Freddie Mac Single-Family Seller/Servicer Guide Section 3301.1 — Mortgage file

Freddie Mac Single-Family Seller/Servicer Guide Section 3301.1 — Mortgage file

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

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