source:
  type: guide
  id: fhlmc-3301.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 3301.1 — Mortgage
    file
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 3301.1 — Mortgage
    file.
  coverage_tier: operative
obligations:
- id: fhlmc-3301.1-full
  canonical_id: fhlmc-3301.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 3301.1 — Mortgage
    file
  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 3301.1 — Mortgage
      file
    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: '3301.1: Mortgage file (11/19/25) This section contains requirements
      related to: ■ Mortgage file ■ Additional documentation to be retained in Mortgage
      file (a) Mortgage file The Seller (if it services the Mortgage for Freddie Mac)
      and any Transferee Servicer must maintain the Mortgage file in accordance with
      Chapter 3302 for so long as each services the Mortgage for Freddie Mac. The
      Mortgage file must contain all applicable documents listed in Chapter 3401 and
      in this chapter. Sellers that sell Mortgages under the Servicing-Released Sales
      Process must comply with the Mortgage file and related data retention requirements
      set forth in Exhibit 28A, Loan Servicing Purchase and Sale Agreement for Cash-Released
      XChange®. Except with respect to Mortgages sold under the Servicing-Released
      Sales Process as set forth above, for convenience with Transfers of Servicing,
      the Transferor Servicer may maintain copies of the Mortgage file content. Sellers
      and Transferor Servicers that retain copies of any or all of the Mortgage file
      must do so until the later of: ■ Seven years after all associated representation
      and warranty obligations expire as set forth in Loan Coverage Advisor®, or ■
      Seven years after any Transfer of Servicing The Mortgage file, its contents
      and any copies (and all associated data and information, whether stored electronically
      or otherwise) are and remain at all times the property of Freddie Mac. See Section
      1201.9 for additional information regarding Freddie Mac’s ownership of the Mortgage
      file, Mortgage data and related records in the possession of a Servicer. The
      Seller may redact or delete the Borrower’s Social Security number from all documents
      in the Mortgage file, provided that the Seller: ■ Delivers to Freddie Mac a
      complete Social Security number for each Borrower as required in Section 6302.9,
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 3301 As of 12/17/25
      Page 3301-2 ■ Delivers unredacted documents to Freddie Mac whenever the Mortgage
      file is submitted to Freddie Mac for quality control review in accordance with
      Section 3401.1(a), ■ Maintains the Borrower’s Social Security number in its
      electronic files as part of the Mortgage file, and ■ Provides the Servicing
      Transferee with the Borrower’s Social Security number in connection with any
      Transfer of Servicing (b) Additional documentation to be retained in Mortgage
      file The Seller/Servicer must retain in the Mortgage file all other Mortgage-related
      documents, including, but not limited to: ■ Any documents required under the
      Guide or other Purchase Documents ■ Any documentation requested by Freddie Mac
      ■ Any documentation commonly maintained in files of private institutional mortgage
      investors or servicers For each Mortgage secured by a Condominium Unit or a
      unit in a Planned Unit Development (PUD), or, for each Cooperative Share Loan,
      the Seller/Servicer must retain additional documentation required by Freddie
      Mac (e.g., for a Mortgage secured by a Condominium Unit, the declaration of
      condominium, bylaws and regulations). The Seller/Servicer agrees to deliver
      the documentation at its own expense to Freddie Mac when requested. Note: Unless
      specifically required by the Seller’s Purchase Documents, the documentation
      pertaining to a project does not need to be maintained in a Mortgage file (e.g.,
      see Section 5705.11(c) for Cooperative Share Loans). The Taxpayer First Act
      requires that the taxpayer’s consent be obtained prior to any disclosure of
      the taxpayer’s tax return or tax return information to a third party. If consent
      is required under the Act, the signed consent form must be: ■ Obtained in a
      timely manner, and ■ Placed in the Mortgage file Additionally, the Servicer
      must retain a copy of the signed consent form in the Mortgage file for each
      Mortgage for which a Servicer obtains tax return information on or after December
      28, 2019 as part of its Servicing activity for a Mortgage owned or securitized
      by Freddie Mac. Freddie Mac Single-Family Seller/Servicer Guide Chapter 3301
      As of 12/17/25 Page 3301-3'
  judgment: false
