Riders

The Uniform Instruments provided below are the Fannie Mae/Freddie Mac and Freddie Mac Riders 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 Riders 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.

Property Type Riders

Resource
Form 3140: Multistate Condominium Rider
Form 3140.53: Puerto Rico Condominium Rider
Form 3150: Multistate Planned Unit Development Rider
Form 3150.53: Puerto Rico Planned Unit Development Rider
Form 3170: Multistate 1-4 Family Rider
Form 3170.53: Puerto Rico 1-4 Family Rider
Form 3890: Multistate Second Home Rider
Form 3890.53: Puerto Rico Second Home Rider

Affordable Merit Rate

Resource
Form 3194: Multistate Affordable Merit Rate Rider

Balloon/Reset

Resource
Form 3190: Multistate Balloon Rider (Conditional Modification & Extension)
Form 3191: Multistate Balloon Rider (Conditional Right to Refinance)

Initial Interest

Resource
6-Month LIBOR Index
Form 5114: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan) (1st Business Day Lookback)
Form 5115: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period) (1st Business Day Lookback)
Form 5143: Multistate Initial Interest Adjustable Rate Rider (Assumable during Life of Loan) (45-day Lookback)
Form 5144: Multistate Initial Interest Adjustable Rate Rider (Assumable after Initial Period) (45-day Lookback)
1-Year LIBOR Index
Form 5136: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan) (45-day Lookback)
Form 5137: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period) (45-day Lookback)
Form 5145: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan)(1st Business Day Lookback)
Form 5146: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period) (1st Business Day Lookback)
1-Year Treasury Index
Form 5106: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan) (45-day Lookback)
Form 5107: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period) (45-day Lookback)
Form 5108: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period)(1st Business Day Lookback)
Form 5109: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan)(1st Business Day Lookback)

Adjustable Rate – Multistate Adjustable Rate Riders

Resource
11th District Cost of Funds Index
Form 3120: Assumable during Life of Loan
6-Month LIBOR Index
Form 5120: Assumable during Life of Loan(1st Business Day Lookback)
Form 5122: Assumable during Life of Loan(45-Day Lookback)
Form 5123: Assumable after Initial Period(1st Business Day Lookback)
Form 5124: Assumable after Initial Period(45-Day Lookback)
1-Year LIBOR Index
Form 5130: Assumable during Life of Loan(45-day Lookback)
Form 5131: Assumable after Initial Period(45-day Lookback)
Form 5141: Assumable during Life of Loan(1 st Business Day Lookback)
Form 5142: Assumable after Initial Period(1 st Business Day Lookback)
1-Year Treasury Index
Form 3108: Assumable during Life of Loan - 1%
Form 3108.53: Puerto Rico Assumable during Life of Loan - 1%
Form 3111: Assumable during Life of Loan - 2%
Form 3111.53: Puerto Rico Assumable during Life of Loan - 2%
Form 5106: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan)
Form 5110: Assumable after Initial Period (45-day Lookback)
Form 5147: Assumable during Life of Loan (1st Business Day Lookback)
Form 5148: Assumable after Initial Period (1st Business Day Lookback)
3-Year Treasury Index
Form 3114: 3-Year ARM
Form 5125: 3-Year ARM (Assumable during Life of Loan)(1st Business Day Lookback)
5-Year Treasury Index
Form 3131: 5-Year ARM
Form 5135: 5-Year ARM (Assumable after Initial Period)(1st Business Day Lookback)

Convertible/Adjustable Rate

Resource
6-Month LIBOR Index
Form 5121: Multistate Convertible/Adjustable Rate Rider
1-Year LIBOR Index
Form 5132: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan)
Form 5133: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan)
Form 5134: Multistate Convertible/Adjustable Rate Rider (Assumable after Initial Period)
Form 5111: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan)
1-Year Treasury Index
Form 5111: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan)
Form 5112: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan)
Form 5113: Multistate Convertible/Adjustable Rate Rider (Assumable after Initial Period)

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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