Freddie Mac Selling System
Form 11/Form13SF
Interface Specifications Manual
Version 6.1
November 2006
NOTICE
This manual is the property of Freddie Mac. The manual includes confidential information and
trade secrets, which have been developed or acquired by Freddie Mac through the expenditure of
a significant amount of time and financial resources. As a condition to receipt of this manual,
the recipient of the manual agrees to maintain and protect the confidentiality of the manual and
the contents hereof and not to disclose or use any portion of the manual for any purpose other
than to the extent necessary to perform services for Freddie Mac.
Copyright 2006 Freddie Mac
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Form 11/13SF Specifications
Table of Contents
TABLE OF CONTENTS
Section I – Introduction
Purpose
File Overview
1
1
1
Section II – Planning and Preparation
Introduction
 Development
 User Acceptance Testing
 Freddie Mac Validation
 Freddie Mac Signoff
2
2
2
2
2
2
Section III – Interface Development
Overview
 Completing the Export Options
 Creating the Export File
 Form 11 File
 Form 13SF File
 Importing a File into the Selling System
 General Implementation Guidelines
Testing and Verification
3
3
3
3
3
4
4
5
6
Appendix A – Form 11 File Format
7
Appendix B – Form 13SF File Format
42
Appendix C – Exhibit 1 Instructions for Completing the First-Time Homebuyer Indicator Field
76
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Page i
Section I – Introduction
Form 11/13SF Specifications
PURPOSE
This Interface Specification document is intended for use by a Loan Origination vendor, lender with a
custom origination system or other approved system vendor to facilitate the development of the Form
11/Form 13SF interface between your product and the Selling System. The Form 11/Form 13SF Interface
is an automated means to send loan data to the Selling System for faster, more efficient loan delivery and
funding. Imported loans will automatically populate the corresponding data fields in the Selling System.
Freddie Mac is providing this interface manual to better meet the business needs of our customers who
transmit loans to Freddie Mac for funding.
OVERVIEW
Exporting data to the Selling System using the Form 11 and/or 13SF formats will save customers the time
and effort of re-entering loan data for delivery. Customers will have the ability to export and re-export
loan data when needed for fixed rate (Form 11) and ARM (Form 13SF) loans.
The following figure shows how the Form 11/Form 13SF Interface works from a high-level business
perspective.

The vendor’s system builds the Form 11/Form 13SF files according to format.

File is named according to naming standard.

File is written to location determined by user.

User launches a browser and opens a session in the Selling System.

User selects Import Loans, selects the import file format and imports the file. The three file formats
are:


Default Form 11

Default Form 11 Servicing Released

Default Form 13
After import, the user views the Import Loan Result screen.
LOS: EXPORT
LOAN FILE
SELLING SYSTEM:
IMPORT LOAN FILE
Form 11
File
Form 13SF
File
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Form 11/13SF Specifications
Section II –Planning and Preparation
INTRODUCTION
The ability to export loan data in the Form 11 or 13SF format is designed to provide a fast, efficient way
for our customers to transmit loan data for delivery. This capability can provide our customers a
competitive edge by allowing them to select and submit a large number of loans for delivery faster and
accurately than by manual entry.
We want to ensure that our relationship during your Interface development process is clearly defined. We
will work with you to build a smooth, user-friendly, and efficient interface. This section describes typical
development milestones.
Development




After you have reviewed these specifications, your Freddie Mac relationship manager will arrange a
‘kickoff’ telephone call to introduce you to your Freddie Mac verification analyst. This provides a
forum to address your preliminary questions and discuss the verification process.
You will develop the capability to create files in accordance with the Selling System Interface
specifications.
Freddie Mac will provide you with the Form11/Form 13SF Verification Test Case Binder, which
contains test cases.
You will provide your Freddie Mac Verification Analyst with your project plan, showing key
milestones and timelines.
User Acceptance Testing
As the developer, you will verify your ability to:



Create a well-formed, fully validated Form 11 File.
Create a well-formed, fully validated Form 13SF File.
Freddie Mac Validation



You will e-mail your Freddie Mac Verification Analyst the Form 11 and 13SF test files that your
system generated.
Your Freddie Mac Verification Analyst will validate your import files and communicate any
corrections that need to be made to the import data or to your system’s design/mapping.
This process is repeated until all test cases are successfully completed.
Freddie Mac Signoff
Freddie Mac will provide a verification letter documenting that your system meets the requirements set
forth in these specifications.
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Form 11/13SF Specifications
Section III –Interface Development
OVERVIEW
The Form 11/Form 13SF Interface will provide an easy and efficient means for the customer to transmit
loan data to the Selling System. The options described below will allow the customer to create and export
data to Freddie Mac and take advantage of the flexible features offered by the Selling System.
Completing the Export Options
The LOS should have the following capabilities for creating an export file. Some capabilities may be user
controlled or system generated.

Provide a function to select any number of loans to be included in the file exported from the LOS.
This function should include the ability to filter loans to group them by similar characteristics, i.e.,
current date, mortgage product, contract number, property state, settlement date, etc.

Automatically select the File Format Type based on the type of loans selected for export. The three
file format types for exporting data in the Selling System are Form 11, Form 11 Servicing Released
and Form 13SF.

Provide the capability for the user to enter the file name and extension or allow the LOS to
automatically generate the file name.

Provide the capability for the user to indicate where the file should be saved or allow the LOS to use a
standard location.

Provide the capability for the user to enter the Contract Number prior to creating the import file when
all of the loans in the import file will be allocated to a specific contract with the import. If the
contract number is not included in the file, the Selling System will provide the opportunity prior to
import. If no contract number is provided prior to import, the user will be required to enter the
contract number after the import for each loan, individually.
The following user capabilities should be made available after the export file as been created:

Display results after the file has been created, including: total loans in the export file, new loans
exported, and re-exported loans. Contract Number if available.

View Export File prior to import into the Selling System.
Creating the Export File
The Loan Origination System should have the capability to build three types of export files: Form 11,
Form 11 Servicing Released and Form 13SF. Each is described below.
Form 11 File (Servicing Retained and Released)
All loans included in the Form 11 File must have a fixed interest rate and may be imported at any
point during the life cycle of a loan including origination, underwriting, and post closing. The export
file may include multiple fixed rate products.
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Form 11/13SF Specifications

Section III –Interface Development
Form 13SF File
All loans included in the 13SF File must be an ARM loan and may be imported at any point during
the life cycle of a loan including origination, underwriting, and post closing. The export file may
include multiple ARM products.
Importing a File into the Selling System
Select Import Loans from the left menu bar and the Selling System will display the following screen
The user will be asked to specify:

Import file name (Browse function available)

Data Template (drop down choices)

Loan Product Name (Optional field). Enter the Product Name if all loans in the file are the same
product. If no product is entered, the customer will have to assign a mortgage product to each loan
manually and individually after importing it to the Selling System.
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Form 11/13SF Specifications

Section III –Interface Development
Contract Number: Under the title “Specification of Contract #”, there are several choices. The user
will choose to enter a contract number or pool # on the screen and all loans in the export file will
automatically be added to that contract upon import. If Contract Numbers have been specified in the
file, this number will be used instead of the screen number. If there is an incorrect contract # in the
file, or if it is a pool #, allocation attempts will fail – the loans will be entered in the system, but for
cash only the customer will have the option to allocate from the Contract Details screen after
importing to the Selling System.
An option is provided to preview the import file. The Selling System will display the values for the first
two loans prior to import. The preview should be used to verify that the data fields are properly mapped.
If there are formatting errors, the preview will fail and a message will be displayed.
After an import, the Import Loan Results screen will show error results if applicable. THe types of error
results are:
 Import Errors: the user will click on the number to see the reason the import of a specific loan failed.
 Allocation Errors: the user will click on the number to see the reason for failure to allocate.
 Eval Errors: if the user choose to evaluate loans, the number of loans with Critical errors will be
displayed. Clicking on the number of errors will provide a report of those errors. If no loan had
critical errors but some had warnings, there will be a “W” instead of a number. Clicking on the W
will show all of the warning messages.
The Selling System allows the customer to re-import a loan. When re-importing a loan, all data in the
vendor’s system for a loan should be included in the file . The existing loan will be over-written in the
Selling System. Refer to the Selling System documentation for further information,
General Implementation Guidelines

The Selling System is currently limited to Sellers only. Custodians may export loans from the system
and reimport

Imported loans may be allocated toMandatory cash contracts (servicing retained or released) .Best
Efforts loans may be modified for allocation to a Guarantor contract. Loans may be fixed rate or
ARMS.

Because the Form 11/Form 13SF files are fixed record length files, any empty or unused fields should
be represented by blanks or zeros to maintain proper file spacing.

Numeric fields are right-justified with leading zeros. Fields with no entry should be represented by
spaces.

Alphanumeric fields are left-justified and space-filled. Fields with no entry should be represented by
spaces.

All fields are mandatory for final delivery to Freddie Mac, if applicable. It is recommended that you
build your import file to incorporate all the fields as applicable.

There are two required fields for import. They are noted by an asterisk in Appendices A and B. The
Seller Loan Number and primary borrower’s name are used to make each loan unique. The
borrower’s name is parsed into first and last name. If all three data elements are identical to an
existing loan, a new loan will not be created. An existing loan will be overwritten. The required
format is Last Name, First Name (Doe,John)

A loan may be imported at any point in the life cycle of a loan including origination, underwriting,
and post closing. Once a loan is imported, it may be re-imported. This process will overwrite the
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Page 5
Section III –Interface Development
Form 11/13SF Specifications
existing loan in the Selling System and replace it with the re-imported loan as long as the loan has not
gone into Settlement Locked status. Also, changes cannot be made to certified fields. Settlement
Locked Status is when the loans are locked for settlement. Additionally, Best Efforts loans have
some fields locked when they are allocated to a Best Efforts contract. Certifiable fields are locked
once a 1034 is created.

Currently, the maximum number of loans per file for a Guarantor contract is 200.

The import file name is determined by the LOS or the customer.

The import file extension is determined by the LOS or the customer. The extension can be any three
letters or numbers or combination thereof except extensions used by Microsoft products (i.e., xls, doc,
dat, ppt, msp) or system executables (exe). Regardless of the extension, the file type should be
ASCII.

The import file location is determined by the LOS or the customer.

Large files with multiple products or multiple contracts should be avoided as they will require the
customer to address each loan manually and individually by assigning a product or contract number.
It is more efficient to group loans by contract or product when sending large numbers of loans.
TESTING AND VERIFICATION
This section describes the Freddie Mac testing process and the deliverables that must be incorporated into
the development project plan.
A typical life cycle schedule is presented below. If Freddie Mac implements new functionality, the
testing process may change. You will be provided with a test binder with detailed instructions. A Freddie
Mac relationship manager will be available to discuss the details of the test binder and assist you during
the verification process. During the kickoff meeting, your Freddie Mac relationship manager will discuss
deliverables, which will include a project plan. All developers are required to complete these deliverables
as part of the verification process.
Project Planning and Deliverables
Task
Description
Verification Kick-off Meeting
A Freddie Mac relationship manager
will initiate a conference call to
introduce you to your Freddie Mac
Verification Analyst who will guide
you through the process.
Development
Your system should be developed in
accordance with this interface
specification document.
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Section III –Interface Development
Form 11/13SF Specifications
Project Planning and Deliverables
Task
Description
System Testing and User Acceptance
Testing (UAT)
Your system must be tested
internally to confirm that it has been
developed in accordance with this
interface specification document.
Freddie Mac will provide a suite of
test cases with loan criteria that can
be used to generate export files.
Interface Verification – Data
Validation
Freddie Mac will verify that your
system is able to support all
applicable Form 11/Form 13SF
fields, i.e., that the export file is
being built correctly. The files must
be captured, and the data e-mailed to
Freddie Mac for review.
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Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
APPENDIX A
FORM 11 File Format
(HMDA Release Effective 1/1/2004)
General Instructions

Fields marked with an asterisk (*) are required fields for importing a loan and creating a loan in the Selling System.

All fields are mandatory for final delivery to Freddie Mac. It is recommended that you build your import file to incorporate all
the fields as applicable.

Numeric fields are right-justified with leading zeros. Fields with no entry should be represented by blanks or zeros.

Alphanumeric fields are left-justified and space-filled. Fields with no entry should be represented by blanks.

Sellers may have negotiated terms to deliver data not represented in this appendix. Noted fields in this appendix (i.e.,
reference code, MI company code, etc.) may have negotiated values not referenced here and the developer will need to
identify specific adjustments for each Seller.

A loan may be imported at any point in the life cycle of a loan including origination, underwriting, and post closing. Once a
loan is imported, it may be re-imported. This process will overwrite the existing loan in the Selling System and replace it
with the re-imported loan as long as the loan has not gone into Settlement Locked status (i.e., allocated to a contract). Also,
changes cannot be made to certified fields.
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Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Start
Length
Filler
Freddie Mac
Loan Number
1
5
4
9
Spaces
Spaces
Freddie Mac
Contract Number
14
10
A/N
*Seller Loan
Number
24
13
A/N
Filler
Property Type
37
43
6
1
Spaces
A/N
Property
Address
Property City
44
30
A/N
74
20
A/N
Property State
94
2
A/N
Property Zip
Code
96
9
A/N
Field Name
Format
Short Definition
Valid Values
Comments
A Freddie Mac supplied
number assigned to the
Mortgage by the
Seller/Servicer.
The number of the
Freddie Mac Purchase
Contract under which
these Mortgages are sold.
Nine digit Freddie Mac
provided number
The Selling System assigns the number
when the loan is allocated to a contract.
This file should not be sent on import
Ten digit alpha/numeric
number provided by
Freddie Mac.
If the contract number is included in the
import file, the loans will be allocated to
the contract specified. If the contract
number is not included in the import,
the user can still enter it on the Selling
System screens.
Required as one of the two import
fields needed to create a loan.
The unique identification
number assigned by the
Seller to the mortgage.
The type of property
secured by the mortgage.
The street address of the
property.
The city where the
property is located.
The state where the
property is located.
The zip code where the
property is located.
Valid codes:
1 = Condominium
2 = Leasehold
3 = PUD
4 = Manufactured
Housing
5 = 1-4 Family Fee
Simple
The zip code field
allows for 9 digits to be
entered if available.
Do not enter the
hyphen for the full zip.
Example:
Enter 12345-6789 as
123456789.
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Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
*Borrower Name
Start
Length
105
20
Format
A/N
Short Definition
The name of the Borrower
who is obligated to repay
the Note secured by the
property.
Valid Values
Enter the Borrower’s
last name, then a
comma, followed by
the first name.
Example:
Enter John Smith as::
Smith,John
Purpose of Loan
Code
125
1
A/N
Describes how the loan
proceeds will be used.
Original Loan
Amount
126
9
N
Decimal-0
The original principal
amount of the loan as
indicated on the Note or
the loan amount at time of
Note modification or
conversion.
Current Unpaid
Principal
135
11
N
Decimal - 2
The current unpaid
principal balance of the
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Valid codes:
1 = Purchase (owneroccupied)
2 = Refinance (owneroccupied)
3 = Purchase
(investment
property)
4 = Second Home
(purchase or
refinance)
5 = Refinance
(investment
Property)
Whole Dollars only
(omit the cents).
Example:
Enter $225,000.00 as
000225000
This amount should
include dollars and
Comments

Required as one of the two import
fields needed to create a loan.
 The field will be parsed.
 All characters before the comma
will be considered the last name.
 All characters after the comma will
be considered the first name.
 If the last name is longer than 19
characters, truncate it. Put a
comma in the 19th position and the
first letter of the first name in the
20th position.
 the first name is a certifiable field
and should be as it is shown on the
note
For a refinance mortgage (purpose of
loan codes 2,4 and 5), designate in the
SCC fields whether the loan is a cashout or no cash-out refinance using one
of the following SCC codes:
 003 = cash-out refinance
 007 = non cash-out refinance



For Seller-Owned Modified
Mortgages the loan amount as of
the modification date.
For Converted Mortgages, the loan
amount as of the Conversion Date.
For construction to permanent
Mortgages, the loan amount of the
permanent Mortgage.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Balance
Short Definition
Mortgage at the time of
delivery.
Valid Values
Comments
cents.
Example
Enter $225,000.00 as
00022500000
Interest Paid to
Date
146
6
YYMMDD
Interest Rate
152
5
N
Decimal - 3
The due date of the most
recent monthly P&I
Payment made by the
Borrower.
The original interest rate
as indicated on the Note.
Examples:
Enter 10.5% as 10500
Enter 5% as 05000
Enter 6 ¼% as 06250



P&I Payment
157
9
N
Decimal - 2
The full monthly principal
and interest (P&I)
payment as indicated on
the note (excluding taxes
and any insurance).
This amount should
include dollars and
cents.
Example:
Enter $1,500.00 as
000150000




Note Date
166
6
YYMMDD
The Original Note Date.


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For Seller-Owned Modified
Mortgage, the rate in effect after
modification.
For Converted Mortgages, the rate
in effect as of the Conversion Date.
For construction to permanent
Mortgage, the rate in effect for the
permanent Mortgage.
For Affordable Gold Mortgages the
Monthly P&I Payment must equal
the actual monthly P&I Payment
and not the subsidized monthly
payment for mortgages using
MCCs.
For Seller Owned Modified
Mortgages, the monthly P&I
payment in effect after modification.
For Converted Mortgages, the
monthly P&I payment in effect after
conversion.
For construction to permanent
Mortgages, the monthly P&I
payment for the permanent
Mortgage.
For Converted, Seller-Owned
Modified Mortgages, and one
closing construction to permanent
Mortgages, the Note Date must be
the Original Note Date.
For two closing construction to
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Maturity Date
172
6
YYMMDD
The date of the final
monthly P&I Payment as
indicated on the Note.
First P&I
Payment Date
178
6
YYMMDD
The due date of the first
full principal & interest
(P&I) payment as
indicated on the Note.
Loan Feature
184
2
A/N
Describes features
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Valid Values
Valid codes:
Comments
permanent Mortgages, if the
Borrower executes a new Note, the
Date of Note must be the original
Note Date of that new Note.
 If the Borrower executes a
modification agreement to convert
to permanent financing, the Date of
Note must be the original Note
Date.
 For Energy Conservation and
Rehab Mortgages the Date of Note
must be the date of Mortgage
funding and not the anticipated
date of final disbursement of the
Escrow Funds.
 For Balloon/Reset Mortgages, the
maturity date should equal the
Balloon/Reset Date.
 For Energy Conservation and
Rehab Mortgages, the Date of Note
must equal the date of Mortgage
funding and not the anticipated
date of final disbursement of the
Escrow funds.
 For Seller-Owned Modified
Mortgages, the maturity date of the
Note after modification.
 For Seller-Owned Modified
Mortgages, the due date of the first
full P&I payment of the modified
Mortgage.
 For Converted Mortgages the due
date of the first full P&I payment of
the Converted Mortgage.
 For one closing construction to
permanent Mortgages, the due
date of the first full P&I payment of
the permanent Mortgage.
Currently the Valid Values accepted by
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
associated with a
mortgage.
Loan to Value
Ratio
186
3
N
Decimal - 2
Number of
Unit(s)
189
1
N
Decimal-0
The ratio obtained by
dividing the original loan
amount by the lesser of
the property’s appraised
value or its purchase
price.
The number of dwelling
units in the property.
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Valid Values
Comments
B = Buydown Plan
R = Premium
Financing funded
buydown plan on
purchase
transaction
Mortgages
S = Shared Equity Plan
X = Shared
Equity/Buydown
Plan
K = Capitalized
Mortgage
F = FHA Loan
V = VA Loan
N = Native American
P = Affordable Gold
3/2
Q = Affordable Gold
97
H = Guaranteed Rural
Housing or
Affordable Gold
Mortgages with
Rural Housing
Services
Leveraged
Seconds
the Selling System are:
F = FHA Loan
V = VA Loan
P = Affordable Gold 3/2
Q = Affordable Gold 97
H = Guaranteed Rural Housing
K = Capitalized Mortgage
Example:
Enter 95% as 095.
Always round up to the
next whole number.
For example 94.001 is
entered as 095.
Use 1,2,3 or 4 in this
field indicating the
number of units.
The Selling System, will accept this field
on impor, but will calculate the LTV
based on the loan data provided.
The remaining values are for future
functionality
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Start
Length
Condo Name
190
20
A/N
Project
Classification
210
1
A/N
MI Company
211
2
A/N
Field Name
Format
Short Definition
The name of the
Condominium project.
The classification of the
condominium project.
The code that identifies
the Mortgage Insurance
company approved by
Freddie Mac.
Valid Values
Mandatory for Property Type 1 only.
Valid codes:
1 = Project Class I
2 = Project Class II
3 = Project Class III
Please note, Sellers
may have negotiated
MI Company Codes
that are not listed
below.
38 = CMG
01 = General Electric
(GEMICO)
06 = Guranty (MGIC)
11 = PMI
33 = Radian
13 = Republic Mtg
Insurance (RMIC)
24 = Triad Guaranty
(Triad)
12 = United Guaranty
(UGRIC)
31 = CalHFA
37 = MI Mass HFA
05 = CMG
02 = Verex
16 = HGIC
26 = FGIC
19 = USMIC
20 = IMGC
39 = FL HFA
70 = TMIC
71 = PHBC
For government
guaranteed mortgages,
the valid values are:
89 = Section 502
Guaranteed Rural
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Comments
Mandatory for Condominiums only.
Mandatory for loans over 80% LTV,
unless otherwise specified.
Code 89 and 97 are for future use.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
Housing
97 = Original LTV ratio
greater than 80%,
and mortgage
insurance has
been canceled
prior to delivery.
MI Certificate #
MI Loss
Coverage%
213
223
10
3
A/N
N
Decimal-0
Reduced
Documentation
226
1
Spaces
Borrower Social
Security Number
Borrower‘s First
Payment Change
Date
Borrower’s Initial
P&I Payment
Yearly Payment
Increase %
227
9
A/N
236
8
Spaces
244
9
Spaces
253
5
Spaces
Filler
Credit Score
Value
258
261
3
4
Spaces
N
Decimal 0
The certificate number of
the mortgage insurance
policy covering the
Property.
The percentage of loss
coverage that the
mortgage insurance
company is providing for
the Mortgage.
Indicates whether the
loan was underwritten
using reduced
documentation.
The social security
number of the Borrower.
The first date the
Borrower’s monthly P&I
payment will change.
The first P&I Payment as
indicated on the note.
The percent by which the
Borrower’s scheduled
monthly payments may
increase each year.
The numeric value of the
Borrower’s Credit Score
or Indicator Score.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Mandatory for loans over 80% LTV, or
as otherwise specified.
For government guaranteed programs
(MI Company = 89, 97, or blank), leave
this field blank
Example:
Enter 20% as 020
Mandatory for loans over 80% LTV, or
as otherwise specified.
For government guaranteed programs
(MI Company = 89, 97, or blank), leave
this field blank.
Not applicable at this time
Valid 9 digit social
security number.
Not applicable at this time
Not applicable at this time
Not applicable at this time
Mandatory for servicing released or
Non-Loan Prospector conventional
Mortgages. [GRH, FHA, VA
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Developer’s Note: The LP
Decision Borrower Score
is equal to the Credit
Indicator Score.
Filler
Credit Score
Type
265
266
1
1
Spaces
A/N
MERS #
(Mortgage
Identification
Number (MIN))
267
18
A/N
Offering Code
285
3
A/N
The method used to
select the Credit Score
Value (Indicator Score)
entered in the Credit
Score Value field.
The unique number
assigned to each loan
registered on the
Mortgage Electronic
Registration System
(MERS).
The codes used to
identify specific mortgage
purchase offerings.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
mortgages must not have a CSV] The
field may be left blank for Non LP
Mortgages when the Credit Score Type
equals “I” or “T”:
I = significant inaccurate credit
information
T = insufficient credit information
The Credit Score Type
represents the method
used to select the
Credit Score Value.
Valid codes:
1 = Middle/lower then
lowest method
2 = Middle/lower than
average method
3 = Average/average
method
I = Credit Score is
unusable due to
significant
inaccurate credit
information.
T = Credit Score is
unusable or not
available due to
insufficient credit
information.



Mandatory for conventional
Mortgages not processed through
Loan Prospector.
Mandatory for GCX servicing
released Mortgages.
If you enter a Credit Score Value
(position 262), then you must also
enter a Credit Score Selection
method of 1,2, or 3.
Mandatory for MERS loans only.
Valid codes:
210 = Alt 97 or
Affordable Gold Alt
97
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
400 = the 400
Streamlined
Purchase offering
401 = the 401
Streamlined
Purchase offering
510 = Alternative
Stated Income
Reserved Field 1
288
1
Spaces
Reference Code
289
4
A/N
A “Reserved field” may not be used
without Freddie Mac’s express written
consent.
Codes used to identify
Mortgages with certain
characteristics.
Please note, Sellers
may have negotiated
Reference Codes that
are not listed below.
Valid codes:
0003 – Seller Owned
Modified Mortgage
0005 – Converted
Mortgage
0007 – Freddie Mac
owned streamlined
refinance
Mortgage
0012 – Initial Interest
Loan
Construction Specific:
0013 – Mortgages for
Newly Constructed
Homes
0006 – One closing
construction to
permanent
Mortgage (old
value)
0008 = Two closing
construction to
permanent
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
Mortgage that uses
a modification (old
value)
Associated FM
Loan #
293
9
A/N
Modification /
Conversion Date
302
8
YYYYMMDD
Borrower Race
Fields 2 to 5
310
311
312
313
1
1
1
1
A/N
The race or national origin
of the Borrower.
Refer to the valid
values in Field 419.
Co-borrower
Race Fields 2 to
5
314
315
316
317
1
1
1
1
A/N
Refer to the valid
values in Field 420.
Borrower
Ethnicity
318
1
A/N
The race or national origin
of the Co-borrower. If
there is more than one
Co-borrower, enter the
data for the first Coborrower listed on the
application.
The ethnicity of the
Borrower.
A Freddie Mac supplied
number assigned to the
original Mortgage by the
Seller/Servicer when the
Mortgage was initially sold
to Freddie Mac.
Date on which the
modification
documentation was
effective.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
For Freddie Mac-owned streamlined
refinance Mortgage with SCC of 288.

Valid codes.
1 = Hispanic or Latino
2 = Not Hispanic or
Latino
3 = Information not
provided by
Borrower in mail,
Internet or
telephone
For Seller-owned Modified
Mortgages, one closing
construction to permanent
mortgages and Converted
Mortgages.
 For one closing construction to
permanent Mortgages, the due
date of the first P&I payment of the
permanent Mortgages.
Use Field 419 as the primary race code
if only one is listed on the application.
Use race code fields 2-5 for additional
race codes if borrower marks more than
one race.
Use Field 420 as the primary race code
if only one is listed on the application.
Use race code fields 2-5 for additional
race codes if Co-borrower marks more
than one race.
If the Mortgage will be delivered on or
after 1/1/2004 and the Mortgage
application was completed prior to
1/1/2004, the following conversion rules
apply.

If the Borrower’s Race selection on
the application dated prior to
1/1/2004 = 4 (Hispanic) deliver
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
application.
4 = Not Applicable
(Use when the
Borrower is an
entity rather than
an individual).
Co-borrower
Ethnicity
319
1
A/N
The ethnicity of the Coborrower.
Valid codes.
1 = Hispanic or Latino
2 = Not Hispanic or
Latino
3 = Information not
provided by
Borrower in mail,
Internet or
telephone
application.
4 = Not Applicable
(Use when the
Borrower is an
entity rather than
an individual).
5 = No Co-Borrower
Comments
Ethnicity = 1 (Hispanic or Latino).
If the Borrower’s Race selection on
the application dated prior to
1/1/2004 = 7 (Information not
provided by Borrower for an
application received by mail or
telephone), delivery Ethnicity = 3
(Information not provided by
Borrower in mail, Internet or
telephone application).
 If the Borrower’s Race selection on
the application dated prior to
1/1/2004 = 1,2,3,5.6 or 8 (American
Indian or Alaskan Native, Asian or
Pacific Islander, Black, White,
Other or not Applicable), delivery
Ethnicity = 4 (Not applicable).
If the Mortgage will be delivered on or
after 1/1/2004 and the Mortgage
application was completed prior to
1/1/2004, the following conversion rules
apply:




November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
If the Co-borrower’s Race selection
on the application dated prior to
1/1/2004 = 4 (Hispanic), deliver
Ethnicity = 1 (Hispanic or Latino).
If the Co-borrower’s Race selection
on the application dated prior to
1/1/2004 = 7 (Information not
provided by Co-borrower for an
application received by mail or
telephone), deliver Ethnicity = 3
(Information not provided by Coborrower in mail, Internet or
telephone application).
If the Co-borrower’s Race selection
on the application dated prior to
1/1/2004 = 1,2,3,5,6 or 8 (American
Indian or Alaskan Native, Asian or
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
Pacific Islander, Black, White Other
or Not Applicable), deliver Ethnicity
= 4 (Not Applicable).
A “Reserved field” may not be used
without Freddie Mac’s express written
consent.
A “Reserved field” may not be used
without Freddie Mac’s express written
consent.
Reserved Field 2
320
2
Spaces
Reserved Field 3
322
5
Spaces
Borrower Date of
Birth
327
8
YYYYMMDD
The date of birth of the
Borrower.
Co-borrower
Date of Birth
335
8
YYYYMMDD
The date of birth of the
Co-borrower.
HOEPA Status
343
1
A/N
Indicates whether a
Mortgage is covered by
the Home Ownership and
Equity Protection Act.
Rate Spread
344
4
N
Decimal - 2
The spread between the
annual percentage rate
(APR) on a Mortgage and
the rate on Treasury
securities with
comparable maturity
periods.
Special
Characteristics
Codes Fields 7 –
10
Filler
348
351
354
357
360
3
3
3
3
41
A/N
These codes provide
additional information
relating to the Mortgage.
Spaces
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
The date of birth of the
Borrower, as listed on
the Mortgage
Application.
The date of birth of the
Co-borrower, as listed
on the Mortgage
application.
Valid codes:
Y = HOEPA Mortgage
N = Mortgage is not
subject to
requirements of
HOEPA.
Example:
Enter 3.5% as 0350
Enter 10.5% as 1050
Enter 5% as 0500
Enter 6 ¼% as 0625
This data is mandatory for Mortgage
applications completed on or after
1/1/2004.
This data is mandatory for Mortgage
applications completed on or after
1/1/2004.
For mortgages delivered on or after
1/1/2004.

For Mortgages delivered on or after
1/1/2004
 Mandatory for Mortgages where the
Rate Spread is greater than or
equal to 3% for first liens.
 For Mortgage applications
completed before 1/1/2004, in
which the rate lock occurred after
1/1/2004, lenders must calculate
and report the Rate Spread.
FOR FUTURE USE
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Special
Characteristics
Codes Fields 1-6
Start
Length
401
404
407
410
413
416
3
3
3
3
3
3
Format
A/N
Short Definition
These codes provide
additional information
relating to the Mortgage
Valid Values
Please note that
Sellers may have
negotiated SCC Codes
that are not listed
below.
Leading zeros are
required.
Special
Characteristics
Codes (cont.)
VALID CODES FOR
ALL LOANS:
The following SCC
codes must be
delivered for all loans:
Seller must identify
whether the loan is a
wholesale home
mortgage by using one
of the following SCC
Codes:
002 = a wholesale
home mortgage, or
018 = not a wholesale
home Mortgage
Seller must identify the
status of a property’s
flood insurance
coverage by using one
of the following SCC
codes:
170= in SFHA with
flood insurance
185= in SFHA without
flood insurance
175= out of SFHA with
flood insurance
180= out of SFHA
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
These codes are negotiated for each
seller and mandatory for loans that
require the delivery of this information.
Note:The Selling System may not
support all legacy SCC codes
Additional comments to help deliver the
correct SCC code for flood insurance.
185 = is used if the community
participates in the National Flood
Insurance Program (NFIP), the
dwelling is not covered by flood
insurance and the Mortgage file
contains a FEMA Letter of Map
Amendment (LOMA) or letter of
Map Revision (LOMR) effectively
removing the dwelling from the
SFHA.
175, 180 = are used if there is no NFIP
map for the community where the
property is located.
The following are rules to follow when
delivering SCC codes.
003 or 007 = required if the Purpose of
Loan Code = 2 or 5(refinance) or
4(when applicable).
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
without flood
insurance
OTHER REQUIRED
SCC CODES
Seller may be required
to deliver one or more
of the following SCC
codes.
Special
Characteristics
Codes (cont.)
For SCC code 288, provide the
Associated Freddie Mac loan number
and the applicable Reference Code.
For Refinance
Mortgages
The type of refinance
must be designated by
using one of the
following SCC codes:
003 = cash out
refinance
007 = no cash-out
refinance
288 = must be used
when the loan is
purchased under
the Freddie Mac
Owned
Streamlined
Refinance
Mortgage program.
289 = must be used
when the loan is
purchased under
the Non-Freddie
Mac Owned
Streamlined
Refinance
Mortgage program.
For manufactured
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
If a Mortgage secured by a California
condominium is delivered to Freddie
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
housing mortgages
Use one of the
following SCC codes if
the Property Type
Code is 4:
951 = Singlewide.
952 = Multi-wide.
Special
Characteristics
Codes (cont.)
For applicable
California
Condominium
Mortgages
Use one of the
following SCC codes if
the delivery fee for the
mortgage secured by
the California
condominiums is
waived or reduced:
257 = Mortgage with
partially pre-funded
deductibles.
259 = Mortgage with
adequately refunded
deductibles.
261 = Mortgage
evaluated –
insurance not
necessary.
For all Affordable
Housing Initiatives
(AHI) programs
071 = must be used if
the mortgage was
originated under
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
Mac without SCC 257, 259 or 261, the
Seller will be assessed a 1% delivery
fee.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
one of Freddie
Mac’s special
Affordable Housing
Initiatives
programs.
532 = must be used for
any Affordable
Gold Mortgage that
satisfies the
minimum number
of payment
reference
requirement using
Noncredit Payment
References.
535 = must be used for
any Mortgage
where the TLTV
ratio is greater
than 100 percent.
547 = must be used for
any Affordable
Gold Mortgage
using cash on
hand as Borrower
Funds.
582 = must be used for
any Mortgage with
an RHS leveraged
second.
583 = must be used for
any Affordable
Gold Mortgage
with secondary
financing.
G00 = Home Possible
97
G01 = Home Possible
Neighborhood
Solutions 97
Special
Characteristics
Codes (cont.)
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Community
Solutions
G02 = Home Possible
100
G03 = Home Possible
Neighborhood
Solutions 100
Community
Solutions
G14 – FM 100
Mortgages
G-15 – Affordable Merit
Mortgages
Special
Characteristics
Codes (cont.)
For Mortgages with
Financed Mortgage
Insurance Premium
Seller must devise an
SCC code using the
number 6 and the
gross LTV ratio
between and including
681 and 695.
Example:
for a loan with a 90%
LTV ratio with financed
MI, the Seller must
enter an SCC = 690
and the gross LTV ratio
(which would be higher
than 90%) through the
LTV ratio field.
For Mortgages with
Lender Paid
Mortgage Insurance
019 = to designate the
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
loan as having
Lender Paid MI.
For Mortgages with
Buydowns
For mortgages with
temporary subsidy
buydowns, one of the
following SCC codes
must be used:
009 = for a 2-1
buydown
014 = for a 3-2-1
buydown
For Section 184
Native American
Mortgages
One of the following
SCC codes should be
delivered, if applicable
to the Mortgage:
128 = fee simple
130 = Allotted Land
218 = Tribal Trust Land
For Loan Prospector
Mortgages using
Form 2070, or
equivalent
Seller must deliver one
of the following SCC
codes to indicate which
version of the Form
2070, or its equivalent,
was used for the Loan
Prospector Mortgage:
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
902 = Loan Prospector
Mortgage delivered
with Form 2070
(interior inspection)
903 = Loan Prospector
Mortgage delivered
with Form 2070
(exterior-only
inspection)
904 = Loan Prospector
Mortgage delivered
with FNMA Form
2075 as substitute
for Form 2070.
Mortgages for Newly
Constructed Homes
914 = Two closing
construction to
permanent
Mortgages (old
value).
916 = Mortgaged
premises are
completed after
application (old
value).
934 = One closing
construction to
permanent
Mortgage (old
value).
D49 - Newly Built
Home Mortgages –
Site Built
D50 - Newly Built
Home Mortgages –
Manufactured Home
D51 - Construction
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
Conversion/Renovation
Mortgages – Site Built
D52 - Construction
Conversion Mortgages
– Manufactured Home
D53 - Seasoned
Mortgage For Newly
Constructed Home
Borrower Race
Field #1
419
1
A/N
The race or national origin
of the Borrower.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid codes:
1 = American
Indian/Alaska
Native
2 = Asian
3 = Black or African
American
4 = Native Hawaiian or
other Pacific
Islander
5 = White
6 = Information not
provided by
Borrower by mail,
Internet, or
telephone
application.
7 = Not applicable (Use
when the Borrower
is an entity rather
than an individual).
Note: Up to five
Borrower Race
codes may be
selected
(additional codes
go in fields 310313).
This data is mandatory except for Notes
originated prior to 1/1/93; however, the
data should be delivered, if available for
these mortgages.
If the Mortgage will be delivered on or
after 1/1/12004 and the Mortgage
application was completed prior to
1/1/2004, the following conversion rules
apply.
 If the Borrower’s Race selection on
the application dated prior to
1/1/2004 = 1 (American
Indian/Alaskan Native), deliver
Race = 1 (American Indian/Alaska
Native).
 If the Borrower’s Race selection on
the application dated prior to
1/1/2004 = 2 (Asian or Pacific
Island), deliver Race = 2 (Asian).
 If Borrower’s Race selection on the
application dated prior to 1/1/2004
= 3 (Black (Not Hispanic)), deliver
Race = 3 Black or African
American.
 If Borrower’s Race selection on the
application dated prior to 1/1/2004
= 4 (Hispanic), deliver Race = 7
(Not Applicable)
 If Borrower’s Race selection on the
application dated prior to 1/1/2004
= 5 (White Not Hispanic), deliver
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
Race = 5 (White).
If the Borrower’s Race selection on
the application dated prior to
1/1/2004 = 6 (other), deliver Race =
7 (Not Applicable).
 If the Borrower’s Race selection on
the application dated prior to
1/1/2004 = 7 (Information not
provided by Borrower for an
application received by mail or
telephone), deliver Race = 6
(Information not provided by
Borrower in mail, Internet or
telephone application).
 If the Borrower’s Race selection on
the application dated prior to
1/1/2004 = 8 (Not Applicable),
deliver Race = 7 (Not Applicable).
Refer to 419 for conversion rules.

Co-borrower
Race Field #1
420
1
A/N
The race or national origin
of the Co-borrower. If
there is more than one
Co-borrower, enter the
data for the first Coborrower listed on the
application.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid codes:
1 = American
Indian/Alaska
Native
2 = Asian
3 = Black or African
American
4 = Native Hawaiian or
other Pacific
Islander
5 = White
6 = Information not
provided by
Borrower by mail,
Internet, or
telephone
application.
7 = Not applicable (Use
when the Borrower
is an entity rather
than an individual).
Note: Up to five
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Borrower
Gender
Co-borrower
Gender
Start
421
422
Length
1
1
Format
A/N
A/N
Short Definition
The gender of the
borrower.
The gender of the Coborrower. If there is more
than one Co-borrower,
enter the data for the first
Co-borrower listed on the
application
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Borrower Race
codes may be
selected
(additional codes
go in fields 310313).
8 = No Co-Borrower
Valid codes:
1 = Male
2 = Female
3 = Information not
provided by
Borrower in mail,
Internet, or
telephone
application.
4 = Not Applicable
(Use when
Borrower is an
entity rather than
an Individual), but
not a Native
American tribe or
tribal organization.
8 = Not Applicable
(Use for Section
184 Native
American
Mortgages only)
Valid codes:
1 = Male
2 = Female
3 = Information not
provided by
Borrower in mail,
Internet, or
telephone
application.
4 = Not Applicable
(Use when
Comments
This data is mandatory except for Notes
originated prior to 1/1/93; however, the
data should be delivered, if available for
these mortgages.
[The Selling System does not currently
support Section 184 mortgages,
therefore does not support #8 through
import]
Refer to 422 for additional conditions.
[TheSelling System does not support
Section 184 mortgages, therefore does
not support #8 through import]
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Borrower Age
423
2
N
Decimal-0
The age of the Borrower
expressed in years.
Co-borrower Age
425
2
N
Decimal-0
First Time
Homebuyer
427
1
A/N
The age of the Coborrower expressed in
years. If there is more
than one Co-borrower,
enter the data for the first
Co-borrower on the
application.
Indicates whether the
Borrower is a first-time
homebuyer.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Comments
Borrower is an
entity rather than
an Individual), but
not a Native
American tribe or
tribal organization.
5 = No Co-Borrower
8 = Not Applicable
(Use for Section
184 Native
American
Mortgages only)
Enter the age of
Borrower, as listed on
the loan application.
Other valid entries:
98 = Use when
Borrower does not
provide age on the
application.
99 = Use when
Borrower’s age is
99 or older.
blank = Use when not
applicable (only to
be used when
Borrower is an
entity rather than
an individual).
Refer to 423 for valid
entries.
This data is mandatory except for
Notes originated prior to 1/1/93 and
Mortgage applications completed on
or after 1/1/2004; however, the data
should be delivered, if available for
these mortgages.
Valid values:
Y = Yes, one of the
Borrowers who
will reside in the
This data is mandatory except for
Notes originated prior to 1/1/93;
however, the data should be
delivered, if available for these
This data is mandatory except for
Notes originated prior to 1/1/93 and
Mortgage applications completed on
or after 1/1/2004; however, the data
should be delivered, if available for
these mortgages.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Property is a first
time homebuyer.
N = No, none of the
Borrowers will
reside in the
property.
Blank = The FirstTime Homebuyer
indicator field
must be left blank
when the Purpose
of Loan field has
a value = 2-5
Number of
Borrowers
428
2
N
Decimal-0
The total number of
Borrowers. Individuals
who sign the security
instrument but not the
note are not considered
Borrowers.
Year Built
430
4
N
YYYY
The year the property was
built.
Number of
Bedrooms
(by unit)
Unit 1 =
434
Unit 2 =
435
Unit 3 =
436
Unit 4 =
437
1
N
The total number of
bedrooms in a 1 unit
property or in each unit of
a 2-4 unit property
1
1
1
CONFIDENTIAL - DO NOT DISTRIBUTE
mortgages.
This field must be populated with a Y
or N if the Purpose of the Loan Code
is 1 (Purchase).
This field should be blank if the
Purpose of the Loan Code is 2-5.
This data is mandatory except for Notes
originated prior to 1/1/93; however, the
data should be delivered, if available for
these mortgages.
Valid value for the Year
Built is the full year.
Example: 1985
Enter the number of
bedrooms for each unit
identified in Field 189
(Number of Units) for
either
 1-unit investment
property (Purpose
of Loan Code = 3,
5)
 for each unit in a 24-unit property.
If the 2-4-unit property
is owner-occupied
November 2006
Comments
The Selling System will calculate the
number of borrowers based on the
loan data in the import file
This data should be delivered, if
available for these mortgages.
Mandatory for investment properties
and 2-4 unit properties.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Gross Monthly
Rent (by unit)
Start
Unit 1 =
438
Unit 2 =
443
Unit 3 =
448
Unit 4 =
453
Length
5
Format
N
Decimal-0
5
Short Definition
This is the gross monthly
rental income per unit as
indicated on the signed
lease(s) for the Property.
5
If there is not an active
lease for a unit, or the
Borrower rents the unit to
a family member, enter
the gross monthly rental
income as estimated on
the applicable appraisal
report or addenda.
5
Valid Values
Comments
(Purpose of Loan Code
= 1), enter a zero in
any unit(s) that
Borrower(s) occupy.
Whole Dollars only
(round to the nearest
dollar).
Enter the gross
monthly rental income
for each unit identified
in Field 189 (Number of
Units) for either
 1-unit investment
property (Purpose
of Loan Code = 3,
5)
 for each unit in a 24-unit property.
If the 2-4-unit property
is owner-occupied
(Purpose of Loan Code
= 1), enter a zero in
any unit(s) that
Borrower(s) occupy.
Monthly Housing
Expense
Filler
Monthly Debt
Payment
458
463
479
5
16
5
N
Decimal-0
Spaces
N
Decimal-0
The monthly housing
expense is the sum of the
monthly charges on the
Borrower’s Primary
Residence.
The sum of the
Borrower’s monthly debt
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Example:
Enter $1,500.00 as
01500
Whole Dollars only
(round to the nearest
dollar).
Example:
Enter $1,500.00 as
01500
Whole Dollars only
(round to the nearest
This data is mandatory except for Notes
originated prior to 1/1/93; however, the
data should be delivered, if available for
these mortgages.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Monthly Income
Appraised Value
of Property
Start
484
490
Length
6
9
Format
N
Decimal-0
N
Decimal-0
Short Definition
Valid Values
payments.
dollar).
The total monthly income
used to qualify the
Borrower(s).
Example:
Enter $1,500.00 as
01500
Whole Dollars only
(round to the nearest
dollar).
For a purchase
transaction Loan
Prospector Mortgage,
either (i) the purchase
price if the property is
supported by Freddie
Mac’s Home Value
models, or (ii) the lesser
of the appraised value of
the property on the
Origination Date or the
purchase price of the
property.
For a refinance Loan
Prospector Mortgage,
either (i) the Borrower’s
estimate of value if
supported by Freddie
Mac’s Home Value
models, or (ii) the
appraised value of the
property on the
Origination Date.
For a Non-Loan
Prospector purchase
Mortgages, the lesser of
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Example:
Enter $11,500.00 as
011500
Whole Dollars only
(round to the nearest
dollar).
Example:
Enter $180,000.00 as
000180000
Comments
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
(i) the appraised value of
the Mortgaged Premises
on the Origination Date,
or (ii) the purchase price
of the property.
Purchase/Sales
Price
Down Payment
Sources
499
9
Source 1
= 508
Source 2
= 510
Source 3
= 512
Source 4
= 514
2
2
N
Decimal-0
A/N
For a Non-Loan
Prospector refinance
transaction, the value of
the property on the
Origination Date.
The purchase price of the
property, net any
adjustments made for
sales or excess financing
concessions.
The source(s) of the
Borrower’s down
payment, up to a
maximum of four codes.
2
2
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Whole Dollars only
(round to the nearest
dollar).
The Purchase Price is mandatory when
the Purpose of Loan Code is 1,3, or 4.
Leave blank for refinanced mortgages.
Example:
Enter $180,000.00 as
000180000
Valid codes:
(Sellers may have
negotiated values
not listed below)
01 = gift from relative
02 = gifts or grants
from a non-profit
religious
organization or
non-profit
community
organization.
03 = gifts or grants
from a federal
government
program
04 = gifts or grants
from a state
government
program
05 = gifts or grants
from a local
Mandatory for AHI Mortgages only.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
government
program
06 = gifts or grants
from employer
07 = other Borrower
cash or equity
08 = unsecured loan
10 = other
11 = premium funds
12 = secondary
financing
Down Payment
Amounts
Closing Costs
Sources
Amount
1 = 516
Amount
2 = 522
Amount
3 = 528
Amount
4 = 534
6
N
Decimal-0
6
6
The dollar amount of the
Borrower’s down payment
attributable to the
corresponding down
payment source code.
6
Source 1
= 540
Source 2
= 542
Source 3
= 544
Source 4
2
2
A/N
The source(s) for paying
the Borrower’s closing
costs, up to a maximum of
four codes.
2
2
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Whole Dollars only
(round to the nearest
dollar).
Required for delivery if applicable.
For example, a
mortgage with two
sources of down
payment (specified in
Fields 508 and 510)
using codes 01 and 07,
respectively (gift from
relative and Borrower’s
own funds) for $2000
each would be entered
as 002000 in position
516 and 002000 in
position 522.
Example:
Enter $11,500.00 as
011500
Valid codes:
01 = gift from relative
02 = gifts or grants
from a non-profit
religious
organization or
non-profit
Mandatory for AHI mortgages only.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
= 546
Closing Cost
Amounts
Amount1
= 548
Amount2
= 554
Amount3
= 560
Amount4
= 566
6
6
6
N
Decimal-0
The dollar amount of the
closing costs attributable
to the corresponding
closing costs source
code.
6
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
community
organization
03 = gifts or grants
from a federal
government
program
04 = gifts or grants
from a state
government
program
05 = gifts or grants
from a local
government
program
06 = gifts or grants
from employer
07= Borrower’s own
funds
08 = unsecured loan
09 = property seller
contributions
10 = other
11 = premium funds
12 = secondary
financing
Whole Dollars only
(round to the nearest
dollar).
For example, a
mortgage with two
sources of closing
costs (specified in
Fields 540 and 542)
using codes 01 and 07,
respectively (gift from
relative and Borrower’s
own funds) for $500
each would be entered
as 000500 in position
Comments
Mandatory for AHI mortgages only.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
548 and 000500 in
position 554.
Example:
Enter $500.00 as
000500
Secondary
Financing
Sources
Source1
= 572
Source2
= 574
2
A/N
Identifies the source of
the secondary financings.
2
Valid codes for NonAffordable Housing
Mortgages with
Secondary Financing:
blank = No secondary
financing
20 = HELOC
30 = Other secondary
Financing
Valid codes for
Affordable Housing
Mortgages (AHI) with
Secondary Financing.
For AHI mortgages,
Seller may deliver up to
two secondary
financing sources.
01 = originating lender
02 = other financial
institution
03 = Federal
government
program
04 = State government
program
05 = local government
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Mandatory for all Mortgages with
Secondary Financing, except Affordable
Housing mortgages.
For Affordable Housing mortgages, this
information is required when the
Purpose of Loan Code = 1 (purchase /
owner occupied). You can deliver up to
a maximum of two codes.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Secondary
Financing
Amounts
Start
Length
Amount1
= 576
Amount2
= 582
6
Format
N
Decimal-0
6
Homeowner
Education/
Education
Administrator
Code 1 =
588
Code 2 =
589
1
Homeowner
Education/
Education
Format
Code 1 =
590
Code 2 =
591
1
The dollar amount of the
secondary financing
attributable to the
corresponding secondary
financing source code.
A/N
The applicable code for
the administrator and the
format of the counseling
program, up to a
maximum of two codes.
A/N
The applicable code for
the format of the
counseling program, up to
a maximum of two codes.
1
1
Short Definition
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
program
06 = employer
08 = not applicable, no
secondary
financing
09 = property seller
10 = other
Whole Dollars only
(round to the nearest
dollar).
Example:
A mortgage with one
second mortgage
funded by a Federal
government program in
the amount of $2000
would be entered:
Position 572 = 03
Position 576 = 002000
Valid codes:
L = Lender (Freddie
Mac Seller/
Servicer)
N = Non-profit
organization
P = Public or
government
agency
O = Other
X = Borrower
education not
required.
blank = Borrower did
not participate.
Valid codes:
C = Classroom
H = Home study
I = Individual
Comments
When a Secondary Financing Source
code of ‘20’ is entered for a HELOC,
enter the disbursed amount or used
portion at closing, not the maximum
credit loan amount. If no
disbursements have occurred, enter
zero.
Mandatory for AHI mortgages only.
Mandatory for AHI mortgages only.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
O = Other
X = Borrower
education not
required. For
example, if a
Borrower
participated in a
counseling
program offered by
the lender in a
classroom setting.
blank = Borrower did
not participate.
Filler
Co-borrower
Name
592
596
4
20
Spaces
A/N
Co-borrower
Social Security
Number
616
9
A/N
Loan Prospector
Key Number
625
8
A/N

The name of a second
Borrower who is obligated
to repay the Note secured
by the Property. The term
“Co-borrower” is used to
distinguish between
multiple Borrowers, not to
rank the Borrowers. If
there is more than one
Co-borrower, enter the
data for the first Coborrower listed on the
application.
Enter the Coborrower’s last name,
then a comma,
followed by the first
initial or name.
The social security
number of the Coborrower, if more than
one Borrower exists. If
there is more than one
Co-borrower, enter the
data for the first Coborrower listed on the
application.
The unique number that
Loan Prospector assigns
Valid 9-digit social
security number.
Mandatory if more than one
borrower exists.
 The field will be parsed.
 All characters before the comma
will be considered the last name.
 All characters after the comma will
be considered the first name.
 If the last name is longer than 19
characters, truncate it. Put a
comma in the 19th position and the
first letter of the first name in the
20th position.
 If the first name is not entered, a
value of “unknown” will be
assigned.
Mandatory if more than one Borrower
exists.
Alphanumeric number
provided by Loan
Mandatory for Mortgages processed
through Loan Prospector.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Example:
Enter John Smith in
either format shown
below:
Smith,J
Smith,John
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
(AUS)
Short Definition
Valid Values
to each loan processed
through Loan Prospector.
Prospector.
Indicates whether the
Mailing Address is
different from the Property
Address.
Valid codes:
Y = Yes, the Mailing
Address is different
from the Property
Address.
N = No, the Mailing
Address is not
different from the
Property Address.
Valid codes:
Y = Yes, the Mailing
Address is within
the US.
N = No, the Mailing
Address is not
within the US.
Filler
Borrower Mailing
Address
Different From
the Property
address
633
650
17
1
Spaces
A/N
US Address
651
1
A/N
Indicates whether the
Mailing Address is located
within the U.S.
Borrower Mailing
Street Address
652
30
A/N
The mailing address of
the Borrower.
City/State/Zip
682
702
704
20
2
9
A/N
The City, State and Zip
code of the Mailing
Address.
Filler
Mortgage has
monthly Escrow
amount
713
724
11
1
Spaces
A/N
Property Taxes:
725
7
N
Indicates whether the
mortgage has monthly
escrow amounts.
The monthly property tax
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
Also known as Key Number or Loan
Prospector (LP) AUS Key Number.
Mandatory for GCX servicing released
Mortgages.
Mandatory for GCX servicing released
mortgages.
Mandatory for GCX servicing released
mortgages if “Y” is entered in the
Borrower Mailing Address Different
from the Property Address field and if
“Y” is entered in the US address field.
Mandatory for GCX servicing released
mortgages if “Y” is entered in the
Borrower Mailing Address Different
from the Property Address field and if
“Y” is entered in the US address field.
Valid codes:
Y = Yes, the mortgage
has a monthly
escrow amount.
N = No, the mortgage
does not have a
monthly escrow
amount.
This amount should
Mandatory for GCX servicing released
Mortgages.
Mandatory for GCX servicing released
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
State
Property Taxes:
City
Property Taxes:
County
Property Taxes:
Township
Format
Decimal - 2
732
739
746
7
7
7
N
Decimal- 2
N
Decimal –2
N
Decimal - 2
Short Definition
for the State jurisdiction.
The monthly property tax
for the City jurisdiction
The monthly property tax
for the County jurisdiction.
The monthly property tax
for the Township
jurisdiction.
Property Taxes:
Other Code
753
2
A/N
Other jurisdiction types for
monthly property taxes.
Property Taxes –
Other $
755
7
N
Decimal- 2
The dollar amount of the
Other Property Taxes
attributable to the
corresponding Property
Taxes – other Code.
Monthly
762
7
N
The monthly Mortgage
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Comments
include dollars and
cents.
Mortgages if “Y” is entered in the
Escrow field and this tax applies.
Example:
Enter $100.00 as
0010000
This amount should
include dollars and
cents.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this tax applies.
Example:
Enter $100.00 as
0010000
This amount should
include dollars and
cents.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this tax applies.
Example:
Enter $100.00 as
0010000
This amount should
include dollars and
cents.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this tax applies.
Example:
Enter $100.00 as
0010000
Valid Codes:
01 = Borough
02 = School
03 = District
99 = Other
This amount should
include dollars and
cents.
Example:
Enter $100.00 as
0010000
This amount should
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and Other Property Taxes
Amount field has a value.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this tax applies.
Mandatory for GCX servicing released
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Insurance:
Mortgage
Insurance
Monthly
Insurance:
Hazard
Insurance
Monthly
Insurance:
Flood Insurance
Monthly
Insurance:
Earthquake
Insurance
Start
769
776
783
Length
7
7
7
Format
Short Definition
Insurance.
include dollars and
cents.
Mortgages if “Y” is entered in the
Escrow field and this insurance applies.
N
Decimal - 2
The monthly Hazard
Insurance.
This amount should
include dollars and
cents.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this insurance applies.
Example:
Enter $100.00 as
0010000
This amount should
include dollars and
cents.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this insurance applies.
Example:
Enter $100.00 as
0010000
This amount should
include dollar and
cents.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this insurance applies.
N
Decimal - 2
N
Decimal - 2
The Monthly Flood
Insurance.
The monthly Earthquake
Insurance.
790
2
A/N
Other types of monthly
insurance.
Monthly
Insurance:
Other1 $
792
7
N
Decimal - 2
The dollar amount of the
Other Monthly Insurance
attributable to the
corresponding Monthly
Insurance Other1 Code.
799
2
Comments
Decimal - 2
Monthly
Insurance:
Other1 Code
Monthly
Valid Values
A/N
Other types of monthly
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Example:
Enter $100.00 as
0010000
Valid Codes:
21 = Storm Insurance
(Hail, Wind, Rain)
22 = Insect/Infestation
Insurance
23 = Leasehold
(Ground Rent)
99 = Other
This amount should
include dollar and
cents.
Example:
Enter $100.00 as
0010000
Valid codes:
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and Other Monthly
Insurance Amount has a value.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this insurance applies.
Mandatory for GCX servicing released
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Insurance:
Other2 Code
Monthly
Insurance:
Other2 $
Short Definition
insurance.
801
7
N
Decimal - 2
The dollar amount of the
Other Monthly Insurance
attributable to the
corresponding Monthly
Insurance Other2 Code.
Monthly
Insurance:
Other3 Code
808
2
A/N
Other types of monthly
insurance.
Monthly
Insurance:
Other3 $
810
7
N
Decimal - 2
The dollar amount of the
Other Monthly Insurance
attributable to the
corresponding Monthly
Insurance Other3 Code.
Filler
Other Funds
Collected:
Escrow Deposit
817
857
40
7
Spaces
N
Decimal - 2
Escrow balance on loan
net of any escrow
advances less aggregate
adjustments.
Valid Values
21 = Storm Insurance
(Hail, Wind, Rain)
22 = Insect/Infestation
Insurance
23 = Leasehold
(Ground Rent)
99 = Other
This amount should
include dollar and
cents.
Example:
Enter $100.00 as
0010000
Valid codes:
21 = Storm Insurance
(Hail, Wind, Rain)
22 = Insect/Infestation
Insurance
23 = Leasehold
(Ground Rent)
99 = Other
This amount should
include dollar and
cents.
Comments
Mortgages if “Y” is entered in the
Escrow field and Other Monthly
Insurance Amount has a value.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and this insurance applies.
Mandatory for GCX servicing released
Mortgages if “Y” is entered in the
Escrow field and Other Monthly
Insurance Amount has a value.
Mandatory for GCX servicing released
Mortgages. If “Y” is entered in the
Escrow field and this insurance applies.
Example:
Enter $100.00 as
0010000
This amount should
include dollars and
cents.
For GCX servicing released Mortgages.
Example:
Enter $100.00 as
0010000
Filler
Other Funds
Collected:
864
878
14
7
Spaces
N
Decimal - 2
Current remaining
Temporary Subsidy
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
This amount should
include dollars and
For GCX servicing released Mortgages.
Appendix A – Form 11 File Format
Form 11/ 13SF Interface Specifications
Field Name
Start
Length
Format
Buydown
Other Funds
Collected:
Other1 Code
885
2
A/N
Other Funds
Collected:
Other1 $
887
7
N
Decimal - 2
Short Definition
Buydown balance (e.g.
the amount provided to
subsidize the borrower’s
interest rate on the loan
for the remaining time
during which the lower
interest rate applies.).
Other types of funds due
to the Servicer after
funding for the Servicer to
apply to the Borrower’s
UPB.
The dollar amount
attributable to the
corresponding Other
Funds Collected –
Other1Code.
Other Funds
Collected:
Other2 Code
894
2
A/N
Other types of funds due
to the Servicer after
funding for the Servicer to
apply to the Borrower’s
UPB.
Other Funds
Collected:
Other2 $
896
7
N
Decimal - 2
The dollar amount
attributable to the
corresponding Other
Funds Collected –
Other2Code.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Comments
cents.
Example:
Enter $100.00 as
0010000
Valid codes:
41 - Advanced PITI
Payment
42 - Principal
Curtailment
99 - Other
This amount should
include dollar and
cents.
Example:
Enter $100.00 as
0010000
Valid codes:
41- Advanced PITI
Payment
42- Principal
Curtailment
99 – Other
This amount should
include dollar and
cents.
Example:
Enter $100.00 as
0010000
For GCX servicing released Mortgages.
For GCX servicing released Mortgages.
For GCX servicing released Mortgages.
For GCX servicing released Mortgages.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
APPENDIX B
FORM 13SF File Format
(HMDA Release Effective 1/1/2004)
General Instructions

Fields marked with an asterisk (*) are required fields for importing a loan and creating a loan in the Selling System.

All fields are mandatory for final delivery to Freddie Mac. It is recommended that you build your import file to incorporate all the fields as applicable.

Numeric fields are right justified with leading zeros. Blanks or zeros should represent fields with no entry.
Exception: Percent Rounded field (position 288) must be left justified.

Alphanumeric fields are left justified and space-filled. Fields with no entry should be represented by blanks.

Sellers may have negotiated terms to deliver data not represented in this appendix. Noted fields in this appendix (i.e., reference code, MI company code, etc.) may have
negotiated values not referenced here and the developer will need to identify specific adjustments for each Seller.

A loan may be imported at any point in the life cycle of a loan including origination, underwriting, and post closing. Once a loan is imported, it may be re-imported. This
process will overwrite the existing loan in the Selling System and replace it with the re-imported loan as long as the loan has not gone into Settlement Locked status (i.e.,
allocated to a contract). Also, changes cannot be made to certified fields.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Filler
Freddie Mac
Loan Number
1
5
4
9
Spaces
Spaces
Freddie Mac
Contract Number
14
10
A/N
*Seller Loan
24
13
A/N
Filler
Property Type
37
43
6
1
Spaces
A/N
The type of property
secured by the mortgage
Property
Address
Property City
44
30
A/N
74
20
A/N
Property State
94
2
A/N
Property Zip
96
9
A/N
The address of the
property.
The city where the
property is located
The state where the
property is located.
The zip code where the
property is located
Number
A Freddie Mac supplied
number assigned to the
Mortgage by the
Seller/Servicer
The number of the
Freddie Mac Purchase
Contract under which
these mortgages are sold.
Valid Values
9 digit Freddie Mac provided
number
10 digit alpha/numeric number
provided by Freddie Mac
The unique identification
number assigned by the
Seller to the mortgage.
CONFIDENTIAL - DO NOT DISTRIBUTE
The Selling System assigns the
number when the loan is
allocated to a contract. This file
should not be sent on import
If the contract is included with
the import file the loans will be
allocated to the contract with the
import. If the contract number is
not included in the import the
user can still enter it on the
Selling System screens.
Required as one of the two
import fields needed to create
a loan.
Valid codes:
1 = Condominium
2 = Leasehold
3 = PUD
4 = Manufactured Housing
5 = 1-4 Family Fee Simple
The zip code field allows for 9
digits to be entered if available.
Do not enter the hyphen for the
full zip.
Example:
Enter 12345-6789 as
123456789
November 2006
Comments
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Appraised Value
of Property
Start
105
Length
9
Format
N
Short Definition
For a purchase
transaction Loan
Prospector Mortgage,
either (i) the purchase
price if the property is
supported by Freddie
Mac’s Home Value
models, or (ii) the lesser of
the appraised value of the
property on the
Origination Date or the
purchase price of the
property.
For a refinance Loan
Prospector Mortgage,
either (i) the Borrower’s
estimate of value if
supported by Freddie
Mac’s Home Value
models, or (ii) the
appraised value of the
property on the
Origination Date.
For a Non-Loan
Prospector purchase
Mortgages, the lesser of
(i) the appraised value of
the Mortgaged Premises
on the Origination Date, or
(ii) the purchase price of
the property.
For a Non-Loan
Prospector refinance
transaction, the value of
the property on the
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Whole Dollars only (round to
the nearest dollar).
Example:
Enter $225,000.00 as
000225000
Comments
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
Origination Date.
*Borrower Name
114
20
A/N
The name of the Borrower
who is obligated to repay
the Note secured by the
property
Enter the Borrower’s last
name, then a comma,
followed by the first name.
Example:
Enter John Smith as:
Smith,John






Purpose Of Loan
Code
134
1
A/N
Describes how the loan
proceeds will be used
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid codes:
1 = Purchase (owner-occupied)
2 = Refinance (owneroccupied)
3 = Purchase (investment
property)
4 = Second Home (purchase or
refinance)
5 = Refinance (investment
Property)
Required as one of the two
import fields needed to
create a loan.
The field will be parsed.
All characters before the
comma will be considered
the last name.
All characters after the
comma will be considered
the first name.
If the last name is longer
than 19 characters, truncate
it. Put a comma in the 19th
position and the first letter of
the first name in the 20th
position.
If the first name is left blank,
a value of “unknown” will be
assigned.
For a refinance mortgage,
(purpose of loan codes 2,4
and 5) you must designate in
the SCC fields whether the
loan was a cash-out or no
cash-out refinance.
Use one of the following SCC
codes:
 003 = cash-out refinance
 007 = non cash-out
refinance.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Purchase/Sales
Price
Filler
Original Loan
Amount
Current Unpaid
Principal
Balance
Start
135
144
145
154
Length
9
1
9
11
Format
N
N
N
Decimal –
2
165
6
YYMMDD
Current Interest
Rate
171
5
N
Decimal-3
Current P & I
Payment
176
9
N
Decimal –2
185
6
Valid Values
Comments
The purchase price of the
property, net of any
adjustments made for
sales or excess financing
concessions.
Whole Dollars only (round to
the nearest dollar).
The original principal
amount of the loan as
indicated on the Note or
the loan amount at time of
Note modification.
Whole Dollars only (omit the
cents)

Example:
Enter $225,000.00 as
000225000

Example:
Enter $225,000.00 as
000225000
The Purchase Price is
mandatory when the Purpose
of Loan code is 1,3, or 4.
Enter a blank for refinance
transactions.
Spaces
Interest Paid to
Date
Note Date
Short Definition
YYMMDD
The current unpaid
principal balance of the
Mortgage at the time of
delivery
The due date of the most
recent monthly P&I
Payment made by the
Borrower.
The current interest rate
as of the last interest
change date.
The full monthly principal
& interest (P&I) payment
as of the last interest
change date (excluding
taxes and any insurance).
The Original Note Date
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE

For Seller-Owned Modified
Mortgages the loan amount
as of the modification date.
For Converted Mortgages,
the loan amount as of the
Conversion Date.
For construction to
permanent Mortgages, the
loan amount of the
permanent Mortgage.
This amount should include
dollars and cents.
Example:
Enter $225,000.00 as
00022500000
Examples:
Enter 10.5% as 10500
Enter 5% as 05000
Enter 6 ¼% as 06250
This amount should include
dollar and cents.
Mandatory for ARMS which
have adjusted at least once.
Mandatory for ARMS which
have adjusted at least once.
Example:
Enter $1,500.00 as 000150000

For Converted, SellerOwned Modified Mortgages,
and one closing
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments



Maturity Date
191
6
YYMMDD
The date of the final
monthly P&I Payment as
indicated on the Note



First P&I Payment
Date
197
6
YYMMDD
The due date of the first
full principal & interest
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE

construction to permanent
Mortgages, the Note Date
must be the Original Note
Date.
For two closing construction
to permanent Mortgages, if
the Borrower executes a
new Note, the Date of Note
must be the original Note
Date of that new Note.
If the Borrower executes a
modification agreement to
convert to permanent
financing, the Date of Note
must be the original Note
Date.
For Energy Conservation
and Rehab Mortgages the
Date of Note must be the
date of Mortgage funding
and not the anticipated date
of final disbursement of the
Escrow Funds.
For Balloon/Reset
Mortgages, the maturity
date should equal the
Balloon/Reset Date.
For Energy Conservation
and Rehab Mortgages, the
Date of Note must equal the
date of Mortgage funding
and not the anticipated date
of final disbursement of the
Escrow funds.
For Seller-Owned Modified
Mortgages, the maturity
date of the Note after
modification.
For Seller-Owned Modified
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
(P&I) payment as
indicated on the Note.

Filler
Condo Name
203
208
5
20
Spaces
Loan Feature
228
2
A/N
A/N
Reserved Field 1
230
1
Spaces
Date of First
Rate Adjustment
231
6
YYMMDD
Borrower Race
237
1
A/N
The name of the
Condominium project.
Describes features
associated with a
mortgage
Valid codes:
B = Buydown Plan
R = Premium Financing
funded buydown plan on
purchase transaction
Mortgages
S = Shared Equity Plan
X = Shared Equity/Buydown
Plan
K = Capitalized Mortgage
F = FHA Loan
V = VA Loan
N = Native American
P = Affordable Gold 3/2
Q = Affordable Gold 97
H = Guaranteed Rural
Housing or Affordable
Gold Mortgages with
Rural Housing Services
Leveraged Seconds
Mortgages, the due date of
the first full P&I payment of
the modified Mortgage.
For one closing
construction to permanent
Mortgages, the due date of
the first full P&I payment of
the permanent Mortgage.
Mandatory for Property Types
1 or 3 only.
Currently the Valid Values
accepted by the Selling System
are:
B = Buydown Plan
F = FHA Loan
V = VA Loan
P = Affordable Gold 3/2
Q = Affordable Gold 97
H = Guaranteed Rural Housing
K = Capitalized Mortgage
R = Premium Financing funded
buydown plan on purchase
transaction Mortgages
The remaining values are for
future functionality
A “Reserved field” may not be
used without Freddie Mac’s
express written consent.
The initial interest rate
change date, as indicated
on the note.
The race or national origin
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Enter a valid date.
Mandatory for ARMs, which
have adjusted at least once.
See field 419
Use field 419 as the primary
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Field #2 through
5
238
239
240
1
1
1
Co-borrower
Race Field #2
through 5
241
242
243
244
1
1
1
1
A/N
Project
Classification
245
1
A/N
Number Of
Unit(s)
246
1
Reference Code
247
4
N
Decimal –
0
A/N
Short Definition
Valid Values
of the Borrower
The race or national origin
of the Co-borrower. If
there is more than one
Co-borrower, enter the
data for the first Coborrower listed on the
application.
The classification of the
condominium project.
The number of dwelling
units in the property
Code used to identify
Mortgages with certain
characteristics.
See field 420
Valid codes:
1 = Project Class I
2 = Project Class II
3 = Project Class III
Use 1,2,3 or 4 in this field
indicating the number of
units.
Please note, Sellers may have
negotiated Reference Codes
that are not listed below.
Valid codes:
0003 – Seller Owned Modified
Mortgage
0005 – Converted Mortgage
0007 – Freddie Mac owned
streamlined refinance
Mortgage
0012 – Initial Interest Loan
Construction Specific:
0013 – Mortgages for Newly
Constructed Homes
0006 – One closing
construction to permanent
Mortgage (old value)
0008 = Two closing
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
race code if only one is listed
on the application. Use race
code fields 2-5 for additional
race codes if borrower marks
more than one race.
Use Field 420 as the primary
race code if only one is listed
on the application. Use race
code fields 2-5 for additional
race codes if Co-borrower
marks more than one race.
Mandatory for condominiums
only.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
construction to permanent
Mortgage that uses a
modification (old value)
Associated FM
Loan #
251
9
A/N
Modification /
Conversion Date
260
8
YYYYMMD
D
Borrower
Ethnicity
268
1
A/N
A Freddie Mac supplied
number assigned to the
original Mortgage by the
Seller/Servicer when the
Mortgage was initially sold
to Freddie Mac.
Date on which the
modification
documentation was
effective
The ethnicity of the
Borrower
For Freddie Mac-owned
streamlined refinance
Mortgage with SCC of 288.

Valid codes.
1 = Hispanic or Latino
2 = Not Hispanic or Latino
3 = Information not provided
by Borrower in mail,
Internet or telephone
application.
4 = Not Applicable (Use when
the Borrower is an entity
rather than an individual).
For Seller-owned Modified
Mortgages, one closing
construction to permanent
mortgages and Converted
Mortgages.
 For one closing construction
to permanent Mortgages,
the due date of the first P&I
payment of the permanent
Mortgages.
If the Mortgage will be delivered
on or after 1/1/2004 and the
Mortgage application was
completed prior to 1/1/2004, the
following conversion rules apply.


November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
If the Borrower’s Race
selection on the application
dated prior to 1/1/2004 = 4
(Hispanic) deliver Ethnicity
= 1 (Hispanic or Latino).
If the Borrower’s Race
selection on the application
dated prior to 1/1/2004 = 7
(Information not provided by
Borrower for an application
received by mail or
telephone), delivery
Ethnicity = 3 (Information
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Co-borrower
Ethnicity
Start
269
Length
1
Format
A/N
Short Definition
The ethnicity of the Coborrower
Valid Values
Valid codes.
1 = Hispanic or Latino
2 = Not Hispanic or Latino
3 = Information not provided
by Borrower in mail,
Internet or telephone
application.
4 = Not Applicable (Use when
the Borrower is an entity
rather than an individual).
5 = No Co-Borrower
Comments
not provided by Borrower in
mail, Internet or telephone
application).
 If the Borrower’s Race
selection on the application
dated prior to 1/1/2004 =
1,2,3,5.6 or 8 (American
Indian or Alaskan Native,
Asian or Pacific Islander,
Black, White, Other or not
Applicable), delivery
Ethnicity = 4 (Not
applicable).
If the Mortgage will be delivered
on or after 1/1/2004 and the
Mortgage application was
completed prior to 1/1/2004, the
following conversion rules apply:



November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
If the Co-borrower’s Race
selection on the application
dated prior to 1/1/2004 = 4
(Hispanic), deliver Ethnicity
= 1 (Hispanic or Latino).
If the Co-borrower’s Race
selection on the application
dated prior to 1/1/2004 = 7
(Information not provided by
Co-borrower for an
application received by mail
or telephone), deliver
Ethnicity = 3 (Information
not provided by Coborrower in mail, Internet or
telephone application).
If the Co-borrower’s Race
selection on the application
dated prior to 1/1/2004 =
1,2,3,5,6 or 8 (American
Indian or Alaskan Native,
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
Asian or Pacific Islander,
Black, White Other or Not
Applicable), deliver Ethnicity
= 4 (Not Applicable).
HOEPA Status
270
1
A/N
Filler
Amount of Other
Financing
271
272
1
7
Spaces
Yearly Payment
Increase %
279
5
N
Decimal -3
Filler
ARM Convertible
Indicator
284
285
1
1
Spaces
A/N
Indicates whether the
ARM has a feature that
allows the loan to convert
to a fixed rate.
Interest Rate
Rounded
Indicator
286
2
A/N
Indicates whether the
interest rate will be
rounded.
Percent
Rounded
288
5
N
Decimal-5
Indicates whether a
Mortgage is covered by
the Home Ownership and
Equity Protection Act.
Valid codes:
Y = HOEPA Mortgage
N = Mortgage is not subject
to requirements of
HOEPA.
The original loan amount
of any subordinate
financing secured by the
property.
The amount of the yearly
payment increase, as
expressed as a
percentage amount, as
indicated on the Note.
For all Freddie Mac ARM
programs this flag should
be set to Y (Yes).
The percent that the
interest rate will be
rounded to on each
interest rate adjustment
date.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Applies to mortgages delivered
on or after 1/1/2004
Not an active field
Not an active field
Valid codes:
Y = Yes, the Mortgage is a
convertible ARM.
N = No, the Mortgage is not a
convertible ARM.
Y = interest rate rounded to
.125% at time of
adjustment.
This should be set to .125%
for all Freddie Mac ARM
programs.
This field must be LEFT
justified.
This field defaults to “N”.
This field defaults to “Y”.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Interest Rate
Original Monthly
P&I Payment
Start
293
298
Length
5
9
Format
N
Decimal 3
N
Decimal 2
Next Rate
Adjustment Date
307
6
YYMMDD
Next Payment
Adjustment Date
313
6
YYMMDD
Periodic Interest
Rate Cap
Indicator
319
1
A/N
Rate Cap
Percent
320
5
N
Decimal-3
Short Definition
The original interest rate
as indicated on the Note
The full monthly principal
and interest (P&I)
payment as indicated on
the note (excluding taxes
and any insurance).
The date of the next
interest rate change date
scheduled to occur after
the Delivery Date.
The date of the next
payment change date
scheduled to occur after
the Delivery Date.
Indicates whether the
Mortgage has a periodic
interest rate cap.
The maximum percentage
rate that the mortgage can
adjust within the
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Example: A value = .125%
must be formatted as 12500
when submitted to the
selling system.
Examples:
Enter 10.5% as 10500
Enter 5% as 05000
Enter 6 ¼% as 06250
This amount should include
dollars and cents
Example:
Enter $1,500.00 as 000150000
Comments
For Seller-Owned Modified
Mortgage, the rate in effect
after modification.
For construction to permanent
Mortgage, the rate in effect for
the permanent Mortgage.
For Seller-Owned Modified
Mortgages, the Monthly P&I
payment in effect after the
modification.
For construction to permanent
Mortgages, the monthly P&I
payment for the permanent
Mortgage.
For unadjusted ARMS, this
should be the initial rate
adjustment date.
This date must be one month
following the next interest
change date.
Valid codes:
Y = Yes, the mortgage has a
periodic cap.
N = No, the mortgage does
not have a periodic cap
Example:
Enter 2% as 02000
Enter 1.5% as 01500
This field defaults based on
data in the Rate Cap Percent
field. If there is data in the
Rate Cap Percent field then
the default value is “Y”. If the
Rate Cap Percent field is
empty, field defaults to “N”.
If this field is filled in it will
populate the Periodic Interest
Rate Cap field to “Y”.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Life of Loan Rate
Cap Indicator
325
1
A/N
Life of Loan Rate
Cap %
326
5
N
Decimal-3
Payment Cap
Optional/Mandat
ory Indicator
Mortgage Margin
331
1
A/N
332
4
N
Decimal 3
Net Negative
Amortization
Amount
336
8
N
Decimal-2
MI Company
344
2
A/N
Short Definition
adjustment period, as
indicated on the note
Indicates whether a
Mortgage has a life of loan
interest rate cap (also
known as the loan ceiling).
The maximum interest
rate over the life of the
Mortgage, as indicated on
the Note.
Indicates whether the
Payment Cap was
mandatory or optional.
The percent added to the
index value to determine
the new interest rate on
each adjustment date.
The mortgage margin is
indicated on the Note.
Negative amortization is
the amount by which the
monthly interest
calculated at the note rate
exceeds the Borrower’s
scheduled monthly
interest payment to the
Servicer.
The code that identifies
the Mortgage Insurance
companies approved by
Freddie Mac.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Comments
Valid codes:
Y - Yes, the mortgage has a
life of loan rate cap
N – No, the mortgages does
not have a life of loan
rate cap.
Example:
Enter 9% as 09000
Enter 1.5% as 01500
This field defaults based on
data in Life of Loan Rate Cap
field:
“Y” if LOLN Rate cap > 0
“N” if LOLN Rate cap = 0
“O” is the default value,
unless Seller enters other
data.
Example:
Enter 1.5% as 1500
Enter 2% as 2000
Not an active field.
This amount should include
dollar and cents.
This field is mandatory for
Payment Capped ARMs with
Negative Amortization.
Example:
Enter $1,500.00 as 00150000
Please note, Sellers may have
negotiated MI Company Codes
that are not listed below.
Mandatory for loans over 80%
LTV, unless otherwise specified.
38 = CMG
01 = General Electric
(GEMICO)
06 = Guranty (MGIC)
11 = PMI
Code 89 and 97 are for future
use.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
33 = Radian
13 = Republic Mtg Insurance
(RMIC)
24 = Triad Guaranty (Triad)
12 = United Guaranty (UGRIC)
31 = CalHFA
37 = MI Mass HFA
05 = CMG
02 = Verex
16 = HGIC
26 = FGIC
19 = USMIC
20 = IMGC
39 = FL HFA
70 = TMIC
71 = PHBC
For government guaranteed
mortgages, the valid values
are:
89 = Section 502 Guaranteed
Rural Housing
97 = Original LTV ratio greater
than 80%, and mortgage
insurance has been
canceled prior to delivery.
MI Certificate #
MI Loss
Coverage%
Reduced
346
356
359
10
3
1
A/N
N
A/N
For government guaranteed
programs (MI Company = 89,
97, or blank), leave this field
blank.
The certificate number of
the mortgage insurance
policy covering the
Property
The percentage of loss
coverage that the
mortgage insurance
company is providing for
the Mortgage.
Indicates whether the loan
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Example:
Enter 20% as 020
Mandatory for loans over 80%
LTV, or as otherwise specified.
For government guaranteed
programs (MI Company = 89,
97, or blank), leave this field
blank.
Mandatory for loans over 80%
LTV, or as otherwise specified.
Not an active field
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Documentation
Borrower Social
Security Number
Life of Loan
Floor
(LOL Floor)
360
9
A/N
369
5
N
Decimal-3
Filler
Credit Score
Value
374
375
1
3
Spaces
N
Short Definition
was underwritten using
reduced documentation
The social security
number of the Borrower
The Minimum Gross
Coupon Rate, that is, the
minimum rate to which the
interest rate may
decrease over the life of
the Mortgage as specified
in the Note.
The numeric value of the
Borrower’s Credit Score or
Indicator Score.
Developers Note: The LP
Decision Borrower Score
is equal to the Credit
Indicator Score.
Valid Values
Valid 9 digit social security
number
Example:
Enter 6.5% as 06500
Enter 6% as 06000
Enter blank if the Credit
Score is unusable due to
significant inaccurate credit
information or Credit Score is
unusable or not available due
to insufficient credit
information.
Example:
Enter 650 as 650
Filler
Credit Score
Type
378
379
1
1
Comments
Unless otherwise provided in
the Purchase Documents,
Mortgages with Life of Loan
Floors are not eligible for sale
to Freddie Mac.
Mandatory for servicing
released or Non-Loan
Prospector conventional
Mortgages. [GRH, FHA, VA
mortgages must not have a
CSV] The field may be left
blank for Non LP Mortgages
when the Credit Score Type
equals “I” or “T”:
I = significant inaccurate credit
information
T = insufficient credit
information
Spaces
A/N
The method used to select
the Credit Score Value
(Indicator Score) entered in
the Credit Score Value
field.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
The Credit Score Type
represents the method used
to select the Credit Score
Value. Valid codes:
1 = Middle/lower then lowest
method
2 = Middle/lower than
average method
3 = Average/ average method
I = Credit Score is unusable
due to significant


If you enter a Credit Score
Value (position 374), then
you must also enter a Credit
Score Selection method of
1,2, or 3.
Mandatory for Mortgages
not processed through Loan
Prospector.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
inaccurate credit
information.
T = Credit Score is unusable
or not available due to
insufficient credit
information.
MERS #
(Mortgage
Identification
Number (MIN))
380
18
A/N
Offering Code
398
3
A/N
Special
Characteristics
Codes
401
404
407
410
413
416
3
3
3
3
3
3
A/N
The unique number
assigned to each loan
registered on the
Mortgage Electronic
Registration System
(MERS)
The codes used to identify
specific mortgage
purchase offerings
These codes provide
additional information
relating to the mortgage.
Mandatory for MERS loans
only.
Valid codes:
400 = the 400 Streamlined
Purchase offering
401 = the 401 Streamlined
Purchase offering
510 = Alternative Stated
Income
Please note, Sellers may have
negotiated SCC Codes that are
not listed below.
Leading zeros are required.
VALID CODES FOR ALL
LOANS
The following SCC codes
must be delivered for all
loans.
Seller must identify whether
the loan is a Wholesale
Home Mortgage by using one
of the following SCC codes:
002 = a Wholesale Home
Mortgage.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Required for delivery if
applicable.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
018 = not a Wholesale Home
Mortgage.
185 = used ONLY if the
community participates in
the National Flood
Insurance Program
(NFIP), the dwelling is not
covered by flood insurance
and the Mortgage file
contains a FEMA Letter of
Map Amendment (LOMA)
or Letter of Map Revision
(LOMR) effectively
removing the dwelling from
the SFHA.
175, 180 = used if there is not
NFIP map for the
community where the
property is located.
Seller must identify the status
of the property’s flood
insurance coverage by using
one of the following SCC
codes:
170 = in SFHA with flood
insurance
185 = in SFHA without flood
insurance
175 = out of SFHA with flood
insurance
180 = out of SFHA without
flood insurance
OTHER REQUIRED SCC
CODES
Seller may be required to
deliver one or more of the
following SCC codes.
For Refinance Mortgages
The type of refinance must be
designated by using one of
the following SCC codes:
003 = cash-out refinance.
007 = no cash-out refinance.
288 = must be used when the
loan has been purchased
under the Freddie Mac
Owned Streamlines
Refinance Mortgage
program.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
If the Loan Purpose Code field
has a 2, 5 (refinance) or 4
(when applicable), an SCC
code of 003 or 007 must be
entered.
For SCC code 288, provide
the Associated Freddie Mac
loan number and the
applicable Reference Code.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
289 = must be used when the
loan has been purchased
under the Non-Freddie
Mac Owned Streamlined
Refinanced Mortgage
program.
For Manufactured Housing
Mortgages
Use one of the following SCC
codes if the Property Type
Code is 4:
951 = Single-wide.
952 = Multi-wide.
For Applicable California
Condominium Mortgages
Use one of the following SCC
codes if the delivery fee for
the Mortgage secured by
California condominiums is
waived or reduced:
257 = fee reduced based on
partial earthquake
insurance.
259 = fee waived based on
full earthquake
insurance.
261 = fee waived based on a
project evaluation.
For all Affordable Housing
Initiatives (AHI) programs
G14 – FM 100 Mortgages
G15 – Affordable Merit Rate
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
If a Mortgage secured by a
California Condominium
unit is delivered to Freddie
Mac without SCC 257, 259
or 261, the seller will be
assessed a 1 percent
delivery fee.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Mortgages
For Mortgages with
Financed Mortgage
Insurance Premium
Seller must devise an SCC
code using the number 6 and
the gross LTV ratio between
and including 681 and 695.
Example:
for a loan with a 90% LTV
ratio with financed MI, the
Seller must enter an SCC =
690 and the gross LTV ratio
(which would be higher than
90%) through the LTV ratio
field.
For Mortgages with LenderPaid Mortgage Insurance
019 = to designate the loan
as having Lender Paid
MI.
For Mortgages with
Buydowns
For mortgages with
temporary subsidy buydowns
use one of the following:
009 = for a 2-1 buydown
014 = for a 3-2-1 buydown
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
For Prepayment Protection
Mortgages
113 = must be used for any
Prepayment Protection
Mortgage.
For Loan Prospector
Mortgages using Form
2070, or equivalent
Select one of the following
codes to indicate which
version of the Form 2070, or
its equivalent, was used for
the Loan Prospector
Mortgage:
902 = Loan Prospector
Mortgage delivered with
Form 2070 (interior
inspection)
903 = Loan Prospector
Mortgage delivered with
Form 2070 (exterior-only
inspection)
904 = Loan Prospector
Mortgage delivered with
FNMA Form 2075 as
substitute for Form 2070
Mortgages for Newly
Constructed Homes
914 = Two closing construction
to permanent Mortgages
(old value)
916 = Mortgaged premises are
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Comments
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments
completed after application
(old value)
Borrower Race
Field #1
419
1
A/N
The race or national origin
of the Borrower
934 = One closing
construction to
permanent Mortgage (old
value).
D49 - Newly Built Home
Mortgages – Site Built
D50 - Newly Built Home
Mortgages – Manufactured
Home
D51 - Construction
Conversion/Renovation
Mortgages – Site Built
D52 - Construction Conversion
Mortgages – Manufactured
Home
D53 - Seasoned Mortgage For
Newly Constructed Home
Valid codes:
1 = American Indian/Alaska
Native
2 = Asian
3 = Black or African American
4 = Native Hawaiian or other
Pacific Islander
5 = White
6 = Information not provided
by Borrower in mail,
Internet or telephone
application.
7 = Not applicable (Use when
the Borrower is an entity
rather than an individual).
Note: Up to five Borrower
Race codes may be selected.
Use fields 237-240 for
additional fields
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages
If the Mortgage will be
delivered on or after 1/1/2004
and the Mortgage application
was completed prior to
1/1/2004, the following
conversion rules apply:
 If the Borrower’s Race
selection on the
application dated prior to
1/1/2004 = 1 (American
Indian/Alaskan Native),
deliver Race = 1
(American Indian/Alaska
Native).
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Valid Values
Comments






November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
If the Borrower’s Race
selection on the
application dated prior to
1/1/2004 = 2 (Asian or
Pacific Islander), deliver
Race = 2 (Asian).
If the Borrower’s Race
selection on the
application dated prior to
1/1/2004 = 3 (Black [Not
Hispanic]), deliver Race =
3 (Black or African
American).
If the Borrower’s Race
selection on the
application dated prior to
1/1/2004 = 4 (Hispanic),
deliver Race = 7 (Not
Applicable).
If the Borrower’s Race
selection of on the
application dated prior to
1/1/2004 = 5 (White [Not
Hispanic]), deliver Race =
5 White.
If the Borrower’s Race
selection on the
application dated prior to
1/1/2004 = 6 (Other),
deliver Race = 7 (Not
Applicable).
If the Borrower’s Race
selection on the
application dated prior to
1/1/2004 = 7 (Information
not provided by Borrower
for an application received
by mail or telephone),
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Co-borrower
Race Field #1
Borrower
Gender
Start
420
421
Length
1
1
Format
A/N
A/N
Short Definition
The race or national origin
of the Co-borrower. If
there is more than one
Co-borrower, enter the
data for the first Coborrower listed on the
application.
The gender of the
borrower.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Valid codes:
1 = American Indian/Alaska
Native
2 = Asian
3 = Black or African American
4 = Native Hawaiian or other
Pacific Islander
5 = White
6 = Information not provided
by Borrower in mail,
Internet or telephone
application.
7 = Not applicable (Use when
the Borrower is an entity
rather than an individual).
8 = No Co-Borrower
Note: Up to five Borrower
Race codes may be selected.
Use fields 237-240 for
additional fields
Valid codes:
1 = Male
2 = Female
3 = Information not provided
by Borrower in mail,
internet or telephone
Comments
deliver Race = 6
(Information not provided
by Borrower in mail,
Internet or telephone
application).
 If the Borrower’s Race
selection on the
application dated prior to
the 1/1/2004 = 8 (Note
Applicable), deliver Race =
7 (Not Applicable).
Refer to Comments for Field
419.
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Co-borrower
Gender
422
1
A/N
The gender of the Coborrower. If there is more
than one Co-borrower,
enter the data for the first
Co-borrower listed on the
application.
Borrower Age
423
2
N
Decimal0Decimal0
The age of the Borrower
expressed in years.
Co-borrower Age
425
2
N
Decimal0Decimal0
First Time
Homebuyer
427
1
A/N
The age of the Coborrower expressed in
years. If there is more
than one Co-borrower,
enter the data for the first
Co-borrower on the
application
Indicates whether the
Borrower is a first-time
homebuyer.
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
application.
4 = Not Applicable (Use when
the Borrower is an entity
rather than an individual).
Valid codes:
1 = Male
2 = Female
3 = Information not provided
by Borrower in mail,
internet or telephone
application.
4 = Not Applicable (Use when
the Borrower is an entity
rather than an individual).
5 = No Co-Borrower
Enter the age of Borrower, as
listed on the loan application.
Additional valid values:
98 = Use when Borrower
does not provide age on
the application.
99 = Use when Borrower’s
age is 99 or older.
Blank = Use when not
applicable (only to be
used when Borrower is
an entity rather than an
individual).
Refer to valid values in Field
423.
Valid values:
Y = Yes, one of the
Borrowers who will reside
Comments
Refer to Comments for Field
421.
This data is mandatory except
for Notes originated prior to
1/1/93 and Mortgage
applications completed on or
after 1/1/2004; however, the
data should be delivered, if
available for these mortgages.
This data is mandatory except
for Notes originated prior to
1/1/93 and Mortgage
applications completed on or
after 1/1/2004; however, the
data should be delivered, if
available for these mortgages.
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
Number of
Borrowers
428
2
N
Year Built
430
4
N
YYYY
The total number of
Borrowers. Individuals
who sign the security
instrument but not the
note are not considered
Borrowers
The year the property was
built.
Number of
Bedrooms
(by unit)
Unit 1 =
434
Unit 2 =
435
Unit 3 =
436
Unit 4 =
437
1
N
Decimal0Decimal0
The total number of
bedrooms in a 1 unit
property or in each unit for
a 2-4 unit property
Gross Monthly
Unit 1 =
1
1
1
5
N
This is the gross monthly
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Comments
in the Property is a first
time homebuyer.
N = No, none of the
Borrowers will reside in
the property.
Blank = The First-Time
Homebuyer indicator field
must be left blank when
the Purpose of Loan field
has a value = 2-5
should be delivered, if
available for these mortgages.
This field must be populated
with a Y or N if the Purpose of
the Loan Code is 1
(Purchase).
This field should be blank if the
Purpose of the Loan Code is
2-5.
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages.
Enter the number of
bedrooms for each unit
identified in Field 189
(Number of Units) for either
 1-unit investment
property (Purpose of
Loan Code = 3, 5)
 for each unit in a 2-4-unit
property.
If the 2-4-unit property is
owner-occupied (Purpose of
Loan Code = 1), enter a zero
in any unit(s) that Borrower(s)
occupy.
Whole Dollars only (round to
This data should be delivered,
if available for these
mortgages.
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages.
Required for all investment
properties and 2-4 unit
properties.
This data is mandatory except
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Rent
(by unit)
Start
438
Unit 2 =
443
Unit 3 =
448
Unit 4 =
453
Length
Format
Short Definition
Decimal-0
rental income per unit as
indicated on the signed
lease(s) for the Property.
If there is no active lease
for a unit, or the Borrower
rents the unit to a family
member, enter the gross
monthly rental income as
estimated on the
applicable appraisal report
or addenda.
5
5
5
Valid Values
the nearest dollar)
Enter the gross monthly
rental income for each unit
identified in Field 246
(Number of Units) for either
 1-unit investment
property (Purpose of
Loan Code = 3, 5)
 for each unit in a 2-4-unit
property.
Comments
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages.
If the 2-4-unit property is
owner-occupied (Purpose of
Loan Code = 1), enter a zero
in any unit(s) that Borrower(s)
occupy.
Monthly Housing
Expense
458
5
N
Decimal-0
Example:
Enter $1,500.00 as 01500
Whole Dollars only (round to
the nearest dollar)
Borrower Date of
Birth
463
8
YYYYMM
DD
The monthly housing
expense is the sum of the
monthly charges on the
Borrower’s Personal
Residence.
The date of birth of the
Borrower
Co-borrower
Date of Birth
471
8
YYYYMM
DD
The date of birth of the
Co-borrower
The date of birth of the Coborrower as listed on the
Mortgage application.
Monthly Debt
Payment
479
5
N
Decimal-0
The sum of the Borrower’s
monthly debt payments.
See Section 37.16 for
more details.
Whole Dollars only (round to
the nearest dollar).
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Example:
Enter $1,500.00 as 01500
The date of birth of the
Borrower, as listed on the
Mortgage application.
Example:
Enter $2,500.00 as 02500
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages.
This data is mandatory for
Mortgage applications
completed on or after
1/1/2004.
This data is mandatory for
Mortgage applications
completed on or after
1/1/2004.
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Monthly Income
Start
484
Length
6
Format
N
Decimal-0
Short Definition
The total monthly income
used to qualify the
Borrower(s).
Valid Values
Whole Dollars only (round to
the nearest dollar).
Example:
Enter $11,502.51 as 011503
Index Lookback
Days
490
2
N
Decimal-0
First Rate
Adjustment Min.
Rate
First Rate
Adjustment Max
Rate
Index Source
Code
492
5
N
Decimal-3
497
5
N
Decimal-3
502
3
A/N
Filler
Down Payment
Sources
505
Source
1 = 508
Source
2 = 510
Source
3 = 512
Source
4 = 514
3
2
Spaces
2
A/N
The number of days
between the Interest Rate
Change Date and the date
the value of the Index is
determined.
The minimum interest rate
at the first Interest Change
Date.
The maximum interest
rate at the first Interest
Change Date.
A Freddie Mac code to
identify the index used to
determine the new rate of
interest at each Interest
Change Date.
The source(s) of the
Borrower’s down
payment, up to a
maximum of four codes.
2
2
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Example:
Enter 7% as 07000
Enter 7.5% as 07500
Example:
Enter 7% as 07000
Enter 7.5% as 07500
Valid codes:
002 = 3YR Weekly Constant
Maturity Treasury
003 = 5YR Weekly Constant
Maturity Treasury
004 = 1YR Weekly Constant
Maturity Treasury.
005 = 11th District Monthly
Cost of Funds Index
007 = 6 Month Libor
Valid codes:
01 = gift from relative
02 = gifts or grants from a
non-profit religious
organization or non-profit
community organization.
03 = gifts or grants from a
federal government
program
04 = gifts or grants from a
state government
Comments
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages.
Enter a zero if the first Interest
Change Date occurs before
the delivery date.
Enter a zero if the first Interest
Change Date occurs before
the delivery date.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Down Payment
Amounts
Closing Costs
Sources
Start
Amount
1 = 516
Amount
2 = 522
Amount
3 = 528
Amount
4 = 534
Source
1 = 540
Source
2 = 542
Source
3 = 544
Source
4 = 546
Length
6
Format
N
Decimal-0
6
6
Short Definition
The dollar amount of the
Borrower’s down payment
attributable to the
corresponding down
payment source code.
6
2
2
A/N
The source(s) for paying
the Borrower’s closing
costs, up to a maximum of
four codes.
2
2
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
program
05 = gifts or grants from a
local government
program
06 = gifts or grants from
employer
07 = other Borrower cash or
equity
08 = unsecured loan
10 = other
11 = premium funds
12 = secondary financing
Whole Dollars only (round to
the nearest dollar)
For example, a mortgage with
two sources of Down
Payment (specified in Fields
540 and 542) using codes 01
and 07, respectively (gift from
relative and Borrower’s own
funds) for $500 each would
be entered as 000500 in
position 548 and 000500 in
position 554.
Example:
Enter $500.00 as 000500
Valid codes:
01 = gift from relative
02 = gifts or grants from a
non-profit religious
organization or non-profit
community organization
03 = gifts or grants from a
federal government
program
04 = gifts or grants from a
Comments
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Closing Cost
Amounts
Secondary
Financing
Sources
Start
Amount
1 = 548
Amount
2 = 554
Amount
3 = 560
Amount
4 = 566
Source
1 = 572
Source
2 = 574
Length
6
Format
N
Decimal-0
6
Short Definition
The dollar amount of the
closing costs attributable
to the corresponding
closing costs source code
6
6
2
A/N
Identifies the source of the
secondary financings
2
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
state government
program
05 = gifts or grants from a
local government
program
06 = gifts or grants from
employer
07= Borrower’s own funds
08 = unsecured loan
09 = property seller
contributions
10 = other
11 = premium funds
12 = secondary financing
Whole Dollars only (round to
the nearest dollar)
Comments
Required for delivery if
applicable.
Example: A mortgage with
two sources of closing costs
(specified in Fields 540 and
542) using codes 01 and 07,
respectively (gift from relative
and Borrower’s own funds)
for $500 each would be
entered as 000500 in position
548 and 000500 in position
554.
Example:
Enter $500.00 as 000500
Valid codes for NonAffordable Housing
Mortgages with Secondary
Financing:
Blank = No secondary
financing
20 = HELOC
30 = Other secondary
Mandatory for Mortgages with
secondary financing.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Secondary
Financing
Amount
Start
Amount
1 = 576
Amount
2 = 582
Length
6
Format
Short Definition
N
Decimal-0
The dollar amount of the
secondary financing
attributable to the
corresponding secondary
financing code rounded to
the nearest dollar.
6
Valid Values
Financing
Whole Dollars only (round to
the nearest dollar).
Example:
A mortgage with one second
mortgage funded by a
Federal government program
in the amount of $2000 would
be entered:
Position 572 = 03
Position 576 = 002000
Homeowner
Education /
Education
Administrator
Code 1
= 588
Code 2
= 589
1
Homeowner
Education /
Education
Format
Code 1
= 590
Code 2
= 591
1
Filler
Co-borrower
Name
592
596
4
20
A/N
The applicable code for
the administrator of the
counseling program, up to
a maximum of two codes.
A/N
The applicable code for
the format of the
counseling program, up to
a maximum of two codes.
1
1
Comments
When a Secondary Financing
Source code of ‘20” is entered
for a HELOC, enter the
disbursed amount or used
portion at closing, not the
maximum credit loan amount.
If no disbursements have
occurred, enter zero.
This data is mandatory except
for Notes originated prior to
1/1/93; however, the data
should be delivered, if
available for these mortgages.
Valid codes:
L= Lender (Freddie Mac
Seller/ Servicer)
N = Non-profit organization
P = Public or government
agency
O = Other
X = Borrower education not
required
Blank = Borrower did not
participate
Valid codes:
C = Classroom
H = Home study
I = Individual
O = Other
X = Borrower education not
required
Blank = Borrower did not
participate
Spaces
A/N
The name of a second
Borrower who is obligated
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Enter the Borrower’s last
name, then a comma,

Mandatory if more than one
borrower exists.
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
Start
Length
Format
Short Definition
to repay the Note secured
by the Property. The term
“Co-borrower” is used to
distinguish between
multiple Borrowers, not to
rank the Borrowers. If
there is more than one
Co-borrower, enter the
data for the first Coborrower listed on the
application.
Valid Values
followed by the first initial or
name.
Example:
Enter John Smith in either
format shown below:
Smith,J
Smith,John
Comments





Co-borrower
Social Security
Number
616
9
A/N
Loan Prospector
AUS Key
Number
625
8
A/N
Filler
Rate Spread
633
634
1
4
Spaces
N
Decimal-2
The field will be parsed.
All characters before the
comma will be considered
the last name.
All characters after the
comma will be considered
the first name.
If the last name is longer
than 19 characters, truncate
it. Put a comma in the 19th
position and the first letter of
the first name in the 20th
position.
If the first name is left blank,
a value of “unknown” will be
assigned.
The social security
number of the Coborrower, if more than one
Borrower exists. If there
is more than one Coborrower, enter the data
for the first Co-borrower
listed on the application.
The unique number that
Loan Prospector assigns
to each loan processed
through Loan Prospector
Valid 9-digit social security
number.
Mandatory if more than one
borrower exists.
Provided by Loan Prospector
Mandatory for Mortgages
processed through Loan
Prospector.
The spread between the
annual percentage rate
(APR) on a Mortgage and
the rate on Treasury
securities with comparable
maturity periods
Examples:
Enter 3.5% as 0350
Enter 10.5% as 1050
Enter 5% as 0500
Enter 6 ¼% as 0625
Mandatory for Mortgages
where rate spread is  3% for
first liens
Enter for Mortgages delivered
on or after 1/1/2004.
For Mortgage applications
completed before 1/1/2004, in
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Appendix B – Form 13 File Format
Form 11/13SF Interface Specifications
Field Name
SCC Fields 7
through 10
Start
638
641
644
647
Length
3
3
3
3
Format
Short Definition
A/N
November 2006
CONFIDENTIAL - DO NOT DISTRIBUTE
Valid Values
Comments
which the rate lock occurred
after 1/1/2004, lenders must
calculate and report the Rate
Spread.
FOR FUTURE USE
Form 11/13SF Interface Specifications
EXHIBIT 1
Instructions for Completing the
First-Time Homebuyer Indicator Field
Definition of First-Time Homebuyer
A First-Time Homebuyer is an individual who meets all of the following requirements:
 Is purchasing the Mortgaged Premises
 Will reside in the Mortgaged Premises as a Primary Residence
 Had no ownership interest (sole or joint) in a residential property during the three-year period
preceding the date of the purchase of the Mortgaged Premises
In addition, a displaced homemaker or a single parent may also be considered a First-Time Homebuyer if
the individual had no ownership interest in a residential property during the preceding three-year period
other than an ownership interest in the marital residence with a spouse. If a displaced homemaker or a
single parent solely owned the marital residence, or solely or jointly owned a second home or Investment
Property, the individual may not be considered a First-Time Homebuyer.
When to complete the First-Time Homebuyer indicator field
The First-Time Homebuyer indicator field must be completed on the Form 11 or Form 13SF with either a
“Y” or an “N” when the purpose of the loan field on Form 11 or Form 13SF is completed with a “1”
(owner-occupied/purchase).
The First-Time Homebuyer indicator field on the Form 11 or From 13SF must be left blank when the
purpose of loan field on Form 11 or Form 13SF is completed with a:
 “2” (owner-occupied/refinance)
 “3” (investment property/purchase)
 “4” (second home)
 “5” (investment property/refinance)
How to complete the First-Time Homebuyer indicator field
The following steps should be followed to interpret the responses to questions l and m of Section VIII,
and the Borrower information in Section III if applicable, of the Form 65 into a single First-Time
Homebuyer indicator when selling Mortgages to Freddie Mac.
Step I. Action
1
Review the responses to question l of Section VIII of the Form 65, “Do you intend to occupy the property
as your primary residence?”
a) Then…
If …
all of the applicants responded “no” to this
question
Any of the applicants responded “yes” to this
question
2
No further review is needed because the applicants
will be using the Mortgaged Premises as either a
second home or an investment property; therefore the
First-Time Homebuyer indicator field must be left
blank.
No further action is necessary.
Proceed to Step 2 for those applicants that responded
“yes” to this question
Review the responses to question m of Section VIII of the Form 65, “Have you had an ownership interest
in a property in the last three years?” for those applicants who responded “yes” to question l. (Note:
Only one of the applicants has to qualify as a First-Time Homebuyer for a Seller to report a “Y” in the FirstTime Homebuyer indicator field.)
If…
Then…
November 2006
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Form 11/13SF Interface Specifications
Step I. Action
any of the applicants responded “no” to this
question
Report a “Y” in the First-Time Homebuyer indicator
field, no matter how the other applicants responded to
this question.
No further action is necessary.
3
All of the applicants responded “yes” to this
Proceed to Step 3
question
Review the responses to question m(subsection 1) of Section VIII of the Form 65, “What type of property
did you own – principal residence (PR), second home (SH), or investment property (IP)?”
If…
Then…
All of the applicants responded “SH” or “IP” to
this question
Any of the applicants responded “PR” to this
question
4
Report an “N” in the First-Time Homebuyer
indicator field
No further action is necessary.
Proceed to Step 4
Review the responses to question m(subsection 2)of Section VIII of the Form 65, “How did you hold title
the home – solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?”
If…
Then…
All of the applicants responded “S” or “O” to this
question
Report an “N” in the First-Time Homebuyer indicator
field
Any of the applicants respond “SP” to this
question
No further action is necessary
Review Section III, Borrower Information, on page 1
of the Form 65 to determine the marital status and
number of dependents for each applicant who
responded “SP”
If the applicant’s
marital status is
either …
“unmarried” (and he
or she has
dependents) or
“separated”
(regardless of
whether he or she has
any dependents)
“married” or
“unmarried” (and he
or she has no
dependents)
Then…
The applicant qualifies as a
“single-parent” or a
“displaced homemaker”;
therefore, report a “Y” in the
First-Time Homebuyer
indicator field.
No further action is necessary
Report an “N” in the FirstTime Homebuyer indicator
field
No further action is necessary
November 2006
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