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. If HUD requests a case binder that is maintained electronically, the Mortgagee must follow the requirements in the Electronic Case Binder Developer’s Guide. The Electronic Case Binder Developer's Guide is available from the Lender Insurance Program web page at https://www.hud.gov/program_offices/housing/sfh/lender/lendins
For additional information see Handbook 4000.1 II.A.7.e.iv. available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh