Freddie Mac Single-Family Seller/Servicer Guide 4504.11 — Mortgage file requirements for HeritageOne® Mortgages

Freddie Mac Single-Family Seller/Servicer Guide 4504.11 — Mortgage file requirements for HeritageOne® Mortgages

Effective 2025-03-05 · Freddie Mac's stamp for this section

For HeritageOne® Mortgages, the Seller must maintain in the Mortgage file: ■ Evidence that the Eligible Native American Tribe within whose Tribal Area the Mortgaged Premises is located is included in the BIA’s most recent publication of the notice titled “Indian Entities Recognized by and Eligible To Receive Services From the United States Bureau of Indian Affairs” and: ❑ A copy of the fully executed memorandum of understanding between the Eligible Native American Tribe and Freddie Mac, if applicable ❑ A printout showing the Eligible Native American Tribe in the list of Eligible Native American Tribes on Freddie Mac’s website ❑ A printout showing the Eligible Native American Tribe in HUD’s most recent Section 184 Participating Tribes List; or ❑ Documentation issued by HUD indicating unconditional approval of the Eligible Native American Tribe as a participating tribe ■ Documentation verifying the Borrower is an enrolled member of a Native American Tribe: ❑ A copy of the Borrower’s tribe-issued enrollment card; or ❑ A copy of a tribe-issued letter indicating the Borrower’s enrollment as a member of the Native American Tribe ■ Evidence of the land ownership interest (e.g., tribal trust land, allotted trust land, unrestricted or restricted fee simple land, etc.) of the Mortgaged Premises and the court system that has jurisdiction over the Mortgaged Premises ■ A copy of the certified title status report(s) obtained from the BIA, if applicable ■ To the extent possible, the following contact information for the Eligible Native American Tribe within whose Tribal Area the Mortgaged Premises is located: ❑ If different from the contact information listed in the Tribal Leaders Directory maintained by the BIA, documentation listing the Eligible Native American Tribe’s contact information in a substantially similar format ❑ Contact information for the Eligible Native American Tribe’s office of real estate services, if applicable; and ❑ For leasehold Mortgages, contact information for the party that manages lease agreements on behalf of the Eligible Native American Tribe or the lessor (e.g., management company), if applicable ■ For purchase transaction Mortgages secured by 2- to 4-unit properties, evidence of completion of the landlord education program, if required

Source: Freddie Mac Single-Family Seller/Servicer Guide 4504.11 — Mortgage file requirements for HeritageOne® Mortgages · source URL · snapshot 4c94f67729042dd6