All post-funding quality control (QC) mortgage file documentation must be delivered to Freddie Mac electronically. Paper is not permitted.

To expedite the review process, carefully review document checklists sent with file requests and remove duplicate, interim iterations and unrequested documentation and use the following delivery specifications.

Specifications for Uploading Loan Files for QC Review

File or File Folder Naming Convention

  • FMLoanNumber_LN

File Size

  • Not to exceed 1,000 pages.
    • Files in excess of 1,000 pages will be returned.
  • Not to exceed 100 MB.
    • Files exceeding 100 MB will be returned.

Format

Provide documents stacked in one bookmarked PDF (or one stacked PDF, if the file is not bookmarked). Please ensure that documents are clear and legible.

We will not accept:

  • Multiple PDF file deliveries.
  • Files containing single-page TIFF documents.
  • File types such as Word, Text or HTML.
  • Excel documents consisting of multiple tabs.
  • JSON files.

No Document Passwords

Documents must not contain primary or secondary passwords (e.g., appraisals, title work).

Document setting security methods should be set to no security and the document restriction summary should be allow all.

Multiple Loan Delivery for One Loan

Do not co-mingle files if there is a multiple file delivery for one loan file.

Document Order

Although a specific file order is not required, here is a recommended mortgage documentation file order that can help expedite the loan file review process:

  • Loan Approval
  • Loan Transmittal
  • Application
  • Collateral/Appraisal
  • Credit Report and Debt Verification
  • Employment/Income
  • Sales Contract
  • Miscellaneous Origination
  • Closing Disclosure/ HUD I
  • Note
  • Title
  • Flood
  • Mortgage Insurance (if applicable)
  • Assets
  • Compliance
  • Post Closing

File through Quality Control Advisor

Quality Control Advisor® (see sidebar for link) is a fast and secure way to meet the new electronic file submission requirement for QC reviews. In addition to being able to upload your loan files, QCA is your one-stop shop for managing your entire post-funding QC process, including monitoring loan file submissions and file review status and analyzing QC trends.

Learn more about Quality Control Advisor resources and training [pdf] (see sidebar for link) and review the Quality Control Advisor User Guide [pdf] (see sidebar for link) for details on the Upload Documents feature.

File through DMS for QC

You may also use Document Management System for QC Postfunding Review (DMS) to securely upload loan files. Review the DMS User Guide [pdf] (see sidebar for link) for details on submitting documents through DMS.

Need help?

If you are not already filing mortgage documents electronically, Freddie Mac can assist you in transitioning to electronic file submission. Contact your Freddie Mac QC representative.