source:
  type: regulation
  id: fhlmc-4101.2
  authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
  description: "Freddie Mac Guide §4101.2 (Home Mortgage Uniform Instruments). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fhlmc-4101.2-0
  canonical_id: fhlmc-4101.2-0
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: (02/04/26) This section contains requirements related
    to: ■ Use of Uniform Instruments ■ Additional Mortgage documentation ■ Mortgage instruments for ARMs (a) Use
    of Uniform Instruments The Security Instrument and Note must be executed on the Uniform Instruments (1-4 Family)
    for …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '(02/04/26) This section contains requirements related to: ■ Use of Uniform Instruments ■ Additional
      Mortgage documentation ■ Mortgage instruments for ARMs (a) Use of Uniform Instruments The Security Instrument
      and Note must be executed on the Uniform Instruments (1-4 Family) for the jurisdiction where the Mortgaged
      Premises is located. The Uniform Instruments used for a Mortgage must be the versions current as of the Mortgage
      Note Date. See Exhibit 4A, Single-Family Uniform Instruments, for the current dates of revisions of all Uniform
      Instruments. For any Mortgage secured by one of the following types of property, Freddie Mac requires both:
      ■ The single-family Fannie Mae/Freddie Mac Uniform Security Instrument for the jurisdiction where the Mortgaged
      Premises is located, and ■ One of the following types of riders, as applicable: Required riders by property
      type Property Type Form Condominium Unit Condominium Rider Form 3140 Planned Unit Development (PUD) unit Planned
      Unit Development Rider Form 3150 1- to 4-unit Investment Property 1- to 4-Family Rider Form 3170 2- to 4-unit
      Primary Residence 1- to 4-Family Rider Form 3170'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-1
  canonical_id: fhlmc-4101.2-1
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: 101-4 Required riders by property type Property Type Form
    Second home Second Home Rider Form 3890 (b) Additional Mortgage documentation In addition to the Uniform Instruments
    required by this Section 4101.2, certain Mortgage products have additional loan documentation requirement…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-4 Required riders by property type Property Type Form Second home Second Home Rider Form
      3890 (b) Additional Mortgage documentation In addition to the Uniform Instruments required by this Section
      4101.2, certain Mortgage products have additional loan documentation requirements stated elsewhere in the
      Guide as follows: Additional loan documentation requirements by product Guide provision Guide location Texas
      Equity Section 50(a)(6) Mortgages Section 4301.7 Seller-Owned Converted Mortgages Section 4402.3 Mortgages
      secured by Manufactured Homes Sections 5703.4(c) and 5703.4(d) Construction to Permanent Mortgages and Renovation
      Mortgages Chapter 4602 Government Funded, Guaranteed or Insured Mortgages Chapter 4205 Community Land Trust
      Mortgages Chapter 4502 (c) Mortgage instruments for ARMs When closing ARMs, the Uniform Instruments used must
      be based on the applicable ARM product. Below are the required instruments and instructions for completing
      them. (i) Required ARM Uniform Instruments ARMs must be closed using the Uniform Instruments for the applicable
      ARM product, consisting of: ■ ARM Note and ARM rider – The Seller must use the most current version of the
      ARM Note and ARM rider.'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-2
  canonical_id: fhlmc-4101.2-2
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: 101-5 The most current version of the Uniform Instruments
    is the version in effect as of the Note Date of the Mortgage. See Exhibit 4A for the current dates of revisions
    of all Uniform Instruments. See Exhibit 5A, Authorized Changes to Notes, Riders, Security Instruments and the
    …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 101-5 The most current version of the Uniform Instruments is the version in effect as of the
      Note Date of the Mortgage. See Exhibit 4A for the current dates of revisions of all Uniform Instruments. See
      Exhibit 5A, Authorized Changes to Notes, Riders, Security Instruments and the Uniform Residential Loan Application,
      for authorized changes to the Uniform Instruments. The ARM Note and ARM rider must be completed in accordance
      with the terms of the applicable ARM product. See Section 4101.2(c)(iii) for instructions for completion of
      Section 4(D) of an ARM Note. ■ Fannie Mae/Freddie Mac Security Instrument – The Seller must use the most current
      version of the State-specific Fannie Mae/
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-3
  canonical_id: fhlmc-4101.2-3
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: Family Security Instrument prepared for use in the jurisdiction
    in which the Mortgaged Premises is located and the most current version of any applicable property type riders.
    For certain ARM products, State-specific versions of the ARM Note have been prepared for Alaska, Florida…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'Family Security Instrument prepared for use in the jurisdiction in which the Mortgaged Premises
      is located and the most current version of any applicable property type riders. For certain ARM products,
      State-specific versions of the ARM Note have been prepared for Alaska, Florida, New Hampshire, Puerto Rico,
      Vermont, Virginia, West Virginia and Wisconsin. If a State-specific version of an ARM Note has been prepared,
      it must be used for ARMs secured by Mortgaged Premises located in that State. The multistate version of the
      ARM Note, with the required changes stated in Exhibit 5A, must be used in all other States. Freddie Mac makes
      available Uniform Instruments for use with ARM products with various features. The Uniform Instruments have
      the following features embedded in the form itself (hard- coded): ■ Index ■ Lookback Period ■ Assumability
      The Uniform Instruments have blanks to be completed by the Seller for the following features (soft-coded):
      ■ Maturity Date (determines the term) ■ First Interest Change Date (determined by the Initial Period) ■ Maximum
      interest rate at the first Interest Change Date (determined by the Initial Cap) ■ Maximum increase or decrease
      in the interest rate at each adjustment after the first Interest Change Date (Periodic Cap); the Periodic
      Cap is hard-coded 1% for 30-day'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-4
  canonical_id: fhlmc-4101.2-4
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: 101-6 Average SOFR Index (SOFR)-indexed Assumable Life
    of Loan and Assumable after Initial Period with 45-day Lookback Period ■ Maximum interest rate for the life
    of the loan (Lifetime Ceiling, determined by the Life Cap) ■ Minimum interest rate for the life of the loan
    (Lifetime…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-6 Average SOFR Index (SOFR)-indexed Assumable Life of Loan and Assumable after Initial
      Period with 45-day Lookback Period ■ Maximum interest rate for the life of the loan (Lifetime Ceiling, determined
      by the Life Cap) ■ Minimum interest rate for the life of the loan (Lifetime Floor, which must equal the Margin
      stated in the Note) In determining which Uniform Instrument to use with each ARM product, the Seller must
      select the form with the applicable hard-coded information and complete the soft- coded information as appropriate.
      Because many of the features of an ARM product are soft-coded, the same Uniform Instrument may be used for
      different ARM products. The 6-Month SOFR-indexed ARM Note and rider may be used with a 3/6-Month, 5/6- Month,
      7/6-Month, and 10/6-Month SOFR-indexed ARM with the same Lookback Period and assumability period. The Uniform
      Instruments may be used for ARM products that do not meet the eligibility requirements for sale to Freddie
      Mac. Freddie Mac encourages the Seller to use Uniform Instruments, if available, for originating ARM loans
      even if the ARM product is not eligible for sale. The following table describe the Uniform Instruments available
      for different hard-coded features for ARM products: Uniform Instruments for 6-Month SOFR-indexed ARM products
      by assumability period Assumability period Rider Note Assumable for life of loan 3141* 3441* Assumable after
      Initial Period 3142* 3442* Lookback = 45 Days Preceding the Interest Change Date *Hard-coded with a 1% Periodic
      Cap All ARM Uniform Instruments are available on Freddie Mac’s website at https://sf.freddiemac.com/tools-learning/uniform-instruments/overview.'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-5
  canonical_id: fhlmc-4101.2-5
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: 101-7 (ii) Use of Fannie Mae ARM instruments The Seller
    may use Fannie Mae’s ARM instruments only in accordance with the provisions of this subparagraph. The Seller
    must consult its own legal counsel when using a Fannie Mae instrument for a particular Freddie Mac ARM product.
    The…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-7 (ii) Use of Fannie Mae ARM instruments The Seller may use Fannie Mae’s ARM instruments
      only in accordance with the provisions of this subparagraph. The Seller must consult its own legal counsel
      when using a Fannie Mae instrument for a particular Freddie Mac ARM product. The Seller originating ARMs on
      Fannie Mae instruments represents and warrants that the Fannie Mae instrument, when completed, is appropriate
      for the applicable Freddie Mac ARM product and can be serviced in accordance with the Guide. (iii) Instructions
      for completing Section 4(D) of an ARM Note The Seller must complete Section 4(D), Limits on Interest Rate
      Changes, of an ARM Note as follows: 1. Insert in the first blank of the first sentence, referring to the Initial
      Cap (the maximum interest rate on the first Interest Change Date), the interest rate that is equal to the
      sum of the initial Note Rate for the Mortgage, plus the applicable Initial Cap for that ARM program 2. Insert
      in the second blank of the first sentence, referring to the minimum interest rate on the first Interest Change
      Date, the interest rate that is equal to the initial Note Rate for the Mortgage, minus the applicable Initial
      Cap. If this difference is less than the Margin stated in the Note, insert the value of the Margin. 3. Insert
      in the first blank in the last sentence, referring to the Lifetime Ceiling (the maximum interest rate during
      the life of the Mortgage), the initial Note Rate plus the applicable Life Cap for that ARM product 4. In the
      second blank in the last sentence, referring to the Lifetime Floor (the minimum interest rate during the life
      of the Mortgage), insert the Margin stated in the Note'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-6
  canonical_id: fhlmc-4101.2-6
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: Master Form and Short Form Security Instruments (03/05/25)
    This section contains requirements related to: ■ Master Form and Short Form Security Instruments ■ Instructions
    for use of Master Form Security Instrument; Short Form Security Instrument'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'Master Form and Short Form Security Instruments (03/05/25) This section contains requirements
      related to: ■ Master Form and Short Form Security Instruments ■ Instructions for use of Master Form Security
      Instrument; Short Form Security Instrument'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-7
  canonical_id: fhlmc-4101.2-7
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: 101-8 (a) Master Form and Short Form Security Instruments
    Certain States have statutes that allow originating lenders to record a Master Form Security Instrument in a
    given county and then to record a Short Form Security Instrument for each subsequent Mortgage originated and
    reco…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-8 (a) Master Form and Short Form Security Instruments Certain States have statutes that
      allow originating lenders to record a Master Form Security Instrument in a given county and then to record
      a Short Form Security Instrument for each subsequent Mortgage originated and recorded in that county. The
      Short Form Security Instrument contains the loan-specific information (e.g., Borrower name, lender name, loan
      amount, description of property) and identifies the provisions of the Master Form Security Instrument that
      are being incorporated into the Short Form Security Instrument. The State-specific Fannie Mae/Freddie Mac
      Uniform Master Form Security Instrument and Short Form Security Instrument are available from Freddie Mac’s
      website at https://sf.freddiemac.com/tools-learning/uniform-instruments/2021-updated- instruments. See Exhibit
      4A, Single-Family Uniform Instruments, for the list of currently available Master Form Security Instruments
      and Short Form Security Instruments and the current dates of these instruments. Freddie Mac will purchase
      Mortgages originated on a Short Form Security Instrument provided the requirements stated in this Section
      4101.3 are satisfied. The Seller must not use or record a Short Form Security Instrument unless it has already
      recorded a Master Form Security Instrument in the recorder’s office serving the recording jurisdiction in
      which the Mortgaged Premises is located. In North Carolina, a Master Form may not be recorded in certain designated
      counties stated in the North Carolina statute. A copy of the recorded Master Form Security Instrument must
      be provided to the Borrower. (i) Master Form Security Instrument The Master Form Security Instrument is the
      Master Form Mortgage or Deed of Trust that is permitted under certain State statutes to be recorded by originating
      lenders in a given recording jurisdiction in the State. The Master Form Security Instrument for each State
      (with the exception of Ohio) consists of: ■ A title page (the name of the title page differs in different
      States), which contains the information required under the State statute to record the Master Form Security
      Instrument in that State and ■ The current Fannie Mae/Freddie Mac Uniform Security Instrument for that State
      In Ohio, there is no title page; the Master Form Security Instrument is the current Fannie Mae/Freddie Mac
      Ohio Mortgage with the required Master Form information provided on the first page of the Ohio Mortgage form
      itself. (ii) Short Form Security Instrument'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-8
  canonical_id: fhlmc-4101.2-8
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: 101-9 The Short Form Security Instrument is the Mortgage
    or Deed of Trust recorded for each individual Mortgage made and recorded in the recording jurisdiction where
    the Master Form Security Instrument is recorded. The Short Form Security Instrument contains loan-specific informa…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-9 The Short Form Security Instrument is the Mortgage or Deed of Trust recorded for each
      individual Mortgage made and recorded in the recording jurisdiction where the Master Form Security Instrument
      is recorded. The Short Form Security Instrument contains loan-specific information and incorporates by reference
      the provisions of the previously recorded Master Form Security Instrument. A Seller must not use or record
      a Short Form Security Instrument unless the Seller has already recorded a Master Form Security Instrument
      in the recorder’s office serving the recording jurisdiction in which the Mortgaged Premises is located. (b)
      Instructions for use of Master Form Security Instrument; Short Form Security Instrument (i) Master Form Security
      Instrument The Seller must: 1. Complete the title page by inserting the names and relevant information in
      the applicable places and have the title page signed and acknowledged, if required 2. Attach the title page
      to the front of the current Security Instrument for the State 3. Record the title page and Security Instrument
      together in the recorder’s office serving the recording jurisdiction(s) in which the Seller anticipates subsequently
      recording Short Form Security Instruments 4. In Ohio, complete the information in the box at the top of the
      first page of the Master Mortgage Form by inserting the names and relevant information in the applicable places
      and have the first page signed in the box at the top of the first page. Do not complete information outside
      of the box other than “Return to” information. The Security Instrument to which the title page is attached
      (or, in Ohio, on which the Master Form information is provided) should not have any information completed
      and should not be signed or acknowledged. In the event Freddie Mac revises the Uniform Security Instrument
      for the applicable State, the Seller must record the revised Master Form Security Instrument in all applicable
      local recording offices. The previously recorded Master Form Security Instrument must not be released or superseded.
      Mortgages originated after the effective date of a revised Uniform Security Instrument must be originated
      using a Short Form Security Instrument that references the new recorded Master Form Security Instrument.'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.2-9
  canonical_id: fhlmc-4101.2-9
  section: Freddie Mac Guide 4101.2
  description: '4101.2 Home Mortgage Uniform Instruments: 101-10 (ii) Short Form Security Instrument The Seller
    must: 1. Insert the recording information from the Master Form Security Instrument in the first paragraph of
    the “Definitions” section. (The recording information must be that of the Master Form Security Instrument that
    was re…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.2 — Home Mortgage Uniform Instruments (02/04/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-10 (ii) Short Form Security Instrument The Seller must: 1. Insert the recording information
      from the Master Form Security Instrument in the first paragraph of the “Definitions” section. (The recording
      information must be that of the Master Form Security Instrument that was recorded in the recording jurisdiction
      in which the Mortgaged Premises is located.) 2. Insert information for all blank spaces in the “Definitions”
      section 3. Check the applicable Rider boxes 4. Insert the property description information 5. Provide the
      Borrower with an exact copy of the recorded Master Form Security Instrument (the completed title page with
      recordation information and the applicable current Fannie Mae/Freddie Mac Uniform Security Instrument for
      the State) 6. Arrange for the Short Form Security Instrument to be executed by the Borrower(s) and acknowledged
      7. Arrange for any applicable Riders to be executed by the Borrower(s). In Pennsylvania, attach a copy of
      the Fannie Mae/Freddie Mac Pennsylvania Uniform Mortgage under the caption: “General Provisions Incorporated
      by Reference and Not to be Recorded with this Document” after the Rider(s), if any. 8. Record the Short Form
      Security Instrument and any applicable Riders in the recorder’s office serving the recording jurisdiction
      in which the Mortgaged Premises is located'
    drafter_attestation: Verbatim from Freddie Guide §4101.2 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
