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Freddie Automated Servicing Transfer (FAST ®) FAQ

Disclaimer

The information on this page is not part of, and is not a replacement or substitute for, the requirements found in the Freddie Mac Single-Family Seller/Servicer Guide and your other Purchase Documents.

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What is FAST?

The FAST tool is used to upload loan files from the Seller to the Cash-Released XChange® and Co-Issue XChange® Transferee Servicers. With this tool, you can upload loan files easily and receive real-time confirmation and error messages.

NEW: What are the latest updates?

Beginning October 19, 2026, Sellers will access a refreshed FAST experience through Freddie Mac Gateway®. The new platform maintains FAST's core functionality while updating the user experience. Read the release notes for more details.

Why am I having trouble logging in using my FAST user ID and Password?

FAST is a tool in Freddie Mac Gateway®, and Sellers log in using their Freddie Mac Gateway credentials. If you're having trouble logging in please contact the security administrator within your organization to verify that you have access to the FAST tool. Sellers can register for FAST through Freddie Mac Access Manager. 

To change your password or if you forgot your password, navigate to the Freddie Mac Gateway Single Sign-On page, and select “Forgot Your Username / Password” located below the “sign-on” button.

What are the file and content requirements when uploading loan files into FAST?

The file type must be:

  • Formatted as a .zip file or compressed as a WINZIP file
  • Contain imaged documents (in PDF format) for only one specific loan.


The .zip file name must be constructed as follows:

  • Freddie Mac nine-digit Loan number
  • Dash (-)
  • Freddie Mac six-digit, Servicer Identification Number
  • Dash (-)
  • End with a specific numbering sequence (1, 2, 3, etc.). If you upload multiple .zip files for one loan, number the files in sequential order (e.g. if it’s the first upload file for a specified loan, the number is 1; if it’s the second upload for the same file, the number is 2, etc.).


Note: The file extension (.zip) doesn't need to be manually added to the file name; it will be added automatically when the file is saved.

How do I know whether my file was delivered to the Transferee Servicer?

Use the Reporting function in FAST to generate a reconciliation report based on your selected criteria. The report will be available in the same .CSV format but will no longer be generated automatically. Check the “Delivery Date Time” column to confirm delivery. If the column is not populated, re-upload the file.

Why did my documents fail to upload?

Files that fail to upload will receive error messages. Reasons files fail to upload include:

  • The uploaded file is not a .zip file.
  • File uploaded was not named correctly (see question 4).
  • File uploaded doesn't match the correct Servicer Identification Number
  • The .zip file contains a folder.
  • Loan has not funded.
  • A loan file with the same sequence number has already been uploaded and processed.
  • The pdf(s) are damaged or corrupted and cannot be opened, or there is no pdf within the .zip file.
What are the benefits of using the FAST UI tool?

With this tool, you can upload loan files easily and receive real-time error messages to see if anything fails during processing to minimize delivery errors.

Can I use FAST for Co-Issue XChange or Correspondent XChange loans?

FAST is mandatory for Cash-Released XChange and available for select Co-Issue XChange loans serviced by participating FAST Servicers. FAST is currently not available for Correspondent XChange loans.

When are the files due?

Files are required to be uploaded to FAST within 3 business days after the loan funds with Freddie Mac.

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