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Freddie Mac eMortgage & Registration of an eNote in the MERS(r) Page 17: FHLMC(R) Freddie Mac(r) CREDITORS Loan Correspondents' eNotes and eMortgages MERS(r) Exchange Clearing House MERS Members or Assignment of Mortgage Non-MERS Members - FreddieMac Single-Family Seller/Servicer Guide and Seller/Servicer’s other Secondary Market Servicer - Investor Purchase Documents

Freddie Mac eMortgage & Registration of an eNote in the MERS(r) Page 17: FHLMC(R) Freddie Mac(r) CREDITORS Loan Correspondents' eNotes and eMortgages MERS(r) Exchange Clearing House MERS Members or Assignment of Mortgage Non-MERS Members - FreddieMac Single-Family Seller/Servicer Guide and Seller/Servicer’s other Secondary Market Servicer - Investor Purchase Documents

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Published by Mary Cochrane
eMortgage Guide is intended to provide Seller/Servicers, Custodians, SystemProviders, and other mortgage industry participants with Freddie Mac’s requirementsregarding eMortgages.
Registered Trademark Notice Freddie Mac® is a registered trademark of the Federal Home Loan Mortgage Corporation.
Adobe® Reader® is a registered trademark of Adobe Systems Incorporated.
ALTA® is a registered trademark of the American Land Title Association ®.
MERS® is a registered trademark of MERSCORP, Inc.
MISMO® is a registered trademark of the Mortgage Bankers Association.

Fannie Mae(r) FNMA(R) Federal Debt Facility - Debt Securities -
Loan Brokers HUD TITLE II Sponsored Originators - New Real Estate Closed Mortgages created during Pre-Foreclosure

FHLMC(r) Freddie Mac(r) Creditors Loan Correspondents Federal Home Loan Mortgage Corp Guidebaook
DISCLOSURE NOTICE, DISCLAIMER

This eMortgage Guide has been prepared by Freddie Mac for its Seller/Servicers thatenter into negotiated agreements with Freddie Mac to originate, sell and serviceelectronic Mortgages to Freddie Mac. eMortgages are Mortgages that are originated using an electronic Note, or “eNote.” An eMortgage may also have an electronic or paper Security Instrument and certain other paper or Electronic Records, which are partof the Mortgage File Documents.

If a Seller/Servicer enters into an agreement with Freddie Mac to sell or service eMortgages, the requirements contained herein will be incorporated into and become a part of and will amend and supplement the FreddieMac Single-Family Seller/Servicer Guide and Seller/Servicer’s other Purchase Documents.

MERS MEMBER SEARCH Link
Please Select A Company Below:
Federal Home Loan Bank of Atlanta
Federal Home Loan Bank of Boston
Federal Home Loan Bank of Chicago, as MPF
Federal Home Loan Bank of Cincinnati
Federal Home Loan Bank of Dallas
Federal Home Loan Bank of Indianapolis
Federal Home Loan Bank of New York
Federal Home Loan Bank of Pittsburgh
Federal Home Loan Bank of San Francisco
Federal Home Loan Bank of Seattle
Federal Home Loan Bank of Topeka
Federal Home Loan Mortgage Corporation
https://www.mersonline.org/mers/mbrsearch/mbrsearch.htm
eRegistry eDelivery Participants
Source Link:
http://www.freddiemac.com/singlefamily/elm/pdf/eMortgage_Guide.pdf
Corporate Name: Federal Home Loan Mortgage Corporation
Address: 8200 Jones Branch Drive
City,State,Zip: McLean, VA
Toll Free Number:
Direct Number: (703) 918-8579
Fax Number: (703) 738-2141
Primary Contact: mers@freddiemac.com .
Website: http://www.freddiemac.com
Member Org ID: 1000106
Lines Of Business: Servicer, Subservicer, Investor, Document Custodian
eRegistry Participant: Yes
eDelivery Participant: Yes

Back To Member Search
Copyright© 2012 by MERSCORP Holdings, Inc.
1-800-646-MERS (6377)
Other products or company names are or may be trademarks or registered trademarks and are the property of
their respective holders.

Fannie Mae(r) FNMA(R) Federal Debt Facility - Debt Securities -
New Real Estate Closed Mortgages created during Pre-Foreclosure
eMortgage Guide is intended to provide Seller/Servicers, Custodians, SystemProviders, and other mortgage industry participants with Freddie Mac’s requirementsregarding eMortgages.
Registered Trademark Notice Freddie Mac® is a registered trademark of the Federal Home Loan Mortgage Corporation.
Adobe® Reader® is a registered trademark of Adobe Systems Incorporated.
ALTA® is a registered trademark of the American Land Title Association ®.
MERS® is a registered trademark of MERSCORP, Inc.
MISMO® is a registered trademark of the Mortgage Bankers Association.

Fannie Mae(r) FNMA(R) Federal Debt Facility - Debt Securities -
Loan Brokers HUD TITLE II Sponsored Originators - New Real Estate Closed Mortgages created during Pre-Foreclosure

FHLMC(r) Freddie Mac(r) Creditors Loan Correspondents Federal Home Loan Mortgage Corp Guidebaook
DISCLOSURE NOTICE, DISCLAIMER

This eMortgage Guide has been prepared by Freddie Mac for its Seller/Servicers thatenter into negotiated agreements with Freddie Mac to originate, sell and serviceelectronic Mortgages to Freddie Mac. eMortgages are Mortgages that are originated using an electronic Note, or “eNote.” An eMortgage may also have an electronic or paper Security Instrument and certain other paper or Electronic Records, which are partof the Mortgage File Documents.

If a Seller/Servicer enters into an agreement with Freddie Mac to sell or service eMortgages, the requirements contained herein will be incorporated into and become a part of and will amend and supplement the FreddieMac Single-Family Seller/Servicer Guide and Seller/Servicer’s other Purchase Documents.

MERS MEMBER SEARCH Link
Please Select A Company Below:
Federal Home Loan Bank of Atlanta
Federal Home Loan Bank of Boston
Federal Home Loan Bank of Chicago, as MPF
Federal Home Loan Bank of Cincinnati
Federal Home Loan Bank of Dallas
Federal Home Loan Bank of Indianapolis
Federal Home Loan Bank of New York
Federal Home Loan Bank of Pittsburgh
Federal Home Loan Bank of San Francisco
Federal Home Loan Bank of Seattle
Federal Home Loan Bank of Topeka
Federal Home Loan Mortgage Corporation
https://www.mersonline.org/mers/mbrsearch/mbrsearch.htm
eRegistry eDelivery Participants
Source Link:
http://www.freddiemac.com/singlefamily/elm/pdf/eMortgage_Guide.pdf
Corporate Name: Federal Home Loan Mortgage Corporation
Address: 8200 Jones Branch Drive
City,State,Zip: McLean, VA
Toll Free Number:
Direct Number: (703) 918-8579
Fax Number: (703) 738-2141
Primary Contact: mers@freddiemac.com .
Website: http://www.freddiemac.com
Member Org ID: 1000106
Lines Of Business: Servicer, Subservicer, Investor, Document Custodian
eRegistry Participant: Yes
eDelivery Participant: Yes

Back To Member Search
Copyright© 2012 by MERSCORP Holdings, Inc.
1-800-646-MERS (6377)
Other products or company names are or may be trademarks or registered trademarks and are the property of
their respective holders.

Fannie Mae(r) FNMA(R) Federal Debt Facility - Debt Securities -
New Real Estate Closed Mortgages created during Pre-Foreclosure

More info:

Categories:Types, Research
Published by: Mary Cochrane on Aug 10, 2012
Copyright:Attribution Non-commercial

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01/07/2014

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Freddie Mac eMortgage GuideVersion 2.0
 
Freddie Mac eMortgage Guide v2.0 Page 2 of 49 November 2009
DISCLOSURE NOTICE, DISCLAIMER
This eMortgage Guide has been prepared by Freddie Mac for its Seller/Servicers thatenter into negotiated agreements with Freddie Mac to originate, sell and serviceelectronic Mortgages to Freddie Mac. eMortgages are Mortgages that are originatedusing an electronic Note, or “eNote.” An eMortgage may also have an electronic orpaper Security Instrument and certain other paper or Electronic Records, which are partof the Mortgage File Documents. If a Seller/Servicer enters into an agreement withFreddie Mac to sell or service eMortgages, the requirements contained herein will beincorporated into and become a part of and will amend and supplement the FreddieMac Single-Family Seller/Servicer Guide and Seller/Servicer’s other PurchaseDocuments.The requirements in this eMortgage Guide are subject to revision by Freddie Mac atany time at its sole discretion. Notwithstanding anything contained in the Freddie MacSingle-Family Seller/Servicer Guide or Seller/Servicer’s other Purchase Documents tothe contrary, any such revision shall be effective as of the date specified by FreddieMac. The information contained in this eMortgage Guide is not a statement of law anddoes not create any rights for any Seller/Servicer or any third party, other than FreddieMac. This eMortgage Guide replaces and supersedes, in its entirety, the Freddie MaceMortgage Handbook published in 2005.
Copyright Notice
This eMortgage Guide is protected by copyright law. All Content Copyright, 2009Freddie Mac. All Rights Reserved.
Registered Trademark Notice
Freddie Mac
®
is a registered trademark of the Federal Home Loan MortgageCorporation.Adobe
®
Reader
®
is a registered trademark of Adobe Systems Incorporated.ALTA
®
is a registered trademark of the American Land Title Association
®.
MERS
®
is a registered trademark of MERSCORP, Inc.MISMO
®
is a registered trademark of the Mortgage Bankers Association.
 
Freddie Mac eMortgage Guide v2.0 Page 3 of 49 November 2009
Table of Contents
Section 1: Introduction....................................................................................................61.1 Introduction.......................................................................................................61.2 Intent.................................................................................................................61.3 Interpreting Requirements Set Forth in This eMortgage Guide.......................61.3.1 Complying With eMortgage Requirements.................................................61.4 Capitalized Terms.............................................................................................61.5 Background.......................................................................................................7Section 2: eMortgage Eligibility Requirements.............................................................82.1 Seller Eligibility Requirements.........................................................................82.1.1 Seller Approval............................................................................................82.1.2 Selling eMortgages......................................................................................82.1.3 Eligible eMortgages.....................................................................................82.2 Document Custodian Eligibility Requirements................................................92.2.1 Document Custodian Approval...................................................................92.2.2 Electronic Document Custodial Agreement................................................92.2.3 Use of Additional Document Custodian......................................................92.3 Servicer Eligibility Requirements...................................................................102.3.1 Servicer Approval......................................................................................102.3.2 Servicing eMortgages................................................................................102.3.3 Transfer of Servicing and Custody............................................................10Section 3: Creating and Delivering Eligible eMortgages............................................113.1 eMortgage Closing System Requirements......................................................113.2 Electronic Transaction Disclosure and Consent........................................123.2.1 Who Must Expressly Consent....................................................................133.3 Electronic Signatures......................................................................................133.3.1 Establishing That the Borrower Used the eClosing System......................133.3.2 Identify the Electronic Signature Symbol or Process................................143.3.3 Identify the Electronic Record to Be Signed.............................................143.3.4 Establish the Borrower’s Intent to Use an Electronic Signature...............143.3.5 Attaching or Logically Associating an Electronic Record........................143.3.6 Ineligible Types of Electronic Signatures..................................................153.3.7 Presence at Signing....................................................................................153.3.8 Mandatory Electronic Record Types and Use of Tamper Seals................153.3.9 Types of Tamper Seals..............................................................................153.4 Authoritative Copy and Other Record Management Requirements...............153.4.1 Display and Formatting Rules...................................................................153.4.2 Post-Execution File Formats......................................................................163.4.3 Authoritative Copy....................................................................................163.4.4 Electronic Record Integrity........................................................................163.4.5 eClosing System Data Security..................................................................173.5 eClosing Transaction Record..........................................................................173.6 Title Insurance Requirements.........................................................................17

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