Special Purpose Instruments

The Uniform Instruments provided below are the Fannie Mae/Freddie Mac and Freddie Mac instruments used when originating Single-Family residential mortgage loans, in all States and U. S. Territories. Freddie Mac encourages originators to use the Fannie Mae/Freddie Mac and Freddie Mac Single-Family Uniform Instruments whenever possible; however, Freddie Mac Seller/Servicers must use the applicable Single-Family Uniform Instruments for Mortgages delivered and sold to Freddie Mac.

The Special Purpose Instruments provided below are available in word processing format. Originators should use Microsoft Word 6.0/95 or higher (or compatible word processing software) when accessing the instruments provided on this website.

Modification Agreements

Resource
Form 3180: Multistate Agreement to Convert [DOC 17K]
Form 3293: Multistate Balloon Loan Modification Agreement [DOC 19K]
Form 5161: Multistate Loan Modification Agreement (to a Fixed Interest Rate) [DOC 19K]

Construction Conversion Modification Agreements

The Multistate Construction Conversion Modification Agreement forms below are to be used to convert interim construction financing to permanent financing in various circumstances. These forms cannot be used to modify any Mortgage that is already owned by Freddie Mac.

Resource
Form 5162: Multistate Construction Conversion Modification Agreement - Fixed Interest Rate (Modification of Note) [DOC 20K] This Agreement is to be used when the interim construction financing was originated on the Fannie Mae/Freddie Mac Uniform [fixed rate] Note and the permanent financing will be at a fixed interest rate.
Form 5163: Multistate Construction Conversion Modification Agreement - Adjustable Interest Rate (Modification of Note) [DOC 25K] This Agreement is to be used when the interim construction financing was originated on a Fannie Mae Adjustable Rate Note or a Freddie Mac Adjustable Rate Note and the permanent financing will be at an adjustable rate using the same adjustable rate mortgage product (same Index, Lookback Period and due-on-sale provisions).
Form 5164: Multistate Construction Conversion Modification Agreement - (New Note) [DOC 18K] This Agreement is to be used when the interim construction financing was originated using either (i) a promissory note other than a Fannie Mae/Freddie Mac, Fannie Mae or Freddie Mac Uniform Note, or (ii) a mortgage product that is different from the mortgage product that will be used for the permanent financing.
Form 5165: Multistate Construction Conversion Modification Agreement - Fixed Interest Rate (Embedded Fixed-rate Financing Terms) [DOC 28K] This Agreement is to be used when the interim construction financing was originated using either (i) a promissory note other than the Fannie Mae/Freddie Mac Uniform [fixed-rate] Note, or (ii) a mortgage product that is different from the mortgage product that will be used for the permanent financing, and (iii) the permanent financing will be at a fixed interest rate.

New York CEMA

Resource
Form 3172: New York Consolidation, Extension, and Modification Agreement [DOC 29K]

Texas Home Equity

Resource
Form 3044.1: Texas Home Equity Security Instrument (First Lien) [DOC 80K]
Form 3140.44: Texas Home Equity Condominium Rider [DOC 18K]
Form 3150.44: Texas Home Equity Planned Unit Development Rider [DOC 17K]
Form 3185: Texas Home Equity Affidavit and Agreement (First Lien) [DOC 47K]
Form 3244.1: Texas Home Equity Note (Fixed Rate - First Lien) [DOC 30K]

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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