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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

Affordable Merit Rate

Adjustable Rate – Multistate Adjustable Rate Riders

11th District Cost of Funds Index

6-Month LIBOR Index

1-Year LIBOR Index

1-Year Treasury Index

3-Year Treasury Index

5-Year Treasury Index


MERS® Rider

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:

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

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