Notes and Note Addenda
The Uniform Instruments provided below are the Fannie Mae/Freddie Mac and Freddie Mac Notes 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 Notes 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.
Fixed Rate
| Resource | Link |
|---|---|
| Form 3200: Multistate Fixed Rate Note |  View Editable Note |
| Form 3202: Alaska Fixed Rate Note | View Editable Note |
| Form 3210: Florida Fixed Rate Note | View Editable Note |
| Form 3220: Maine Fixed Rate Note | View Editable Note |
| Form 3230: New Hampshire Fixed Rate Note | View Editable Note |
| Form 3233: New York Fixed Rate Note | View Editable Note |
| Form 3246: Vermont Fixed Rate Note | View Editable Note |
| Form 3247: Virginia Fixed Rate Note | View Editable Note |
| Form 3249: West Virginia Fixed Rate Note | View Editable Note |
| Form 3250: Wisconsin Fixed Rate Note | View Editable Note |
| Form 3253: Puerto Rico Fixed Rate Note | View Editable Note |
Affordable Merit Rate
| Resource | Link |
|---|---|
| Form 3294: Multistate Affordable Merit Rate Note Addendum | View Editable Note |
Balloon/Reset
| Resource | Link |
|---|---|
| Form 3290: Multistate Balloon Note (Fixed Rate) | View Editable Note |
| Form 3291: Multistate Balloon Note Addendum (Conditional Modification & Extension) | View Editable Note |
| Form 3292: Multistate Balloon Note Addendum (Conditional Right to Refinance) | View Editable Note |
Adjustable Rate
| Resource | Link |
|---|---|
| 11th District Cost of Funds Index | |
| Form 3510: Multistate Adjustable Rate Note (Assumable during Life of Loan) | View Editable Note |
| 6-Month LIBOR Index | |
| Form 5520: Multistate Adjustable Rate Note (Assumable during Life of Loan)(1st Business Day Lookback) | View Editable Note |
| Form 5522: Multistate Adjustable Rate Note (Assumable during Life of Loan)(45-Day Lookback) | View Editable Note |
| Form 5523: Multistate Adjustable Rate Note (Assumable after Initial Period)(1st Business Day Lookback) | View Editable Note |
| Form 5524: Multistate Adjustable Rate Note (Assumable after Initial Period)(45-Day Lookback) | View Editable Note |
| 1-Year LIBOR Index | |
| Form 5530: Multistate Adjustable Rate Note (Assumable during Life of Loan)(45-day Lookback) | View Editable Note |
| Form 5531: Multistate Adjustable Rate Note (Assumable after Initial Period)(45-day Lookback) | View Editable Note |
| Form 5541: Multistate Adjustable Rate Note (Assumable during Life of Loan)(First Business Day Lookback) | View Editable Note |
| Form 5542: Multistate Adjustable Rate Note (Assumable after Initial Period)(First Business Day Lookback) | View Editable Note |
| 1-Year Treasury Index | |
| Form 3501: Multistate Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3501.02: Alaska Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3501.10: Florida Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3501.30: New Hampshire Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3501.46: Vermont Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3501.47: Virginia Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3501.49: West Virginia Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3501.50: Wisconsin Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3501.53: Puerto Rico Adjustable Rate Note (Assumable during Life of Loan - 1%) | View Editable Note |
| Form 3502: Multistate Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 3502.02: Alaska Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 3502.10: Florida Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 3502.30: New Hampshire Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 3502.46: Vermont Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 3502.47: Virginia Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 3502.49: West Virginia Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 3502.50: Wisconsin Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 3502.53: Puerto Rico Adjustable Rate Note (Assumable during Life of Loan - 2%) | View Editable Note |
| Form 5510: Multistate Adjustable Rate Note (Assumable after Initial Period) (45-day Lookback) | View Editable Note |
| Form 5547: Multistate Adjustable Rate Note (Assumable during Life of Loan) | View Editable Note |
| Form 5548: Multistate Adjustable Rate Mortgage Note (Assumable after Initial Period) (1st Business Day Lookback) | View Editable Note |
| 3-Year Treasury Index | |
| Form 3504: Multistate Adjustable Rate Note (3-Year ARM) | View Editable Note |
| Form 5525: Multistate Adjustable Rate Note (3-Year ARM)(Assumable during Life of Loan)(1st Business Day Lookback) | View Editable Note |
| 5-Year Treasury Index | |
| Form 3514: Multistate Adjustable Rate Note (5-Year ARM) | View Editable Note |
| Form 5535: Multistate Adjustable Rate Note (5-Year ARM)(Assumable during Life of Loan)(1st Business Day Lookback) | View Editable Note |
Convertible/Adjustable Rate
| Resource | Link |
|---|---|
| 6-Month LIBOR Index | |
| Form 5521: Multistate Convertible/Adjustable Rate Note (Assumable during Life of Loan) | View Editable Note |
| 1-Year LIBOR Index | |
| Form 5532: Multistate Convertible/Adjustable Rate Note (Assumable during Life of Loan) | View Editable Note |
| Form 5533: Multistate Convertible/Adjustable Rate Note (Assumable during Life of Loan) | View Editable Note |
| Form 5534: Multistate Convertible/Adjustable Rate Note (Assumable after Initial Period) | View Editable Note |
| 1-Year Treasury Index | |
| Form 5511: Multistate Convertible/Adjustable Rate Note (Assumable during Life of Loan) | View Editable Note |
| Form 5512: Multistate Convertible/Adjustable Rate Note (Assumable during Life of Loan) | View Editable Note |
| Form 5513: Multistate Convertible/Adjustable Rate Note (Assumable after Initial Period) | View Editable Note |
Biweekly
| Resource | Link |
|---|---|
| Form 3288: Multistate Biweekly Fixed Rate Note | View Editable Note |
| Form 3289: Multistate Biweekly Fixed Rate Note (Without Conversion) | View Editable Note |
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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