Legal Documents - Notes

The files on this page are not the most recent versions of the legal documents. They will be retiring in December 2022. While you may continue using these documents until December 2022, we recommend you transition to the updated versions of the legal documents that are available on the new Fannie Mae Legal Documents page.

 

Introduction

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 ARM plans (including those for Texas Section 50(a)(6) mortgages),
  • biweekly payment mortgages,
  • growing-equity mortgages.

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

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

Standard Instruments

Summary ------ English ------ Spanish
Standard Fixed-Rate Notes .doc .pdf .doc .pdf
Multistate Fixed-Rate Note Summary 3200 3200 3200S
Alaska Fixed-Rate Note Summary 3202 3202 3202S
Florida Fixed-Rate Note Summary 3210 3210 3210S
Maine Fixed-Rate Note Summary 3220 3220 3220S
New Hampshire Fixed-Rate Note Summary 3230 3230 3230S
New York Fixed-Rate Note Summary 3233 3233 3233S
Pennsylvania Fixed-Rate Note Summary 3239 3239
Vermont Fixed-Rate Note Summary 3246 3246 3246S
Virginia Fixed-Rate Note Summary 3247 3247 3247S
West Virginia Fixed-Rate Note Summary 3249 3249 3249S
Wisconsin Fixed-Rate Note Summary 3250 3250 3250S
Puerto Rico Fixed-Rate Note Summary 3253 3253
Summary ------ English ------ Spanish
Standard Growing Equity Notes .doc .pdf .doc .pdf
* Multistate Growing Equity Note Summary 3255 3255
Summary ------ English ------ Spanish
Standard Fixed/Adjustable-Rate Notes .doc .pdf .doc .pdf
Multistate Fixed/Adjustable-Rate Note - 30-day Average SOFR Summary 3442 3442
* Multistate Fixed/Adjustable-Rate Note - 1 Year Treasury Index Summary 3522 3522 3522S
* Multistate Fixed/Adjustable-Rate Note - 1 Year Treasury Index - Convertible Summary 3523 3523
* Multistate Fixed/Adjustable-Rate Note - WSJ One-Year LIBOR Summary 3525 3525
* Multistate Fixed/Adjustable-Rate Note - WSJ One-Year LIBOR Summary 3528 3528
Summary ------ English ------ Spanish
Standard Adjustable-Rate Notes .doc .pdf .doc .pdf
Multistate Adjustable-Rate Note - 30-day Average SOFR Summary 3441 3441
Multistate Adjustable-Rate Note - ARM 5-1 Summary 3501 3501 3501S
Alaska Adjustable-Rate Note - ARM 5-1 Summary 3501.02 3501.02 3501.02S
Florida Adjustable-Rate Note - ARM 5-1 Summary 3501.10 3501.10 3501.10S
New Hampshire Adjustable-Rate Note - ARM 5-1 Summary 3501.30 3501.30 3501.30S
Pennsylvania Adjustable-Rate Note - ARM 5-1 Summary 3501.39 3501.39
Vermont Adjustable-Rate Note - ARM 5-1 Summary 3501.46 3501.46 3501.46S
Virginia Adjustable-Rate Note - ARM 5-1 Summary 3501.47 3501.47 3501.47S
West Virginia Adjustable-Rate Note - ARM 5-1 Summary 3501.49 3501.49 3501.49S
Wisconsin Adjustable-Rate Note - ARM 5-1 Summary 3501.50 3501.50 3501.50S
Puerto Rico Adjustable-Rate Note - ARM 5-1 Summary 3501.53 3501.53
Multistate Adjustable-Rate Note - ARM 5-2 Summary 3502 3502
Alaska Adjustable-Rate Note - ARM 5-2 Summary 3502.02 3502.02
Florida Adjustable-Rate Note - ARM 5-2 Summary 3502.10 3502.10
New Hampshire Adjustable-Rate Note - ARM 5-2 Summary 3502.30 3502.30
Pennsylvania Adjustable-Rate Note - ARM 5-2 Summary 3502.39 3502.39
Vermont Adjustable-Rate Note - ARM 5-2 Summary 3502.46 3502.46
Virginia Adjustable-Rate Note - ARM 5-2 Summary 3502.47 3502.47
West Virginia Adjustable-Rate Note - ARM 5-2 Summary 3502.49 3502.49
Wisconsin Adjustable-Rate Note - ARM 5-2 Summary 3502.50 3502.50
Puerto Rico Adjustable-Rate Note - ARM 5-2 Summary 3502.53 3502.53
* Multistate Adjustable-Rate Note - ARM Plans 721/521 & 652/791 Summary 3503 3503
Multistate Adjustable-Rate Note - 3 Year ARM Summary 3504 3504 3504S
* Multistate Adjustable-Rate Note - ARM Plan 650 Summary 3505 3505
* Multistate Convertible Adjustable-Rate Note - 1 Year Treasury Index Summary 3508 3508
Multistate Adjustable-Rate Note - 5 Year ARM Summary 3514 3514
* Multistate Adjustable-Rate Note - WSJ One-Year LIBOR Summary 3526 3526
* Multistate Adjustable-Rate Note - WSJ One-Year LIBOR Summary 3527 3527
* Multistate Convertible Adjustable-Rate Note - WSJ One-Year LIBOR Summary 3529 3529
Summary ------ English ------ Spanish
Standard Texas Home Equity Notes .doc .pdf .doc .pdf
Texas Home Equity Note Fixed-Rate - First Lien Summary 3244.1 3244.1 3244.1S
Texas Home Equity Fixed/Adjustable-Rate Note - 30-day Average SOFR Summary 3442.44 3442.44
Texas Home Equity Fixed/Adjustable-Rate Note - 1 Year Treasury Index - First Lien Summary 3522.44 3522.44 3522.44S
* Texas Home Equity Fixed/Adjustable-Rate Note - 1 Year Treasury Index - First Lien Summary 3523.44 3523.44
Texas Home Equity Fixed/Adjustable-Rate Note - WSJ One-Year LIBOR Summary 3528.44 3528.44
* Texas Home Equity Convertible Fixed/Adjustable-Rate Note - WSJ One-Year LIBOR Summary 3529.44 3529.44

 

Negotiated Instruments

Summary ------ English ------ Spanish
Negotiated Navajo Nation Notes .doc .pdf .doc .pdf
Fannie Mae/Navajo Nation - Single-Family - Mortgage Summary 3270 3270