Fannie Mae Legal Documents (New)

Notes, riders & addenda, security instruments, and special purpose documents (updated July 2021)

The files on this page are the newest legal documents available. These updated legal documents may be used immediately, but must be used as of January 2023. Prior versions of the legal documents are accessible on the retiring Fannie Mae Legal Documents page.

For more information on the updated instruments, refer to the Uniform Instruments Update Fact Sheet.

 

All of the security instruments, notes, riders & addenda, and special purpose documents that should be used in connection with regularly amortizing one- to four-family conventional first mortgages that are sold to Fannie Mae are available for viewing, printing, or downloading in Microsoft® Word format.

Each document is accompanied by an Instructions document providing:

  • the latest revision date for the document;
  • the document’s purpose and the type of mortgage transactions for which it is used;
  • specific changes that must be made to the document;
  • additional changes that may be made to the document, and
  • other pertinent information about how special situations may affect the use or completion of the document.

This page provides downloadable copies of standard and negotiated instruments, including:

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

 

NEW: Batch downloads available! 

Click below to download a zip file for all legal documents in the category.

Notes

Riders & Addenda

Security Instruments

Special Purpose Documents

 

News and updates archive

The news and updates archive is a cumulative list of changes concerning the availability or use of specific legal documents, and document and instruction page changes.

News and updates archive

We periodically make minor revisions to the legal documents, typically to comply with changes to applicable laws. When we revise the documents, we include a notation in the tagline at the bottom of the form to indicate the revision date, and we also include a notation of the revision date in the Instructions page for the document. Users may begin using revised legal documents immediately. Unless we specify, or applicable law requires, an earlier effective date, we require the use of revised documents by no later than six months after the revision date.

Users may reproduce any of the mortgage documents under the user's company name or logo (or without an identifying company name or logo), but the text should NOT be altered except as authorized in the instruction documents.

The footer showing the document name, number, and date must always appear on the document; any format revisions must also provide for the appropriate pagination (number and sequence) to appear on each page.

Electronic versions of the security instruments, notes, and riders are generally presented as individual letter-sized pages; however, a few documents are presented as individual legal-sized pages. We give users blanket authorization to comply with changes in state or local recordation statutes as soon as they become effective, by allowing users to select the most appropriate printing alternative.

Any of the mortgage documents may be printed as:

  • individual one-sided, letter-sized or legal-sized pages;
  • individual two-sided, letter sized or legal-sized pages; or
  • any other page size or construction that is necessary to comply with specific state or local recordation statutes or requirements or to avoid incurring additional recordation costs for over-sized or lengthy documents.

Any other changes that are necessary to assure that the documents are in compliance with any other requirements of state or local recordation statutes or laws are also authorized.

A user must verify the accuracy of any document it reproduces (or has reproduced). If a mortgage document is altered in any way that we have not specifically authorized (other than ministerial changes such as format changes related to recording requirements), we will consider the document to be a non-standard document. A lender that delivers a loan to us using such altered documentation must make a number of non-standard document warranties related to various provisions in the document. The specific warranties are set out in the Selling Guide. Further, a party that makes alterations that we have not specifically authorized (other than ministerial changes such as format changes related to recording requirements) must include a specific notation indicating that the form has been modified by that party, i.e., "modified by ABC".

Notes

Notes for regularly amortizing mortgages include the Fannie Mae/Freddie Mac Uniform Fixed-Rate Notes and the Fannie Mae/Freddie Mac Uniform Adjustable-Rate Notes and other notes that Fannie Mae has developed for specific programs.

Download all notes

Standard fixed-rate notes

Multistate Fixed-Rate Note (3200) Instructions PDF DOC
Alaska Fixed-Rate Note (3202) Instructions PDF DOC
Florida Fixed-Rate Note (3210) Instructions PDF DOC
Maine Fixed-Rate Note (3220) Instructions PDF DOC
New Hampshire Fixed-Rate Note (3230) Instructions PDF DOC
New York Fixed-Rate Note (3233) Instructions PDF DOC
Pennsylvania Fixed-Rate Note (3239) Instructions PDF DOC
Vermont Fixed-Rate Note (3246) Instructions PDF DOC
Virginia Fixed-Rate Note (3247) Instructions PDF DOC
West Virginia Fixed-Rate Note (3249) Instructions PDF DOC
Wisconsin Fixed-Rate Note (3250) Instructions PDF DOC
Puerto Rico Fixed-Rate Note (3253) Instructions PDF DOC

 

Standard adjustable-rate notes

Multistate Adjustable-Rate Note - 30-Day Average SOFR (3441)

Instructions PDF DOC

Puerto Rico Adjustable-Rate Note - 30-Day Average SOFR (3441.53)

Instructions PDF DOC

 

Standard fixed/adjustable-rate notes

Multistate Fixed/Adjustable-Rate Note-30-day Average SOFR (3442) Instructions PDF DOC
Puerto Rico Fixed/Adjustable-Rate Note-30-day Average SOFR (3442.53) Instructions PDF DOC

 

Standard Texas Home Equity Notes

Texas Home Equity Note Fixed-Rate - First Lien (3244.1)

Instructions PDF DOC

Texas Home Equity Fixed/Adjustable-Rate Note - 30-day Average SOFR (3442.44)

Instructions PDF DOC

Riders & Addenda

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, 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 incorporated by 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.

Download all riders & addenda

General Riders & Addenda

Puerto Rico Acceptance of First Mortgage (3053.1) Instructions PDF DOC
Multistate Condominium Rider (3140) Instructions PDF DOC
Puerto Rico Condominium Rider (3140.53) Instructions PDF DOC
Multistate PUD Rider (3150) Instructions PDF DOC
Puerto Rico PUD Rider (3150.53) Instructions PDF DOC
Multistate 1-4 Family Rider (3170) Instructions PDF DOC
Puerto Rico 1-4 Family Rider (3170.53) Instructions PDF DOC
Multistate Second Home Rider (3890) Instructions PDF DOC
Puerto Rico Second Home Rider (3890.53) Instructions PDF DOC
Mortgage Electronic Registration Systems, Inc. Rider (3158) Instructions PDF DOC

 

Adjustable-Rate Riders & Addenda

Multistate Adjustable-Rate Rider - 30-Day Average SOFR (3141) Instructions PDF DOC
Puerto Rico Adjustable-Rate Rider - 30-Day Average SOFR (3141.53) Instructions PDF DOC

 

Fixed/Adjustable-Rate Riders & Addenda

Multistate Fixed/Adjustable-Rate Rider- 30-day Average SOFR (3142)

Instructions PDF DOC

Puerto Rico Fixed/Adjustable-Rate Rider- 30-day Average SOFR (3142.53)

Instructions PDF DOC

 

Texas Home Equity Riders & Addenda

Texas Home Equity Condominium Rider (3140.44)

Instructions PDF DOC
Texas Home Equity Fixed/Adjustable-Rate Rider- 30-day Average SOFR (3142.44) Instructions PDF DOC
Texas Home Equity Planned Unit Development Rider(3150.44) Instructions PDF DOC

 

Construction Riders & Addenda

Multistate Construction Loan Rider to Security Instrument - Fannie Mae Model Document (3737)*

Instructions PDF DOC

 

Renovation Riders & Addenda

Multistate Renovation Loan Rider to Security Instrument — Fannie Mae Model Document (3732)*

Instructions PDF DOC

 

Construction Riders & Addenda

Multistate Construction Loan Addendum to Note - Fannie Mae Model Document (3736)*

Instructions PDF DOC

Multistate Construction Loan Investor Rider to Security Instrument - Fannie Mae Model Document (3738)*

Instructions PDF DOC

 

Renovation Riders & Addenda

Multistate Renovation Loan Investor Rider to Security Instrument — Fannie Mae Model Document (3733)*

Instructions PDF DOC

 

Security Instruments

Security instruments for regularly amortizing mortgages include the Fannie Mae/Freddie Mac Uniform Mortgages, Mortgage Deeds, Deeds of Trust, or Security Deeds for each of the jurisdictions from which we purchase conventional mortgages.

  • Master/Short Forms: Many states have statutes that allow originating lenders to record a Master Form in a given recording district and then to record a Short Form for any mortgage loan originated in that district after that time. The Short Form contains the loan-specific information (e.g., borrower name, lender name, loan amount, description of property, etc.) and identifies the provisions of the Master Form that are being incorporated into the Short Form. The borrower signs the Short Form document and any applicable riders, and the lender must provide the borrower with a copy of the recorded Master Form. Master Forms and Short Forms are available for the states that have authorized their use.

Download all security instruments

By State

Alabama (3001) Instructions Standard form
Alaska (3002) Instructions Standard form Master form Short form
Arizona (3003) Instructions Standard form Master form Short form
Arkansas (3004) Instructions Standard form Master form Short form
California (3005) Instructions Standard form Master form Short form
Colorado (3006) Instructions Standard form Master form Short form
Connecticut (3007) Instructions Standard form Master form Short form
Delaware (3008) Instructions Standard form
District of Columbia (3009) Instructions Standard form
Florida (3010) Instructions Standard form Master form Short form
Georgia (3011) Instructions Standard form
Hawaii (3012) Instructions Standard form
Idaho (3013) Instructions Standard form Master form Short form
Illinois (3014) Instructions Standard form
Indiana (3015) Instructions Standard form
Iowa (3016) Instructions Standard form
Kansas (3017) Instructions Standard form
Kentucky (3018) Instructions Standard form Master form Short form
Louisiana (3019) Instructions Standard form
Maine (3020) Instructions Standard form Master form Short form
Maryland (3021) Instructions Standard form Master form Short form
Massachusetts (3022) Instructions Standard form
Michigan (3023) Instructions Standard form
Minnesota (3024) Instructions Standard form
Mississippi (3025) Instructions Standard form
Missouri (3026) Instructions Standard form
Montana (3027) Instructions Standard form
Nebraska (3028) Instructions Standard form Master form Short form
Nevada (3029) Instructions Standard form Master form Short form
New Hampshire (3030) Instructions Standard form
New Jersey (3031) Instructions Standard form
New Mexico (3032) Instructions Standard form
New York (3033) Instructions Standard form Master form Short form
North Carolina (3034) Instructions Standard form Master form Short form
North Dakota (3035) Instructions Standard form Master form Short form
Ohio (3036) Instructions Standard form Master form Short form
Oklahoma (3037) Instructions Standard form Master form Short form
Oregon (3038) Instructions Standard form Master form Short form
Pennsylvania (3039) Instructions Standard form Master form Short form
Rhode Island (3040) Instructions Standard form Master form Short form
South Carolina (3041) Instructions Standard form
South Dakota (3042) Instructions Standard form
Tennessee(3043) Instructions Standard form Master form Short form
Texas (3044) Instructions Standard form Master form Short form
Utah (3045) Instructions Standard form Master form Short form
Vermont (3046) Instructions Standard form
Virginia (3047) Instructions Standard form
Washington (3048) Instructions Standard form Master form Short form
West Virginia (3049) Instructions Standard form
Wisconsin (3050) Instructions Standard form Master form Short form
Wyoming (3051) Instructions Standard form Master form Short form
Guam (3052) Instructions Standard form
Puerto Rico (3053) Instructions Standard form
Virgin Islands (3054) Instructions Standard form

 

By State

Texas Home Equity Security Instrument First Lien (3044.1) Instructions Standard form

 

 

Special Purpose Documents

Special purpose documents are designed for use:

  • as an alternative to the standard security instrument and note under certain circumstances (as is the case with the New York Consolidation, Extension and Modification Agreement);
  • in connection with specific types of mortgages that require extra documentation in addition to the standard security instruments, notes, riders, and addenda (such as the affidavit and agreement that is required for Texas Section 50(a)(6) mortgages or documentation related to HomeStyle® Renovation mortgages);
  • when changes are made to the terms of a mortgage (such as the Loan Modification Agreement); or 
  • as a standardized means of assigning a security instrument.

Download all special purpose documents

Modification Agreements

New York Consolidation, Extension and Modification Agreement (3172) Instructions PDF DOC

 

Assignments

Multistate Mortgage Assignment (3741)* Instructions PDF DOC
Multistate Mortgage Assignment (3742)* Instructions PDF DOC
Multistate Deed of Trust Assignment (3743)* Instructions PDF DOC
Multistate Deed of Trust Assignment (3744)* Instructions PDF DOC
Georgia Security Deed Assignment (3745)* Instructions PDF DOC
Louisiana Notarial Endorsement & Note/Mortgage Assignment (3746)* Instructions PDF DOC
MERS Mortgage Assignment (Maine)(3749) Instructions PDF DOC

 

Subordination Agreements

Subordination Agreement (Refinance Mortgage) (3747) Instructions PDF DOC
Subordination Agreement (Modified Mortgage) (3748) Instructions PDF DOC

 

Ground Lease Renewals

Mississippi Ground Lease Renewals (3759.25)* Instructions PDF DOC
Texas Home Equity Affidavit and Agreement First Lien (3185) Instructions PDF DOC
Multistate Renovation Contract — Fannie Mae Model Document (3730)* Instructions PDF DOC
Multistate Renovation Loan Agreement — Fannie Mae Model Document (3731)* Instructions PDF DOC
Multistate Construction Contract - Fannie Mae Model Document (3734)* Instructions PDF DOC
Multistate Construction Loan Agreement - Fannie Mae Model Document (3735)* Instructions PDF DOC
Multistate Lien Waiver (3739)* Instructions PDF DOC