source:
  type: regulation
  id: fhlmc-4101
  authority: FHLMC Single-Family Seller/Servicer Guide Chapter 4101 — The Mortgage Application
  description: 'FHLMC Single-Family Guide Chapter 4101 §4101.1 governs Mortgage

    Application requirements: mandatory use of Form 65 (Uniform

    Residential Loan Application / URLA), use of current Form 65

    version as of application date, prohibition on altering field

    names/descriptions/order, Note-Date accuracy of final Form 65,

    legibility/signature/dating requirements for final Form 65, and

    written-statement requirement for any material discrepancy

    between application and credit-report/file-verification data.

    '
obligations:
- id: fhlmc-4101-full
  canonical_id: fhlmc-4101-full
  section: FHLMC Single-Family Seller/Servicer Guide Chapter 4101
  description: "4101.1: The Mortgage application (12/17/25) \n \n■ Required use of Form 65, Uniform Residential\
    \ Loan Application \n \n■ Completion instructions \n \n(a) Required use of Form 65 \n \nForm 65 must\
    \ be used for all Mortgage applications. \n \nThe Seller is required to use the version of Form 65\
    \ that is current as…"
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - fhlmc-guide
  primary_source:
    tier: 1
    authority: FHLMC Single-Family Guide §4101.1(a) — Required use of Form 65
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/app/guide/
    snapshot_id: fbba421721d90cb1
    fetched_at: '2026-05-25T14:09:48Z'
    content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
    paragraph_quote: "4101.1: The Mortgage application (12/17/25) \n \n■ Required use of Form 65, Uniform\
      \ Residential Loan Application \n \n■ Completion instructions \n \n(a) Required use of Form 65 \n\
      \ \nForm 65 must be used for all Mortgage applications. \n \nThe Seller is required to use the version\
      \ of Form 65 that is current as of the loan application \ndate. (See Exhibit 4A, Single-Family Uniform\
      \ Instruments.) \n \nSeller may make changes to the style and formatting of Form 65 and its components\
      \ – \nBorrower Information, Additional Borrower, Continuation Sheet, Lender Loan Information \n\
      and the Unmarried Addendum, if applicable, in accordance with the UMDP Rendering \nOptions for the\
      \ Uniform Residential Loan Application, Document revised 1/2020 (the \n“Rendering Options”). However,\
      \ the fields names, descriptions and order of sections may not \nbe altered in any way. Form fields\
      \ within a section may be moved within that section if \nadditional field length is needed. Any\
      \ adjustments made to the format of the form must be \nmade pursuant to all applicable law. \n \n\
      Translation aids for Form 65 and its components are available on Freddie Mac’s Multilanguage Resources\
      \ for Lenders and Other Housing Professionals webpage. These \ntranslation aids complement the applicable\
      \ English-language documents and may be \nprovided to consumers as supplemental education material\
      \ when originating single-family \nresidential Mortgages. The translation aids are for reference\
      \ only and are not to be executed. \n \n(b) Completion instructions \n \nA completed Form 65 is\
      \ used to begin the process of determining the Borrower’s credit \nreputation and capacity to repay\
      \ the Mortgage. If a residential mortgage credit report \n(RMCR) is ordered, the information on\
      \ Form 65 must be provided to the consumer reporting \nagency that is to issue the RMCR. The Seller\
      \ may elect to complete the liabilities portion of \nthe application directly from the credit reports\
      \ either manually or through an automated \n \nIf the credit reports identify fewer than three open\
      \ Tradelines (except for Accept Mortgages), \nthe Seller should ask the Borrower if any additional\
      \ Tradeline references exist (see \n\n \n \n \nPage 4101-2 \nSection 5202.1(a) for requirements\
      \ relating to establishing Borrower credit reputation for \nManually Underwritten Mortgages) \n\
      \ \nThe final Form 65 must reflect accurate and complete information as of the Note Date. All of\
      \ \nthe Borrower’s debts incurred through the Note Date must be included on the final Form 65 \n\
      and must be considered in the calculation of the Borrower’s monthly debt payment-to-income \nratio\
      \ (see Section 5401.2). The final Form 65 must be complete, legible, dated and signed by \nthe Borrowers\
      \ signing the Note. \n \nInformation on the initial application must be entered as originally provided\
      \ by the Borrower \nand/or, if applicable, as listed on the credit reports, whether handwritten\
      \ or typed. The \ninformation given by the Borrowers on the application must be consistent with\
      \ both the \nidentifying information in the credit reports as well as with the verifications in\
      \ the Mortgage \nfile. For any Mortgage in which there is a material discrepancy, the Seller must\
      \ prepare a \nwritten statement explaining the discrepancy. \n \nFreddie Mac agrees that the Seller\
      \ may receive an initial Form 65 from a Borrower as an \nElectronic Record (as defined in Section\
      \ 1401.1(b)) or fax copy. The Freddie Mac Form 65 \ncontains language in the Acknowledgements and\
      \ Agreements Section in the Borrower \nInformation component that permits the Borrower to: \n \n\
      ■ Physically sign a paper Form 65 with pen and ink and deliver a fax copy of the signed \nForm 65\
      \ to the Seller via facsimile transmission or \n \n■ Electronically sign an electronic Form 65 using\
      \ an Electronic Signature (as defined in \nSection 1401.1(b)) and deliver the electronic Form 65\
      \ to the Seller as an Electronic \nRecord via the internet or other form of electronic transmission\
      \ \n \nThe Seller represents and warrants that any Form 65 received from a Borrower as an \nElectronic\
      \ Record or fax copy has been duly signed by the Borrower and complies with the \nfederal Electronic\
      \ Signatures in Global and National Commerce Act (“E-Sign”) and all other \napplicable State and\
      \ federal laws and regulations, including, without limitation, all State and \nfederal consumer\
      \ disclosure laws and regulations. The Seller agrees that the Form 65 \nreceived from a Borrower\
      \ as an Electronic Record or fax copy are subject to the \nrepresentations, warranties, covenants,\
      \ agreements and requirements contained in \nSection 1401.3(b) or Section 1401.3(c), as applicable.\
      \ \n \nThe final loan application must be either physically signed by the Borrower using a pen or\
      \ \nsigned electronically using an Electronic Signature that meets the requirements in Chapter \n\
      1401. \n \nThe Seller may maintain copies of the initial and/or final signed paper Form 65 in accordance\
      \ \nwith the requirements of Section 3302.1(b). \n\n \n \n \nPage 4101-3 \n4101.2: Home Mortgage\
      \ Uniform Instruments \n \n■ Use of Uniform Instruments \n \n■ Additional Mortgage documentation\
      \ \n \n■ Mortgage instruments for ARMs \n \n(a) Use of Uniform Instruments \n \nThe Security Instrument\
      \ and Note must be executed on the Uniform Instruments (1-4 \nFamily) for the jurisdiction where\
      \ the Mortgaged Premises is located. The Uniform \nInstruments used for a Mortgage must be the versions\
      \ current as of the Mortgage Note Date. \nSee Exhibit 4A, Single-Family Uniform Instruments, for\
      \ the current dates of revisions of all \nUniform Instruments. \n \nFor any Mortgage secured by\
      \ one of the following types of property, Freddie Mac requires \nboth: \n \n■ The single-family\
      \ Fannie Mae/Freddie Mac Uniform Security Instrument for the \njurisdiction where the Mortgaged\
      \ Premises is located, and \n \n■ One of the following types of riders, as applicable: \n \nRequired\
      \ riders by property type \nCondominium Rider Form 3140 \nPlanned Unit Development (PUD) \nunit\
      \ \nPlanned Unit Development Rider Form \n1- to 4-unit Investment Property \n1- to 4-Family Rider\
      \ Form 3170 \n1- to 4-Family Rider Form 3170 \n\n \n \n \nPage 4101-4 \nRequired riders by property\
      \ type \nSecond Home Rider Form 3890 \n \n(b) Additional Mortgage documentation \n \nIn addition\
      \ to the Uniform Instruments required by this Section 4101.2, certain Mortgage \nproducts have additional\
      \ loan documentation requirements stated elsewhere in the Guide as \n \nAdditional loan documentation\
      \ requirements by product \nSeller-Owned Converted Mortgages \nSection 4402.3 \nMortgages secured\
      \ by Manufactured Homes \nSections 5703.4(c) and \n5703.4(d) \nConstruction to Permanent Mortgages\
      \ and Renovation \nGovernment Funded, Guaranteed or Insured Mortgages \n \n(c) Mortgage instruments\
      \ for ARMs \n \nWhen closing ARMs, the Uniform Instruments used must be based on the applicable\
      \ ARM \nproduct. Below are the required instruments and instructions for completing them. \n \n\
      (i) Required ARM Uniform Instruments \n \nARMs must be closed using the Uniform Instruments for\
      \ the applicable ARM product, \nconsisting of: \n \n■ ARM Note and ARM rider – The Seller must use\
      \ the most current version of the \nARM Note and ARM rider. \n \n\n \n \n \nPage 4101-5 \nThe most\
      \ current version of the Uniform Instruments is the version in effect as of the \nNote Date of the\
      \ Mortgage. See Exhibit 4A for the current dates of revisions of all \nUniform Instruments. See\
      \ Exhibit 5A, Authorized Changes to Notes, Riders, Security \nInstruments and the Uniform Residential\
      \ Loan Application, for authorized changes to \nthe Uniform Instruments. \n \nThe ARM Note and ARM\
      \ rider must be completed in accordance with the terms of \nthe applicable ARM product. See Section\
      \ 4101.2(c)(iii) for instructions for \ncompletion of Section 4(D) of an ARM Note. \n \n■ Fannie\
      \ Mae/Freddie Mac Security Instrument – The Seller must use the most \ncurrent version of the State-specific\
      \ Fannie Mae/Freddie Mac Single Family Security \nInstrument prepared for use in the jurisdiction\
      \ in which the Mortgaged Premises is \nlocated and the most current version of any applicable property\
      \ type riders. \n \nFor certain ARM products, State-specific versions of the ARM Note have been\
      \ \nprepared for Alaska, Florida, New Hampshire, Puerto Rico, Vermont, Virginia, West \nVirginia\
      \ and Wisconsin. If a State-specific version of an ARM Note has been \nprepared, it must be used\
      \ for ARMs secured by Mortgaged Premises located in that \nState. The multistate version of the\
      \ ARM Note, with the required changes stated in \nExhibit 5A, must be used in all other States.\
      \ \n \nFreddie Mac makes available Uniform Instruments for use with ARM products with \nvarious\
      \ features. \n \nThe Uniform Instruments have the following features embedded in the form itself\
      \ (hardcoded): \n \n■ Index \n \n■ Lookback Period \n \n■ Assumability \n \nThe Uniform Instruments\
      \ have blanks to be completed by the Seller for the following \nfeatures (soft-coded): \n \n■ Maturity\
      \ Date (determines the term) \n \n■ First Interest Change Date (determined by the Initial Period)\
      \ \n \n■ Maximum interest rate at the first Interest Change Date (determined by the Initial \nCap)\
      \ \n \n■ Maximum increase or decrease in the interest rate at each adjustment after the first \n\
      Interest Change Date (Periodic Cap); the Periodic Cap is hard-coded 1% for 30-day \n\n \n \n \n\
      Page 4101-6 \nAverage SOFR Index (SOFR)-indexed Assumable Life of Loan and Assumable after \nInitial\
      \ Period with 45-day Lookback Period \n \n■ Maximum interest rate for the life of the loan (Lifetime\
      \ Ceiling, determined by the \nLife Cap) \n \n■ Minimum interest rate for the life of the loan (Lifetime\
      \ Floor, which must equal the \nMargin stated in the Note) \n \nIn determining which Uniform Instrument\
      \ to use with each ARM product, the Seller \nmust select the form with the applicable hard-coded\
      \ information and complete the softcoded information as appropriate. Because many of the features\
      \ of an ARM product are \nsoft-coded, the same Uniform Instrument may be used for different ARM\
      \ products. \n \nThe 6-Month SOFR-indexed ARM Note and rider may be used with a 3/6-Month, 5/6Month,\
      \ 7/6-Month, and 10/6-Month SOFR-indexed ARM with the same Lookback \nPeriod and assumability period.\
      \ \n \nThe Uniform Instruments may be used for ARM products that do not meet the eligibility \n\
      requirements for sale to Freddie Mac. Freddie Mac encourages the Seller to use Uniform \nInstruments,\
      \ if available, for originating ARM loans even if the ARM product is not \neligible for sale. \n\
      \ \nThe following table describe the Uniform Instruments available for different hard-coded \nfeatures\
      \ for ARM products: \n \nUniform Instruments for 6-Month SOFR-indexed ARM products by \nassumability\
      \ period \nAssumability period \nAssumable for life of loan \n3141* \n3441* \nAssumable after Initial\
      \ Period \n3142* \n3442* \nLookback = 45 Days Preceding the Interest Change Date \n*Hard-coded with\
      \ a 1% Periodic Cap \n \nAll ARM Uniform Instruments are available on Freddie Mac’s website at \n\
      https://sf.freddiemac.com/tools-learning/uniform-instruments/overview. \n \n\n \n \n \nPage 4101-7\
      \ \n(ii) Use of Fannie Mae ARM instruments \n \nThe Seller may use Fannie Mae’s ARM instruments\
      \ only in accordance with the \nprovisions of this subparagraph. The Seller must consult its own\
      \ legal counsel when \nusing a Fannie Mae instrument for a particular Freddie Mac ARM product. \n\
      \ \nThe Seller originating ARMs on Fannie Mae instruments represents and warrants that the \nFannie\
      \ Mae instrument, when completed, is appropriate for the applicable Freddie Mac \nARM product and\
      \ can be serviced in accordance with the Guide. \n \n(iii) Instructions for completing Section 4(D)\
      \ of an ARM Note \n \nThe Seller must complete Section 4(D), Limits on Interest Rate Changes, of\
      \ an ARM \nNote as follows: \n \n1. Insert in the first blank of the first sentence, referring to\
      \ the Initial Cap (the maximum \ninterest rate on the first Interest Change Date), the interest\
      \ rate that is equal to the sum \nof the initial Note Rate for the Mortgage, plus the applicable\
      \ Initial Cap for that ARM \n \n2. Insert in the second blank of the first sentence, referring to\
      \ the minimum interest rate \non the first Interest Change Date, the interest rate that is equal\
      \ to the initial Note Rate \nfor the Mortgage, minus the applicable Initial Cap. If this difference\
      \ is less than the \nMargin stated in the Note, insert the value of the Margin. \n \n3. Insert in\
      \ the first blank in the last sentence, referring to the Lifetime Ceiling (the \nmaximum interest\
      \ rate during the life of the Mortgage), the initial Note Rate plus the \napplicable Life Cap for\
      \ that ARM product \n \n4. In the second blank in the last sentence, referring to the Lifetime Floor\
      \ (the minimum \ninterest rate during the life of the Mortgage), insert the Margin stated in the\
      \ Note \n4101.3: Master Form and Short Form Security \nInstruments (03/05/25) \n \n■ Master Form\
      \ and Short Form Security Instruments \n \n■ Instructions for use of Master Form Security Instrument;\
      \ Short Form Security Instrument \n \n\n \n \n \nPage 4101-8 \n(a) Master Form and Short Form Security\
      \ Instruments \n \nCertain States have statutes that allow originating lenders to record a Master\
      \ Form Security \nInstrument in a given county and then to record a Short Form Security Instrument\
      \ for each \nsubsequent Mortgage originated and recorded in that county. The Short Form Security\
      \ \nInstrument contains the loan-specific information (e.g., Borrower name, lender name, loan \n\
      amount, description of property) and identifies the provisions of the Master Form Security \nInstrument\
      \ that are being incorporated into the Short Form Security Instrument. \n \nThe State-specific Fannie\
      \ Mae/Freddie Mac Uniform Master Form Security Instrument and \nShort Form Security Instrument are\
      \ available from Freddie Mac’s website at \nhttps://sf.freddiemac.com/tools-learning/uniform-instruments/2021-updatedinstruments.\
      \ See Exhibit 4A, Single-Family Uniform Instruments, for the list of currently \navailable Master\
      \ Form Security Instruments and Short Form Security Instruments and the \ncurrent dates of these\
      \ instruments. \n \nFreddie Mac will purchase Mortgages originated on a Short Form Security Instrument\
      \ \nprovided the requirements stated in this Section 4101.3 are satisfied. \n \nThe Seller must\
      \ not use or record a Short Form Security Instrument unless it has already \nrecorded a Master Form\
      \ Security Instrument in the recorder’s office serving the recording \njurisdiction in which the\
      \ Mortgaged Premises is located. In North Carolina, a Master Form \nmay not be recorded in certain\
      \ designated counties stated in the North Carolina statute. \n \nA copy of the recorded Master Form\
      \ Security Instrument must be provided to the Borrower. \n \n(i) Master Form Security Instrument\
      \ \n \nThe Master Form Security Instrument is the Master Form Mortgage or Deed of Trust that \n\
      is permitted under certain State statutes to be recorded by originating lenders in a given \nrecording\
      \ jurisdiction in the State. The Master Form Security Instrument for each State \n(with the exception\
      \ of Ohio) consists of: \n \n■ A title page (the name of the title page differs in different States),\
      \ which contains the \ninformation required under the State statute to record the Master Form Security\
      \ \nInstrument in that State and \n \n■ The current Fannie Mae/Freddie Mac Uniform Security Instrument\
      \ for that State \n \nIn Ohio, there is no title page; the Master Form Security Instrument is the\
      \ current Fannie \nMae/Freddie Mac Ohio Mortgage with the required Master Form information provided\
      \ \non the first page of the Ohio Mortgage form itself. \n \n(ii) Short Form Security Instrument\
      \ \n \n\n \n \n \nPage 4101-9 \nThe Short Form Security Instrument is the Mortgage or Deed of Trust\
      \ recorded for each \nindividual Mortgage made and recorded in the recording jurisdiction where\
      \ the Master \nForm Security Instrument is recorded. \n \nThe Short Form Security Instrument contains\
      \ loan-specific information and incorporates \nby reference the provisions of the previously recorded\
      \ Master Form Security Instrument. \n \nA Seller must not use or record a Short Form Security Instrument\
      \ unless the Seller has \nalready recorded a Master Form Security Instrument in the recorder’s office\
      \ serving the \nrecording jurisdiction in which the Mortgaged Premises is located. \n \n(b) Instructions\
      \ for use of Master Form Security Instrument; Short Form Security \n \n(i) Master Form Security\
      \ Instrument \n \n \n1. Complete the title page by inserting the names and relevant information\
      \ in the \napplicable places and have the title page signed and acknowledged, if required \n \n\
      2. Attach the title page to the front of the current Security Instrument for the State \n \n3. Record\
      \ the title page and Security Instrument together in the recorder’s office serving \nthe recording\
      \ jurisdiction(s) in which the Seller anticipates subsequently recording \nShort Form Security Instruments\
      \ \n \n4. In Ohio, complete the information in the box at the top of the first page of the Master\
      \ \nMortgage Form by inserting the names and relevant information in the applicable \nplaces and\
      \ have the first page signed in the box at the top of the first page. Do not \ncomplete information\
      \ outside of the box other than “Return to” information. \n \nThe Security Instrument to which the\
      \ title page is attached (or, in Ohio, on which the \nMaster Form information is provided) should\
      \ not have any information completed and \nshould not be signed or acknowledged. \n \nIn the event\
      \ Freddie Mac revises the Uniform Security Instrument for the applicable \nState, the Seller must\
      \ record the revised Master Form Security Instrument in all \napplicable local recording offices.\
      \ The previously recorded Master Form Security \nInstrument must not be released or superseded.\
      \ \n \nMortgages originated after the effective date of a revised Uniform Security Instrument \n\
      must be originated using a Short Form Security Instrument that references the new \nrecorded Master\
      \ Form Security Instrument. \n \n\n \n \n \nPage 4101-10 \n(ii) Short Form Security Instrument \n\
      \ \n \n1. Insert the recording information from the Master Form Security Instrument in the first\
      \ \nparagraph of the “Definitions” section. (The recording information must be that of the \nMaster\
      \ Form Security Instrument that was recorded in the recording jurisdiction in \nwhich the Mortgaged\
      \ Premises is located.) \n \n2. Insert information for all blank spaces in the “Definitions” section\
      \ \n \n3. Check the applicable Rider boxes \n \n4. Insert the property description information \n\
      \ \n5. Provide the Borrower with an exact copy of the recorded Master Form Security \nInstrument\
      \ (the completed title page with recordation information and the applicable \ncurrent Fannie Mae/Freddie\
      \ Mac Uniform Security Instrument for the State) \n \n6. Arrange for the Short Form Security Instrument\
      \ to be executed by the Borrower(s) \nand acknowledged \n \n7. Arrange for any applicable Riders\
      \ to be executed by the Borrower(s). In \nPennsylvania, attach a copy of the Fannie Mae/Freddie\
      \ Mac Pennsylvania Uniform \nMortgage under the caption: “General Provisions Incorporated by Reference\
      \ and Not \nto be Recorded with this Document” after the Rider(s), if any. \n \n8. Record the Short\
      \ Form Security Instrument and any applicable Riders in the \nrecorder’s office serving the recording\
      \ jurisdiction in which the Mortgaged Premises \nis located \n4101.4: Authorized changes to Uniform\
      \ Instruments \n \n■ Uniform Instrument changes and modifications \n \n■ Addendums or riders \n\
      \ \n■ Modifications for Construction Conversion and Renovation Mortgages \n \n\n \n \n \nPage 4101-11\
      \ \n(a) Uniform Instrument changes and modifications \n \nThe Seller must not make any changes or\
      \ additions to the Uniform Instruments that have any \nforce or effect after purchase of the Mortgage\
      \ by Freddie Mac, except for changes and \nmodifications that: \n \n■ Are accomplished by use of\
      \ Fannie Mae/Freddie Mac Uniform Instrument Riders \n \n■ Pertain to an assumption or an alteration\
      \ of the principal, Note Rate, payment amount or \ndate, or maturity date of the Mortgage, or \n\
      \ \n■ Are required or permitted by the provisions in Exhibit 5A, Authorized Changes to Notes, \n\
      Riders, Security Instruments and the Uniform Residential Loan Application \n \n(b) Addendums or\
      \ riders \n \nIf a change or addition permitted under this section is made to the instrument in\
      \ the form of \nan addendum or rider, the addendum or rider must: \n \n■ Be referenced in the instrument\
      \ it is modifying \n \n■ Reference the instrument, and \n \n■ Be firmly attached to the instrument\
      \ \n \nThe Seller agrees that no changes or additions to the Uniform Instruments otherwise \npermitted\
      \ here will be made if such changes or additions would adversely affect the \nnegotiability of the\
      \ Note. \n \n(c) Modifications for Construction Conversion and Renovation Mortgages \n \nThe Uniform\
      \ Instruments may require modification for use with Construction Conversion \nMortgages and Renovation\
      \ Mortgages. Sellers that use the Uniform Instruments for \nconstruction or renovation loans may\
      \ make changes or additions necessary for that purpose. \n \nThese changes and additions should\
      \ be provided in a Note addendum or Security \nInstrument rider. The changes or additions do not\
      \ need to contain a statement that they \nbecome void upon purchase by Freddie Mac if the changes\
      \ or additions are necessary to \nassure the first priority of the Mortgage lien or if, by their\
      \ terms, the changes or additions \ncease to be effective before the Settlement Date. \n \nNote:\
      \ See Section 4602.3 for information on documenting Construction Conversion \n\n \n \n \nPage 4101-12\
      \ \n4101.4: Authorized changes to Uniform Instruments \n \n■ Uniform Instrument changes and modifications\
      \ \n \n■ Addendums or riders \n \n■ Modifications for Construction to Permanent Mortgages and Renovation\
      \ Mortgages \n \n(a) Uniform Instrument changes and modifications \n \nThe Seller must not make\
      \ any changes or additions to the Uniform Instruments that have any \nforce or effect after purchase\
      \ of the Mortgage by Freddie Mac, except for changes and \nmodifications that: \n \n■ Are accomplished\
      \ by use of Fannie Mae/Freddie Mac Uniform Instrument Riders \n \n■ Pertain to an assumption or\
      \ an alteration of the principal, Note Rate, payment amount or \ndate, or maturity date of the Mortgage,\
      \ or \n \n■ Are required or permitted by the provisions in Exhibit 5A, Authorized Changes to Notes,\
      \ \nRiders, Security Instruments and the Uniform Residential Loan Application \n \n(b) Addendums\
      \ or riders \n \nIf a change or addition permitted under this section is made to the instrument\
      \ in the form of \nan addendum or rider, the addendum or rider must: \n \n■ Be referenced in the\
      \ instrument it is modifying \n \n■ Reference the instrument, and \n \n■ Be firmly attached to the\
      \ instrument \n \nThe Seller agrees that no changes or additions to the Uniform Instruments otherwise\
      \ \npermitted here will be made if such changes or additions would adversely affect the \nnegotiability\
      \ of the Note. \n \n(c) Modifications for Construction to Permanent Mortgages and Renovation Mortgages\
      \ \n \nThe Uniform Instruments may require modification for use with Construction to Permanent \n\
      Mortgages and Renovation Mortgages. Sellers that use the Uniform Instruments for \nconstruction\
      \ or renovation loans may make changes or additions necessary for that purpose. \n\n \n \n \nPage\
      \ 4101-13 \n \nThese changes and additions should be provided in a Note addendum or Security \n\
      Instrument rider. The changes or additions do not need to contain a statement that they \nbecome\
      \ void upon purchase by Freddie Mac if the changes or additions are necessary to \nassure the first\
      \ priority of the Mortgage lien or if, by their terms, the changes or additions \ncease to be effective\
      \ before the Settlement Date. \n \nNote: See Chapter 4602 for information on documenting Construction\
      \ to Permanent"
    drafter_attestation: 'Verbatim Freddie Mac Guide Section 4101.1 from snapshot fbba421721d90cb1 via
      reading projection (furniture stripped); section-bounded by NNNN.N: headers; substring-verified.'
  judgment: false
