eNote Specification for eMortgages

The new eNote Specification will offer improved functionality and greater clarity to support delivery of electronic Notes (eNotes) delivered to Fannie Mae.

Have Questions? Contact the eNote Team.

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Fannie Mae and Freddie Mac (the GSEs) are soliciting feedback from eMortgage technology providers on the existing MISMO v1.02 eNote format, and if the new MISMO v3 eNote format should be adopted by the GSEs. We anticipate providing additional information in the coming weeks.

Get to Know the eNote Specification

What's New

  • ULDD Phase 3 Reminder

    Sellers should be collecting the new Uniform Loan Delivery Dataset (ULDD) Phase 3 data points for loans with an Application Received Date on or after Jan. 1. Fannie Mae and Freddie Mac are also working to respond to industry concerns about providing closing cost and down payment data.

  • ULDD Phase 3 Updates

    The GSEs have updated the ULDD Ph. 3 data points to further align on loan delivery requirements and policy changes.