Freddie Mac Single-Family Seller/Servicer Guide 6302.1 — Organization of delivery instructions for ULDD Data Points

In addition to complying with the document delivery requirements set forth in Chapter 6301, Mortgages sold to Freddie Mac must comply with the delivery requirements of this chapter. ■ General data and documentation delivery requirements ■ Organization of data delivery requirements ■ Relationship between this chapter and Appendix A ■ Other delivery instructions in this chapter ■ Seller’s warranties regarding accuracy of data The following sections of this chapter describe the data that must be provided by the Seller in connection with Mortgages sold to Freddie Mac. The data delivery instructions set forth in this chapter are consistent with the data requirements for the Uniform Loan Delivery Dataset (ULDD). The technical document for implementing Freddie Mac’s loan data delivery requirements for the ULDD is the Freddie Mac Implementation Guide for Loan Delivery Data (“Freddie Mac IG-LD”), which includes, among other resources: ■ Appendix A, XML Data Requirements (“Appendix A”), which details the subset of loan delivery data points specified in the MISMO® Version 3.0 Reference Model (“MISMO v3.0”) that is used for the ULDD ■ Appendix A Addendum (“ULDD Addendum”), which sets forth corrections to the data contained in Appendix A and amends Appendix A, as published For purposes of this chapter, references to Appendix A include the changes specified in the Appendix A Addendum. The Freddie Mac IG-LD, Appendix A and the other technical documentation relating to implementing the ULDD are found under the Technical Resources tab on the ULDD page at: https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uldd#technicalresources. Appendix G now contains Document Versions 1-4 of the Implementation Guide for Loan Delivery Data (Phases 1 through 3) Appendix D - Freddie Mac XML Data Requirements Reference Tool.

(a) General data and documentation delivery requirements (i) Effective dates of Mortgage data delivery requirements For Mortgages delivered to Freddie Mac, the Seller must comply with the requirements for Mortgage data as applicable to the Application Received Dates and Delivery Dates specified in the table below: Mortgage Data Requirements According to Mortgage Application Received Date Application Received Date Delivery Date Mortgage Data Requirements On or after January 1, 2023 On or after May 22, 2023 The Seller must provide the applicable Mortgage data required for Phase 4a implementation specified in Appendix A on the “Phase 4a Complete” tab. On or after March 3, 2025 On or after July 28, 2025 The Seller must provide the applicable Mortgage data required for Phase 5 implementation specified in Appendix A on the “Phase 5 Complete” tab. (ii) Data delivered in MISMO v3.0 format The Mortgage data must be delivered in the MISMO v3.0 format pursuant to the guidance in the Freddie Mac IG-LD. (iii) Documentation of delivery requirements The documentation that the Seller must deliver for all Mortgages includes the delivery of Note(s) as described in Section 6304.2 and wire transfer instructions, if applicable, as described in Sections 2201.2, 6203.3(c), 6204.3(c), 6205.3(c), 6305.3(a) and 6305.3(b). (iv) Timing of delivering data and documentation For each Mortgage sold to Freddie Mac, the Seller must deliver all Mortgage data and documentation required by this chapter and other applicable sections of the Purchase Documents prior to: ■ The Purchase Contract Expiration Date for Mortgages sold under the Cash program; or ■ The Final Delivery Date for Mortgages sold under the Guarantor or MultiLender Swap program

(b) Organization of data delivery requirements The data delivery instructions set forth in this chapter are grouped by the following general topics: ■ Mortgages sold under the Cash, Guarantor and MultiLender Swap programs (Sections 6302.2 through 6302.4) ■ All Mortgage Products sold to Freddie Mac (Section 6302.5) ■ The specific attributes of fixed-rate Mortgages and ARMs (Sections 6302.6 and 6302.7) ■ The property and Borrower information that is required for each Mortgage (Sections 6302.8 through 6302.9) ■ The underwriting information required for each Mortgage (Sections 6302.10 and 6302.11) ■ Mortgages with specific characteristics that require singular delivery instructions (Section 6302.12 et seq.) The data delivery instructions are presented throughout this chapter in a tabular format, and include the following information: ■ The column titled “Sort ID” refers to the ID number used in Appendix A for the particular ULDD Data Point ■ The column titled “ULDD Data Point” sets forth the MISMO Data Point used in Appendix A ■ The column titled “Valid Value” sets forth the Freddie Mac supported enumerations specified in Appendix A that are applicable to the Mortgages described in the table. If a value must be selected for a ULDD Data Point, all permissible values are listed in the “Valid Values” column. If there are no valid values specified for a particular ULDD Data Point, the Seller should refer to the “Notes” for specific instructions on completing the “ULDD Data Point” field. ■ The column titled “Notes” provides specific delivery instructions for the ULDD Data Point that are consistent with the Implementation Notes set forth in Appendix A. If there are no notes for a particular ULDD Data Point, the Seller should enter the appropriate data based on the data point name and definition. ■ The column headers are followed by rows that map the listed data points to Loan Selling Advisor® graphical user interface (GUI) screen headings and sections. The rows below the column headers identify the data location in the named section of Loan Selling Advisor. The arrows represent the level in the GUI where the data point resides. Example: Data Required for Mortgages Delivered under the Cash Program Sort ID ULDD Data Point Valid Value Notes LOAN – Current ◄ → Payment Details ◄ The data delivery instructions are organized so that those with more general applicability (for example, eligible delivery programs and Mortgage loan product types) appear earlier in this chapter, and the instructions relating to Mortgages with special characteristics follow. The delivery instructions are cumulative, so that, for example, the Seller must provide data regarding the specific delivery program, the particular Mortgage product, the property, loan and Borrower, as well as any special characteristics that the loan may have. The data delivery instructions set forth in this chapter include requirements for delivery of Investor Feature Identifiers (IFIs) in connection with the sale of Mortgages to Freddie Mac, where applicable. IFIs identify a loan feature not defined by other attributes. A listing of IFIs is available in Exhibit 34, Investor Feature Identifiers.

(c) Relationship between this chapter and Appendix A The data delivery instructions in this chapter are consistent with the data requirements set forth in Appendix A, and provide much of the same information as Appendix A. For example, the delivery instructions in this chapter provide the valid values for each of the ULDD Data Points required, together with any notes necessary to clarify the appropriate valid value; this information is similar to the columns of Appendix A titled “FRE-Supported Enumerations” and “Freddie Mac Implementation Notes.” The delivery instructions in this chapter differ from Appendix A in that they do not include, for example, cross-references to the phase-in information, and some information such as conditionality, loan role or party role type is presented in a narrative form rather than in a chart format. Additionally, the delivery information in this chapter is organized by Mortgage characteristics rather than in the ULDD Sort ID order format used in Appendix A. For a complete description of the delivery data required for Mortgages sold to Freddie Mac, the Seller must refer to Appendix A and any published addenda.

(d) Other delivery instructions in this chapter This chapter also provides delivery instructions relating to eligible programs and pooling information. Additionally, this chapter describes the special delivery requirements applicable to modified Mortgages. (i) Eligible delivery programs The sections of this chapter relating to the specific attributes of fixed-rate Mortgages and ARMs (Sections 6302.6 and 6302.7) and to Mortgages with special characteristics (Section 6302.12 et seq.) specify any limitations in the delivery programs. For purposes of these sections: ■ “Cash” means the Mortgage Product or offering is eligible under fixed-rate Cash and ARM Cash ■ “Guarantor” means the Mortgage Product or offering is eligible under the fixed-rate Guarantor and WAC ARM Guarantor programs ■ “MultiLender Swap” means the Mortgage Product or offering is eligible under the MultiLender Swap program If the delivery programs are not specifically limited, the Mortgage Product or offering is eligible for all delivery programs. (ii) Pooling information The sections of this chapter relating to Mortgages with special characteristics (Section 6302.12 et seq.) also specify any special pooling requirements applicable to the Mortgages. If no pooling requirements are specified, refer to Chapter 6202 for general pooling requirements for fixed-rate Mortgages under the fixed-rate Guarantor or MultiLender Swap programs, and for ARMs under the WAC ARM Guarantor program. (iii) Special instructions for modified Mortgages The sections of this chapter relating to modified Mortgages (Section 6302.27 with respect to Seller-Owned Modified Mortgages and Section 6302.28(b)(iii) with respect to Construction to Permanent Mortgages and Renovation Mortgages with modification agreements) describe the special delivery instructions that are required to capture information about the Mortgage, both as modified and prior to modification. For modified Mortgages, all the applicable delivery data must be delivered under the “Modification” section of the Loan Selling Advisor GUI rather than under the “Closing” section of the GUI; data relating to the Mortgage prior to modification must be delivered under the “Closing” section of the GUI. Additional loan data requirements specific to modified Mortgages are set forth in Sections 6302.27 and 6302.28(b)(iii).

(e) Seller’s warranties regarding accuracy of data By delivering the required Mortgage data to Freddie Mac, the Seller warrants that the data is true, complete and accurate. Incorrect or missing loan or delivery information may result in rejection of the Mortgage(s) involved if discovered before purchase or repurchase of the Mortgage(s) involved if discovered after purchase. Additionally, Freddie Mac may pursue all other remedies available to it under the Purchase Documents and applicable law.