Single-Family Uniform Instruments
Authorized Changes for Notes, Riders, Security Instruments and Uniform Residential
Loan Application
All of the language changes authorized by Freddie Mac on the authorized change
pages provided below and in Exhibit 5 of the Freddie Mac Single-Family
Seller/Servicer Guide are permissible, and some are required, for Mortgages
originated using the Fannie Mae/Freddie Mac or Freddie Mac Uniform Instruments
when sold to Freddie Mac.
The changes set forth on the authorized change pages may not be the only changes
required under applicable law and/or state and local recording requirements
with respect to a specific loan originator or loan transaction. Accordingly,
originators should have qualified legal counsel review loan documentation
for compliance with applicable law.
PLAIN LANGUAGE
If the authorized change is to a "plain language" form, the plain
language version of a change must be used. If no special plain language version
of a change is given, the version provided, or an originator-prepared alternative
in substantially that wording, may be used subject to Seller's legal counsel's
review and approval.
CROSS-REFERENCES
Cross-references in the documents may be adjusted, where necessary, to reflect
changes in paragraph numbering or pagination resulting from Authorized Changes.
BORROWER INITIALS
Although not required, originators may include at the bottom of each page,
"initial lines" on which the Borrower may insert initials to acknowledge
that all pages of the document are present. If initial lines are provided,
the originator is not required to have the Borrower initial the document,
but if the Borrower does initial the document, the originator must require
that the Borrower initial each and every page as indicated.
TAGLINES
The Agency tagline must be present on all Uniform Instruments used to originate
Single-Family residential mortgage loans for sale to Freddie Mac. Under no
circumstances should the Agency tagline be removed or altered in any way.
Absence of the Agency tagline categorizes a form as "nonstandard."
Mortgages originated on nonstandard forms are not eligible for sale to Freddie
Mac unless a Seller's Purchase Documents provide for the purchase of such
Mortgages.
Freddie Mac does allow the placement of company information and/or the insertion
of a customized tagline in the footer of the form, below the Agency tagline.
AUTHORIZED CHANGES
The authorized change pages are provided in word processing format. Originators
should use Microsoft Word 6.0/95 or higher (or compatible word processing
software) when accessing the documents provided on this website.
If you experience any difficulties opening the forms provided on this
website, please refer to the question 14 on the Frequently
Asked Question page.
Please direct Uniform Instrument related questions or comments to the Uniform
Instrument Mailbox: Uniform_Instruments@freddiemac.com
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