source:
  type: guide
  id: fnma-sel-b8-2-01
  authority: Fannie Mae Selling Guide B8-2-01 — Security Instruments for Conventional
    Mortgages
  description: Fannie Mae Selling Guide B8-2-01 — Security Instruments for Conventional
    Mortgages.
  coverage_tier: operative
obligations:
- id: fnma-sel-b8-2-01-full
  canonical_id: fnma-sel-b8-2-01-full
  section: Fannie Mae Selling Guide B8-2-01 — Security Instruments for Conventional
    Mortgages
  type: do
  tags:
  - regulator-direct
  - fnma
  - selling-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide B8-2-01 — Security Instruments for Conventional
      Mortgages
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/selling-guide
    snapshot_id: 5f7b8b79da595d76
    fetched_at: '2026-05-25T14:09:57Z'
    content_hash: sha256:98cf85a02861bbe84914a0e339b327c8fc131869a8a573882007bbeea60c5701
    paragraph_quote: 'B8-2-01, Security Instruments for Conventional Mortgages (02/06/2019)
      Introduction This topic contains general information on conventional ﬁrst mortgage
      security instruments, including: Use of Security Instruments Standard First-Lien
      Mortgage Security Instruments Master Form and Short Form Documents Use of Security
      Instruments Lenders must use security instruments for conventional mortgages
      that are correct for the applicable jurisdiction, mortgage type, lien type,
      property type, and transaction type. Security instruments for regularly amortizing
      mortgages include the Fannie Mae/Freddie Mac Uniform Mortgages, Deeds of Trust,
      and Security Deeds. In some cases, the uniform security instruments may have
      to be adapted to meet the lender’s needs or local jurisdictional requirements.
      If, however, a security instrument is modiﬁed in any way, Fannie Mae will consider
      it to be a nonstandard document, which means the lender’s delivery of the loan
      is subject to Fannie Mae’s requirements for nonstandard documents. For more
      information on the warranties a lender makes when it sells Fannie Mae mortgages
      closed on nonstandard documents, see A2-2-03, Document Warranties. Standard
      First-Lien Mortgage Security Instruments The current versions of the Fannie
      Mae standard ﬁrst mortgage security instruments are posted on Fannie Maes''s
      Legal Documents website. The website also contains instructions for use of these
      documents, including any required changes and some changes that may be made
      at lender’s option, called “authorized changes.” Lenders must make sure that
      any changes they make, including changes authorized by Fannie Mae, comply with
      all applicable laws. The standard uniform security instruments are used for
      almost all types of regularly amortizing mortgages. In some instances, the standard
      security instruments must be modiﬁed by a rider. For example, a rider is needed
      for an adjustable-rate mortgage as well as for a security property that is a
      one-unit dwelling that is used as a second home or an investment property, or
      that is a two- to four-unit property or a unit in a PUD or condo project. For
      more information about these riders, see B8-4-01, Riders and Addenda. Master
      Form and Short Form Documents Lenders may elect to deliver ﬁrst-lien mortgage
      loans to Fannie Mae using a master form mortgage or deed of trust (“Master Form”)
      and short form mortgage or deed of trust (“Short Form”) in states with statutes
      that allow for the use of these forms. The uniform Master Form and Short Form
      documents may be used in lieu of the current version of the Fannie Mae/Freddie
      Mac uniform ﬁrst mortgage security instruments. Published May 6, 2026 891 Under
      applicable state law, lenders may record a Master Form in a given recording
      jurisdiction, and then may subsequently record a Short Form for any mortgage
      loan originated in that jurisdiction. The Master Form consists of a title page,
      which contains the state-speciﬁc requirements for a master security instrument,
      and the current long form uniform security instrument for that state. The Short
      Form contains the loan-speciﬁc information (for example, 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. Any applicable
      riders to the security instrument must be attached to the Short Form. The borrower
      must execute the Short Form document and any applicable riders. The lender must
      provide the borrower with a copy of the recorded Master Form as well as the
      signed Short Form and any applicable riders. The documents are available for
      27 states and are posted on Fannie Mae''s Legal Documents website. Recent Related
      Announcements The table below provides references to recently issued Announcements
      that are related to this topic. Announcements Issue Date Announcement SEL-2019-01
      February 06, 2019'
  judgment: false
