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.
Subordination Agreements
- Form 3747: Subordination Agreement Refinance Form
- Form 3748: Subordination Agreement Modification Form
Modification Agreements
- Form 3180: Multistate Agreement to Convert
- Form 3293: Multistate Balloon Loan Modification Agreement
- Form 5161: Multistate Loan Modification Agreement (to a Fixed Interest Rate)
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.
Form 5162: Multistate Construction Conversion Modification Agreement - Fixed Interest Rate (Modification of Note)
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)
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)
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)
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.
Home Affordable Modification Program Modification Agreements
HAMP Backup Modification Agreement
New York CEMA
Texas Home Equity
- Form 3044.1: Texas Home Equity Security Instrument (First Lien)
- Form 3140.44: Texas Home Equity Condominium Rider
- Form 3150.44: Texas Home Equity Planned Unit Development Rider
- Form 3185: Texas Home Equity Affidavit and Agreement (First Lien)
- Form 3244.1: Texas Home Equity Note (Fixed Rate - First Lien)
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