Riders & Addenda

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Instruments on this Page

Introduction

It is sometimes necessary to add (or delete) provisions to the security instrument or note for regularly amortizing mortgages to acknowledge special provisions that either apply or do not apply for certain:

  • types of mortgages (such as adjustable-rate mortgages, biweekly payment mortgages, Texas Section 50(a)(6) mortgages, etc.);
  • property types (such as condominiums, PUDs, or one- to four-family properties); or
  • occupancy statuses (such as second homes).

The amendments are accomplished through the use of a rider (to the security instrument) or an addendum (to either the note or the security instrument). Occasionally, an addendum is also used to amend a rider.

This page provides downloadable copies of standard and negotiated instruments, provided in separate tables, including:

  • Fannie Mae/Freddie Mac Uniform Instruments
  • Fannie Mae Uniform Instruments (marked with an *)

Standard Instruments

Summary ------ English ------ Spanish
General Riders & Addenda .doc .pdf .doc .pdf
Puerto Rico Acceptance of First Mortgage Summary 3053.1 3053.1
Multistate Condominium Rider Summary 3140 3140 3140S
Puerto Rico Condominium Rider Summary 3140.53 3140.53
Multistate PUD Rider Summary 3150 3150 3150S
Puerto Rico PUD Rider Summary 3150.53 3150.53
Multistate 1-4 Family Rider Summary 3170 3170 3170S
Puerto Rico 1-4 Family Rider Summary 3170.53 3170.53
Multistate Second Home Rider Summary 3890 3890 3890S
Puerto Rico Second Home Rider Summary 3890.53 3890.53
Mortgage Electronic Registration Systems, Inc. Rider Summary 3158 3158
Summary ------ English ------ Spanish
Adjustable-Rate Riders & Addenda .doc .pdf .doc .pdf
Multistate Adjustable-Rate Rider - ARM 5-1 Summary 3108 3108 3108S
Puerto Rico Adjustable-Rate Rider - ARM 5-1 Summary 3108.53 3108.53
* Fixed Rate Option Addendum Security Instrument Summary 3109 3109
Multistate Adjustable-Rate Rider - ARM 5-2 Summary 3111 3111
Puerto Rico Adjustable-Rate Rider - ARM 5-2 Summary 3111.53 3111.53
* Multistate Adjustable-Rate Rider - ARM Plans 721/521 & 652/791 Summary 3113 3113
Multistate Adjustable-Rate Rider - 3 Year ARM Summary 3114 3114 3114S
* Multistate Adjustable-Rate Rider - ARM Plan 650 Summary 3115 3115
* Multistate Convertible Adjustable-Rate Rider - 1 Year Treasury Index Summary 3118 3118
Multistate Adjustable-Rate Rider - COF Index Summary 3120 3120
* Multistate Adjustable-Rate Rider - WSJ One-Year LIBOR Summary 3122 3122
* Multistate Convertible Adjustable-Rate Rider - Cost of Funds Index Summary 3124 3124
* Multistate Adjustable-Rate Rider - ARM Plan 711/511 Summary 3129 3129
* Multistate Adjustable-Rate Rider - LIBOR 6-Month Index as published in The Wall Street Journal Summary 3138 3138
* Multistate Convertible Adjustable-Rate Rider - LIBOR 6-Month Index as published in The Wall Street Journal Summary 3139 3139
* Multistate Adjustable-Rate Rider - WSJ One-Year LIBOR Summary 3186 3186
* Multistate Adjustable-Rate Rider - WSJ One-Year LIBOR Summary 3189 3189
* Fixed Rate Option Addendum Note Summary 3256 3256
Summary ------ English ------ Spanish
Fixed/Adjustable-Rate Riders & Addenda .doc .pdf .doc .pdf
* Multistate Fixed/Adjustable-Rate Rider - 10 Year Treasury - First Lien Summary 3176 3176
* Multistate Fixed/Adjustable-Rate Rider - 1 Year Treasury Index Summary 3182 3182 3182S
* Multistate Fixed/Adjustable-Rate Rider - 1 Year Treasury Index Convertible Summary 3183 3183
* Multistate Fixed/Adjustable-Rate Rider - WSJ One-Year LIBOR Summary 3187 3187
* Multistate Fixed/Adjustable-Rate Rider - WSJ One-Year LIBOR Summary 3188 3188
Summary ------ English ------ Spanish
Biweekly Riders & Addenda .doc .pdf .doc .pdf
* Multistate Biweekly Payment Rider Fixed Rate Summary 3177 3177 3177S
* Multistate Biweekly Payment Rider Fixed Rate Summary 3178 3178 3178S
Summary ------ English ------ Spanish
Summary ------ English ------ Spanish
Texas Home Equity Riders & Addenda .doc .pdf .doc .pdf
* Texas Home Equity Fixed/Adjustable-Rate Rider - WSJ One-Year LIBOR Summary 3187.44 3187.44
* Texas Home Equity Convertible Fixed/Adjustable-Rate Rider - WSJ One-Year LIBOR Summary 3188.44 3188.44
Summary ------ English ------ Spanish
HomeStyle Riders & Addenda .doc .pdf .doc .pdf
* Multistate Construction Loan Rider to Security Instrument - Fannie Mae HomeStyle Model Document Summary 3737 3737

Negotiated Instruments

Summary ------ English ------ Spanish
Adjustable-Rate Riders & Addenda .doc .pdf .doc .doc
Multistate Adjustable-Rate Rider - 5 Year ARM Summary 3131 3131
* Multistate Adjustable-Rate Rider - Fractional 1 Year Treasury Index Summary 3135 3135
* Multistate Interest-Only Period Adjustable-Rate Rider - 10 Year Interest Only Summary 3154 3154
* Multistate Interest-Only Period Adjustable-Rate Rider - WSJ One-Year LIBOR - 10 Year Interest Only Summary 3155 3155
* Multistate Adjustable-Rate Rider - LIBOR 1 Month Index as published in The Wall Street Journal Summary 3184 3184
Summary ------ English ------ Spanish
Texas Home Equity Riders & Addenda .doc .pdf .doc .pdf
Texas Home Equity Condominium Rider Summary 3140.44 3140.44 3140.44S
Texas Home Equity Planned Unit Development Rider Summary 3150.44 3150.44 3150.44S
* Texas Home Equity Fixed/Adjustable Rate Rider - 10 Year Treasury Index - First Lien Summary 3176.44 3176.44
* Texas Home Equity Fixed/Adjustable Rate Rider - 1 Year Treasury Index Convertible - First Lien Summary 3183.44 3183.44
Summary ------ English ------ Spanish
Fixed/Adjustable-Rate Riders & Addenda .doc .pdf .doc .pdf
* Multistate Interest-Only Period Adjustable-Rate Rider - 1 Year Treasury - 10 Year Interest Only Summary 3152 3152
* Multistate Interest-Only Period Adjustable-Rate Rider - WSJ One-Year LIBOR - 10 Year Interest Only Summary 3153 3153
* Multistate Convertible Fixed/Adjustable-Rate Rider - 10 Year Treasury Summary 3181 3181
* Texas Home Equity Fixed/Adjustable-Rate Rider - 1 Year Treasury Index - First Lien Summary 3182.44 3182.44 3182.44S
Summary ------ English ------ Spanish
HomeStyle Riders & Addenda .doc .pdf .doc .pdf
* Multistate Construction Loan Addendum to Note - Fannie Mae HomeStyle Model Document Summary 3736 3736
* Multistate Investor Rider to Security Instrument - Fannie Mae HomeStyle Model Document Summary 3738 3738