Freddie Mac Single-Family Seller/Servicer Guide §4101.4 — Authorized changes to Uniform Instruments (03/05/25)
Freddie Mac Guide §4101.4 (Authorized changes to Uniform Instruments). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide §4101.4 — Authorized changes to Uniform Instruments (03/05/25) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Guide 4101.4
(03/05/25) This section contains requirements related to: ■ Uniform Instrument changes and modifications ■ Addendums or riders ■ Modifications for Construction Conversion and Renovation Mortgages
Freddie Mac Guide 4101.4
101-11 (a) Uniform Instrument changes and modifications The Seller must not make any changes or additions to the Uniform Instruments that have any force or effect after purchase of the Mortgage by Freddie Mac, except for changes and modifications that: ■ Are accomplished by use of Fannie Mae/Freddie Mac Uniform Instrument Riders ■ Pertain to an assumption or an alteration of the principal, Note Rate, payment amount or date, or maturity date of the Mortgage, or ■ Are required or permitted by the provisions in Exhibit 5A, Authorized Changes to Notes, Riders, Security Instruments and the Uniform Residential Loan Application (b) Addendums or riders If a change or addition permitted under this section is made to the instrument in the form of an addendum or rider, the addendum or rider must: ■ Be referenced in the instrument it is modifying ■ Reference the instrument, and ■ Be firmly attached to the instrument The Seller agrees that no changes or additions to the Uniform Instruments otherwise permitted here will be made if such changes or additions would adversely affect the negotiability of the Note. (c) Modifications for Construction Conversion and Renovation Mortgages The Uniform Instruments may require modification for use with Construction Conversion Mortgages and Renovation Mortgages. Sellers that use the Uniform Instruments for construction or renovation loans may make changes or additions necessary for that purpose. These changes and additions should be provided in a Note addendum or Security Instrument rider. The changes or additions do not need to contain a statement that they become void upon purchase by Freddie Mac if the changes or additions are necessary to assure the first priority of the Mortgage lien or if, by their terms, the changes or additions cease to be effective before the Settlement Date. Note: See Section 4602.3 for information on documenting Construction Conversion Mortgages and Renovation Mortgages.