source:
  type: guide
  id: fhlmc-4101.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 4101.1 — The
    Mortgage application
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 4101.1 — The
    Mortgage application.
  coverage_tier: operative
obligations:
- id: fhlmc-4101.1-full
  canonical_id: fhlmc-4101.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 4101.1 — The Mortgage
    application
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 4101.1 — The
      Mortgage application
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '4101.1: The Mortgage application (12/17/25) This section contains
      requirements related to: ■ Required use of Form 65, Uniform Residential Loan
      Application ■ Completion instructions (a) Required use of Form 65 Form 65 must
      be used for all Mortgage applications. The Seller is required to use the version
      of Form 65 that is current as of the loan application date. (See Exhibit 4A,
      Single-Family Uniform Instruments.) Seller may make changes to the style and
      formatting of Form 65 and its components – Borrower Information, Additional
      Borrower, Continuation Sheet, Lender Loan Information and the Unmarried Addendum,
      if applicable, in accordance with the UMDP Rendering Options for the Uniform
      Residential Loan Application, Document revised 1/2020 (the “Rendering Options”).
      However, the fields names, descriptions and order of sections may not be altered
      in any way. Form fields within a section may be moved within that section if
      additional field length is needed. Any adjustments made to the format of the
      form must be made pursuant to all applicable law. Translation aids for Form
      65 and its components are available on Freddie Mac’s Multi- language Resources
      for Lenders and Other Housing Professionals webpage. These translation aids
      complement the applicable English-language documents and may be provided to
      consumers as supplemental education material when originating single-family
      residential Mortgages. The translation aids are for reference only and are not
      to be executed. (b) Completion instructions A completed Form 65 is used to begin
      the process of determining the Borrower’s credit reputation and capacity to
      repay the Mortgage. If a residential mortgage credit report (RMCR) is ordered,
      the information on Form 65 must be provided to the consumer reporting agency
      that is to issue the RMCR. The Seller may elect to complete the liabilities
      portion of the application directly from the credit reports either manually
      or through an automated process. If the credit reports identify fewer than three
      open Tradelines (except for Accept Mortgages), the Seller should ask the Borrower
      if any additional Tradeline references exist (see Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 4101 As of 02/04/26 Page 4101-2 Section 5202.1(a)
      for requirements relating to establishing Borrower credit reputation for Manually
      Underwritten Mortgages) The final Form 65 must reflect accurate and complete
      information as of the Note Date. All of the Borrower’s debts incurred through
      the Note Date must be included on the final Form 65 and must be considered in
      the calculation of the Borrower’s monthly debt payment-to-income ratio (see
      Section 5401.2). The final Form 65 must be complete, legible, dated and signed
      by the Borrowers signing the Note. Information on the initial application must
      be entered as originally provided by the Borrower and/or, if applicable, as
      listed on the credit reports, whether handwritten or typed. The information
      given by the Borrowers on the application must be consistent with both the identifying
      information in the credit reports as well as with the verifications in the Mortgage
      file. For any Mortgage in which there is a material discrepancy, the Seller
      must prepare a written statement explaining the discrepancy. Freddie Mac agrees
      that the Seller may receive an initial Form 65 from a Borrower as an Electronic
      Record (as defined in Section 1401.1(b)) or fax copy. The Freddie Mac Form 65
      contains language in the Acknowledgements and Agreements Section in the Borrower
      Information component that permits the Borrower to: ■ Physically sign a paper
      Form 65 with pen and ink and deliver a fax copy of the signed Form 65 to the
      Seller via facsimile transmission or ■ Electronically sign an electronic Form
      65 using an Electronic Signature (as defined in Section 1401.1(b)) and deliver
      the electronic Form 65 to the Seller as an Electronic Record via the internet
      or other form of electronic transmission The Seller represents and warrants
      that any Form 65 received from a Borrower as an Electronic Record or fax copy
      has been duly signed by the Borrower and complies with the federal Electronic
      Signatures in Global and National Commerce Act (“E-Sign”) and all other applicable
      State and federal laws and regulations, including, without limitation, all State
      and federal consumer disclosure laws and regulations. The Seller agrees that
      the Form 65 received from a Borrower as an Electronic Record or fax copy are
      subject to the representations, warranties, covenants, agreements and requirements
      contained in Section 1401.3(b) or Section 1401.3(c), as applicable. The final
      loan application must be either physically signed by the Borrower using a pen
      or signed electronically using an Electronic Signature that meets the requirements
      in Chapter 1401. The Seller may maintain copies of the initial and/or final
      signed paper Form 65 in accordance with the requirements of Section 3302.1(b).
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 4101 As of 02/04/26
      Page 4101-3 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 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
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 4101 As of 02/04/26
      Page 4101-4 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. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4101 As of 02/04/26 Page 4101-5 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/Freddie Mac Single 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 Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 4101 As of 02/04/26 Page 4101-6
      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.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 4101 As of 02/04/26
      Page 4101-7 (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 4101.3: 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 Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4101 As of 02/04/26 Page 4101-8 (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 Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 4101 As of 02/04/26 Page 4101-9 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.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 4101 As of 02/04/26
      Page 4101-10 (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 4101.4: Authorized changes to Uniform
      Instruments (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 Single-Family Seller/Servicer
      Guide Chapter 4101 As of 02/04/26 Page 4101-11 (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. Freddie Mac Single-Family Seller/Servicer Guide Chapter 4101 As of
      02/04/26 Page 4101-12 4101.4: Authorized changes to Uniform Instruments (02/04/26)
      This section contains requirements related to: ■ Uniform Instrument changes
      and modifications ■ Addendums or riders ■ Modifications for Construction to
      Permanent Mortgages and Renovation Mortgages (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 to Permanent
      Mortgages and Renovation Mortgages The Uniform Instruments may require modification
      for use with Construction to Permanent Mortgages and Renovation Mortgages. Sellers
      that use the Uniform Instruments for construction or renovation loans may make
      changes or additions necessary for that purpose. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4101 As of 02/04/26 Page 4101-13 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 Chapter 4602 for
      information on documenting Construction to Permanent Mortgages and Renovation
      Mortgages.'
  judgment: false
