Riders & Addenda

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 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.

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
  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 - WSJ One-Year LIBOR Summary 3122 3122  
  Multistate Adjustable-Rate Rider - 5 Year ARM Summary 3131 3131  
  Multistate Adjustable-Rate Rider- 30-day Average SOFR Summary 3141 3141  
* 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- 30-day Average SOFR Summary 3142 3142
* 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
  Texas Home Equity Riders & Addenda .doc .pdf .doc .pdf
  Texas Home Equity Condominium Rider Summary 3140.44 3140.44 3140.44S
  Texas Home Equity Fixed/Adjustable-Rate Rider- 30-day Average SOFR Summary 3142.44 3142.44
  Texas Home Equity Planned Unit Development Rider Summary 3150.44 3150.44 3150.44S
  Texas Home Equity Fixed/Adjustable-Rate Rider - 1 Year Treasury Index - First Lien Summary 3182.44 3182.44 3182.44S
* Texas Home Equity Fixed/Adjustable Rate Rider - 1 Year Treasury Index Convertible - First Lien Summary 3183.44 3183.44  
  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
  Construction Riders & Addenda .doc .pdf .doc .pdf
* Multistate Construction Loan Rider to Security Instrument - Fannie Mae Model Document Summary 3737 3737  
  Renovation Riders & Addenda .doc .pdf .doc .pdf
* Multistate Renovation Loan Rider to Security Instrument — Fannie Mae Model Document Summary 3732 3732  

 

Negotiated Instruments

    Summary ------ English ------ Spanish
  Construction Riders & Addenda .doc .pdf .doc .pdf
* Multistate Construction Loan Addendum to Note - Fannie Mae Model Document Summary 3736 3736  
* Multistate Construction Loan Investor Rider to Security Instrument - Fannie Mae Model Document Summary 3738 3738  
  Renovation Riders & Addenda .doc .pdf .doc .pdf
* Multistate Renovation Loan Investor Rider to Security Instrument — Fannie Mae Model Document Summary 3733 3733