How long do I have to retain the original FHA case binder?

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

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-04941