The mortgagee must maintain their mortgage file, including the case binder, in either hard copy or electronic format for a period of two years from the date of endorsement.
Mortgagees retaining Electronic Case Binders (eCBs) are not required to maintain a separate version of the eCB indexed for electronic submission to HUD.
Documents provided in paper binders must be clear, legible and stacked in accordance with the requirements of HUD Handbook 4000.1 II.A.7.d.ii(C)
Documents provided in electronic case binders must be clear, legible and indexed in the order specified in the Electronic Case Binder Developers Guide at https://www.hud.gov/pub/chums/electronicCaseBinder.pdf
For additional information see Handbook 4000.1 I.A.5.b.available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh and the Lender Insurance Program web page at https://www.hud.gov/program_offices/housing/sfh/lender/lendins