Multi-Language Resources for Lenders: Translated Uniform Instruments
This page hosts the translations of the (2021) Fannie Mae/ Freddie Mac Uniform Instruments: notes, riders & addenda, security instruments, and special purpose documents.
Multilingual and non-English speaking consumers represent a large and growing segment of the market. The translated versions of these Uniform instruments are provided as a resource to help better serve borrowers with limited English proficiency.
Visit our legal documents page to view and download the executable English language loan documents.
Important Note
These translations are not binding legal documents. They are being provided solely for the borrower's convenience, and will not in any way be construed as contracts or any part of the English loan documents. While we have attempted to ensure that these are accurate translations of the loan documents, Fannie Mae is not liable for any inaccuracies in these translations or for any misunderstandings due to differences in language usage or dialect. In the event of any inconsistencies between the English loan document and the translation, the executed English loan documents will govern.
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.
The translated files below are provided for your convenience to assist borrowers for whom English is not their primary language. They are non-executable and for reference purposes only.
Click here for executable Note in English.
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.
The translated files below are provided for your convenience to assist borrowers for whom English is not their primary language. They are non-executable and for reference purposes only.
Click here for riders & addenda in English.
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.
The translated files below are provided for your convenience to assist borrowers for whom English is not their primary language. They are non-executable and for reference purposes only.
Click here for Security Instruments in English.
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));
- 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.
The translated files below are provided for your convenience to assist borrowers for whom English is not their primary language. They are non-executable and for reference purposes only.
