Freddie Mac Single-Family Seller/Servicer Guide 1201.9 — The Mortgage file, Mortgage data and related records

Freddie Mac Single-Family Seller/Servicer Guide 1201.9 — The Mortgage file, Mortgage data and related records

Effective 2025-12-17 · Freddie Mac's stamp for this section

This section contains requirements related to: ■ Ownership ■ Permitted use of Mortgage data ■ Language (a) Ownership All of the following will be and will remain at all times the property of Freddie Mac: ■ All documents in the Mortgage file ■ All data related to Mortgages owned or guaranteed by Freddie Mac to which the Servicer obtains access in connection with any agreement with Freddie Mac, including, without limitation: ❑ Data in the documents in the Mortgage file (collectively, Mortgage data) ❑ All other documents and records related to the Mortgage of whatever kind or description (whether prepared or originated by the Servicer or others or whether prepared or maintained or held by the Servicer or others acting for and on behalf of the Servicer), including all current and historical computerized data files All of these records and Mortgage data in the possession of the Servicer are retained by the Servicer in a custodial capacity only. (b) Permitted use of Mortgage data The Servicer may use these records and Mortgage data only for the following purposes: ■ Servicing Mortgages (and, in compliance with the provisions of the Guide, retaining subservicers to service Mortgages) on behalf of, and in the interest of, Freddie Mac ■ As background information for the Servicer’s use related to marketing or cross-selling of the Servicer’s own primary market products and services in compliance with applicable laws, provided that such marketing and cross-selling does not involve disclosure of these records or Mortgage data to any third parties other than vendors assisting the Servicer in its marketing activities who are themselves bound by these requirements ■ As necessary, to enable a vendor to provide analytic services to the Servicer with respect to the Servicer’s Servicing portfolio, for the Servicer’s internal use only, provided the vendor is bound by these requirements, and ■ As necessary, to enable the Servicer to comply with its obligations under applicable law, including, without limitation, any disclosures required in connection with audits by regulatory agencies with jurisdiction over the Servicer’s operations Except as expressly authorized by Freddie Mac in writing, Servicers may not use or disclose, or authorize or permit third parties to use or disclose, these records or Mortgage data for any other purpose, including, without limitation, resale or licensing of Mortgage data, either alone or with other data. See Section 8101.4(c) for additional information related to Freddie Mac audits and access to Mortgage records and Section 8101.4(d) for additional requirements related to confidentiality. (c) Language All documents in the Mortgage file related to the origination of the Mortgage must be in English or must be translated into English by the document originator or an unaffiliated thirdparty translation service. Such translations must be attached to each non-English document, and the Seller represents and warrants to Freddie Mac that the translation is complete and accurate.

Source: Freddie Mac Single-Family Seller/Servicer Guide 1201.9 — The Mortgage file, Mortgage data and related records · source URL · snapshot 4c94f67729042dd6