Riders

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Property Type Riders Affordable Merit Rate Balloon/Reset Initial Interest Adjustable Rate – Multistate Adjustable Rate Riders Convertible/Adjustable Rate

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 [DOC 17K]
Form 3140.53: Puerto Rico Condominium Rider [DOC 25K]
Form 3150: Multistate Planned Unit Development Rider [DOC 17K]
Form 3150.53: Puerto Rico Planned Unit Development Rider [DOC 25K]
Form 3170: Multistate 1-4 Family Rider [DOC 18K]
Form 3170.53: Puerto Rico 1-4 Family Rider [DOC 29K]
Form 3890: Multistate Second Home Rider [DOC 13K]
Form 3890.53: Puerto Rico Second Home Rider [DOC 15K]

Affordable Merit Rate

Resource
Form 3194: Multistate Affordable Merit Rate Rider [DOC 13K ]

Balloon/Reset

Resource
Form 3190: Multistate Balloon Rider (Conditional Modification & Extension) [DOC 18K ]
Form 3191: Multistate Balloon Rider (Conditional Right to Refinance) [DOC 17K ]

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) [DOC 24K ]
Form 5115: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period) (1st Business Day Lookback) [DOC 26K ]
Form 5143: Multistate Initial Interest Adjustable Rate Rider (Assumable during Life of Loan) (45-day Lookback) [DOC 23K ]
Form 5144: Multistate Initial Interest Adjustable Rate Rider (Assumable after Initial Period) (45-day Lookback) [DOC 26K ]
1-Year LIBOR Index
Form 5136: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan) (45-day Lookback) [DOC 20K ]
Form 5137: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period) (45-day Lookback) [DOC 22K ]
Form 5145: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan)(1st Business Day Lookback) [DOC 26K ]
Form 5146: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period) (1st Business Day Lookback) [DOC 26K ]
1-Year Treasury Index
Form 5106: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan) (45-day Lookback) [DOC 20K ]
Form 5107: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period) (45-day Lookback) [DOC 22K ]
Form 5108: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable after Initial Period)(1st Business Day Lookback) [DOC 22K ]
Form 5109: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan)(1st Business Day Lookback) [DOC 20K ]

Adjustable Rate – Multistate Adjustable Rate Riders

Resource
11th District Cost of Funds Index
Form 3120: Assumable during Life of Loan [DOC 22K ]
6-Month LIBOR Index
Form 5120: Assumable during Life of Loan(1st Business Day Lookback) [DOC 19K ]
Form 5122: Assumable during Life of Loan(45-Day Lookback) [DOC 19K ]
Form 5123: Assumable after Initial Period(1st Business Day Lookback) [DOC 21K ]
Form 5124: Assumable after Initial Period(45-Day Lookback) [DOC 21K ]
1-Year LIBOR Index
Form 5130: Assumable during Life of Loan(45-day Lookback) [DOC 19K ]
Form 5131: Assumable after Initial Period(45-day Lookback) [DOC 25K ]
Form 5141: Assumable during Life of Loan(1 st Business Day Lookback) [DOC 19K ]
Form 5142: Assumable after Initial Period(1 st Business Day Lookback) [DOC 25K ]
1-Year Treasury Index
Form 3108: Assumable during Life of Loan - 1% [DOC 18K ]
Form 3108.53: Puerto Rico Assumable during Life of Loan - 1% [DOC 28K ]
Form 3111: Assumable during Life of Loan - 2% [DOC 19K ]
Form 3111.53: Puerto Rico Assumable during Life of Loan - 2% [DOC 28K ]
Form 5106: Multistate Initial Interest Adjustable Rate ARM Rider (Assumable during Life of Loan) [DOC 24K ]
Form 5110: Assumable after Initial Period (45-day Lookback) [DOC 24K ]
Form 5147: Assumable during Life of Loan (1st Business Day Lookback) [DOC 24K ]
Form 5148: Assumable after Initial Period (1st Business Day Lookback) [DOC 24K ]
3-Year Treasury Index
Form 3114: 3-Year ARM [DOC 19K ]
Form 5125: 3-Year ARM (Assumable during Life of Loan)(1st Business Day Lookback) [DOC 19K ]
5-Year Treasury Index
Form 3131: 5-Year ARM [DOC 18K ]
Form 5135: 5-Year ARM (Assumable after Initial Period)(1st Business Day Lookback) [DOC 18K ]

Convertible/Adjustable Rate

Resource
6-Month LIBOR Index
Form 5121: Multistate Convertible/Adjustable Rate Rider [DOC 27K ]
1-Year LIBOR Index
Form 5132: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan) [DOC 23K ]
Form 5133: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan) [DOC 27K ]
Form 5134: Multistate Convertible/Adjustable Rate Rider (Assumable after Initial Period) [DOC 27K ]
Form 5111: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan) [DOC 24K ]
1-Year Treasury Index
Form 5111: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan) [DOC 24K ]
Form 5112: Multistate Convertible/Adjustable Rate Rider (Assumable during Life of Loan) [DOC 37K ]
Form 5113: Multistate Convertible/Adjustable Rate Rider (Assumable after Initial Period) [DOC 24K ]

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

Inquiries relating to other topics should be submitted using the Contact Us feature on Freddiemac.com