dates of Mortgage data delivery requirements
      For Mortgages delivered to Freddie Mac, the Seller must comply with the requirements
      for Mortgage data as applicable to the Application Received Dates and Delivery
      Dates specified in the table below: Mortgage Data Requirements According to
      Mortgage Application Received Date Application Received Date Delivery Date Mortgage
      Data Requirements On or after January 1, 2023 On or after May 22, 2023 The Seller
      must provide the applicable Mortgage data required for Phase 4a implementation
      specified in Appendix A on the “Phase 4a Complete” tab. On or after March 3,
      2025 On or after July 28, 2025 The Seller must provide the applicable Mortgage
      data required for Phase 5 implementation specified in Appendix A on the “Phase
      5 Complete” tab. (ii) Data delivered in MISMO v3.0 format The Mortgage data
      must be delivered in the MISMO v3.0 format pursuant to the guidance in the Freddie
      Mac IG-LD. (iii) Documentation of delivery requirements The documentation that
      the Seller must deliver for all Mortgages includes the delivery of Note(s) as
      described in Section 6304.2 and wire transfer instructions, if applicable, as
      described in Sections 2201.2, 6203.3(c), 6204.3(c), 6205.3(c), 6305.3(a) and
      6305.3(b). (iv) Timing of delivering data and documentation For each Mortgage
      sold to Freddie Mac, the Seller must deliver all Mortgage data and documentation
      required by this chapter and other applicable sections of the Purchase Documents
      prior to: ■ The Purchase Contract Expiration Date for Mortgages sold under the
      Cash program; or ■ The Final Delivery Date for Mortgages sold under the Guarantor
      or MultiLender Swap program (b) Organization of data delivery requirements The
      data delivery instructions set forth in this chapter are grouped by the following
      general topics: Freddie Mac Single-Family Seller/Servicer Guide Chapter 6302
      As of 05/06/26 Page 6302-3 ■ Mortgages sold under the Cash, Guarantor and MultiLender
      Swap programs (Sections 6302.2 through 6302.4) ■ All Mortgage Products sold
      to Freddie Mac (Section 6302.5) ■ The specific attributes of fixed-rate Mortgages
      and ARMs (Sections 6302.6 and 6302.7) ■ The property and Borrower information
      that is required for each Mortgage (Sections 6302.8 through 6302.9) ■ The underwriting
      information required for each Mortgage (Sections 6302.10 and 6302.11) ■ Mortgages
      with specific characteristics that require singular delivery instructions (Section
      6302.12 et seq.) The data delivery instructions are presented throughout this
      chapter in a tabular format, and include the following information: ■ The column
      titled “Sort ID” refers to the ID number used in Appendix A for the particular
      ULDD Data Point ■ The column titled “ULDD Data Point” sets forth the MISMO Data
      Point used in Appendix A ■ The column titled “Valid Value” sets forth the Freddie
      Mac supported enumerations specified in Appendix A that are applicable to the
      Mortgages described in the table. If a value must be selected for a ULDD Data
      Point, all permissible values are listed in the “Valid Values” column. If there
      are no valid values specified for a particular ULDD Data Point, the Seller should
      refer to the “Notes” for specific instructions on completing the “ULDD Data
      Point” field. ■ The column titled “Notes” provides specific delivery instructions
      for the ULDD Data Point that are consistent with the Implementation Notes set
      forth in Appendix A. If there are no notes for a particular ULDD Data Point,
      the Seller should enter the appropriate data based on the data point name and
      definition. ■ The column headers are followed by rows that map the listed data
      points to Loan Selling Advisor® graphical user interface (GUI) screen headings
      and sections. The rows below the column headers identify the data location in
      the named section of Loan Selling Advisor. The arrows represent the level in
      the GUI where the data point resides. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 6302 As of 05/06/26 Page 6302-4 Example: Data Required for Mortgages
      Delivered under the Cash Program Sort ID ULDD Data Point Valid Value Notes LOAN
      – Current ◄ → Payment Details ◄ The data delivery instructions are organized
      so that those with more general applicability (for example, eligible delivery
      programs and Mortgage loan product types) appear earlier in this chapter, and
      the instructions relating to Mortgages with special characteristics follow.
      The delivery instructions are cumulative, so that, for example, the Seller must
      provide data regarding the specific delivery program, the particular Mortgage
      product, the property, loan and Borrower, as well as any special characteristics
      that the loan may have. The data delivery instructions set forth in this chapter
      include requirements for delivery of Investor Feature Identifiers (IFIs) in
      connection with the sale of Mortgages to Freddie Mac, where applicable. IFIs
      identify a loan feature not defined by other attributes. A listing of IFIs is
      available in Exhibit 34, Investor Feature Identifiers. (c) Relationship between
      this chapter and Appendix A The data delivery instructions in this chapter are
      consistent with the data requirements set forth in Appendix A, and provide much
      of the same information as Appendix A. For example, the delivery instructions
      in this chapter provide the valid values for each of the ULDD Data Points required,
      together with any notes necessary to clarify the appropriate valid value; this
      information is similar to the columns of Appendix A titled “FRE-Supported Enumerations”
      and “Freddie Mac Implementation Notes.” The delivery instructions in this chapter
      differ from Appendix A in that they do not include, for example, cross-references
      to the phase-in information, and some information such as conditionality, loan
      role or party role type is presented in a narrative form rather than in a chart
      format. Additionally, the delivery information in this chapter is organized
      by Mortgage characteristics rather than in the ULDD Sort ID order format used
      in Appendix A. For a complete description of the delivery data required for
      Mortgages sold to Freddie Mac, the Seller must refer to Appendix A and any published
      addenda. (d) Other delivery instructions in this chapter This chapter also provides
      delivery instructions relating to eligible programs and pooling information.
      Additionally, this chapter describes the special delivery requirements applicable
      to modified Mortgages. Freddie Mac Single-Family Seller/Servicer Guide Chapter
      6302 As of 05/06/26 Page 6302-5 (i) Eligible delivery programs The sections
      of this chapter relating to the specific attributes of fixed-rate Mortgages
      and ARMs (Sections 6302.6 and 6302.7) and to Mortgages with special characteristics
      (Section 6302.12 et seq.) specify any limitations in the delivery programs.
      For purposes of these sections: ■ “Cash” means the Mortgage Product or offering
      is eligible under fixed-rate Cash and ARM Cash ■ “Guarantor” means the Mortgage
      Product or offering is eligible under the fixed-rate Guarantor and WAC ARM Guarantor
      programs ■ “MultiLender Swap” means the Mortgage Product or offering is eligible
      under the MultiLender Swap program If the delivery programs are not specifically
      limited, the Mortgage Product or offering is eligible for all delivery programs.
      (ii) Pooling information The sections of this chapter relating to Mortgages
      with special characteristics (Section 6302.12 et seq.) also specify any special
      pooling requirements applicable to the Mortgages. If no pooling requirements
      are specified, refer to Chapter 6202 for general pooling requirements for fixed-rate
      Mortgages under the fixed-rate Guarantor or MultiLender Swap programs, and for
      ARMs under the WAC ARM Guarantor program. (iii) Special instructions for modified
      Mortgages The sections of this chapter relating to modified Mortgages (Section
      6302.27 with respect to Seller-Owned Modified Mortgages and Section 6302.28(b)(iii)
      with respect to Construction to Permanent Mortgages and Renovation Mortgages
      with modification agreements) describe the special delivery instructions that
      are required to capture information about the Mortgage, both as modified and
      prior to modification. For modified Mortgages, all the applicable delivery data
      must be delivered under the “Modification” section of the Loan Selling Advisor
      GUI rather than under the “Closing” section of the GUI; data relating to the
      Mortgage prior to modification must be delivered under the “Closing” section
      of the GUI. Additional loan data requirements specific to modified Mortgages
      are set forth in Sections 6302.27 and 6302.28(b)(iii). (e) Seller’s warranties
      regarding accuracy of data By delivering the required Mortgage data to Freddie
      Mac, the Seller warrants that the data is true, complete and accurate. Incorrect
      or missing loan or delivery information may result in rejection of the Mortgage(s)
      involved if discovered before purchase or repurchase of the Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 6302 As of 05/06/26 Page 6302-6 Mortgage(s) involved
      if discovered after purchase. Additionally, Freddie Mac may pursue all other
      remedies available to it under the Purchase Documents and applicable law.'
  judgment: false
