"Rob, do you have any idea how long an originator, broker, whoever, has to keep a copy of the loan file? That is probably a question that has many conditions and answers, but any insight would be helpful." It depends on when you think you'll have to defend yourself against a buyback! Seriously, that is a simple question with a complex answer which is based on the state, whether or not the loan funded or cancelled, who the investor is/was, what the program is, whether or not tribal lands are involved, who the agency is, who is servicing the loan, etc. Fannie and Freddie, for example, have it in their seller/servicer guides. But here, thanks to the folks at DogMagic, uh, I mean DocMagic, is a handy-dandy guide.