source:
  type: guide
  id: fnma-sel-b8-4-01
  authority: Fannie Mae Selling Guide B8-4-01 — Riders and Addenda
  description: Fannie Mae Selling Guide B8-4-01 — Riders and Addenda.
  coverage_tier: operative
obligations:
- id: fnma-sel-b8-4-01-full
  canonical_id: fnma-sel-b8-4-01-full
  section: Fannie Mae Selling Guide B8-4-01 — Riders and Addenda
  type: do
  tags:
  - regulator-direct
  - fnma
  - selling-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide B8-4-01 — Riders and Addenda
    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: 'B8-4-01, Riders and Addenda (06/05/2018) Introduction This topic
      contains information on riders and addenda, including: General Information Uniform
      Riders and Fannie Mae-Speciﬁc Riders to Security Instruments General Information
      Published May 6, 2026 901 There are special conditions that require modiﬁcation
      of a security instrument (usually by a rider) or a note (usually by an addendum).
      These conditions may relate to the type of borrower (inter vivos revocable trusts),
      the type of security property (units in project developments, multiple-dwelling
      units, and leasehold estates), the occupancy status of the property (second
      homes or investment properties), the amortization method used for the mortgage
      (adjustable-rate mortgages), or the type of mortgage product (HUD Section 184
      mortgages that are combination construction/permanent mortgages, or HomeStyle
      Renovation mortgages). Uniform Riders and Fannie Mae-Speciﬁc Riders to Security
      Instruments There are uniform Fannie Mae/Freddie Mac riders to security instruments,
      as well as some Fannie Mae-speciﬁc riders. There are also some situations in
      which Fannie Mae requires a rider to security instruments, but Fannie Mae has
      not developed a speciﬁc form. In some cases, Fannie Mae may oﬀer language that
      a lender may include in the rider, even though Fannie Mae did not develop a
      speciﬁc document. The various riders that are used for regularly amortizing
      ﬁrst mortgages may be found on Fannie Mae''s Legal Documents website. Authorized
      changes that must or may be made to these documents are set out in the Summary
      Page that accompanies each document. Security instruments must be amended by
      one or more uniform riders or Fannie Mae-speciﬁc riders, as applicable, including:
      Uniform or Fannie Mae-Speciﬁc Rider Purpose The Multistate PUD Rider (Form 3150)
      or the Multistate Condominium Rider (Form 3140) Required for a mortgage that
      is secured by a unit in a PUD or condo project. Fannie Mae also has developed
      special riders for Texas Section 50(a)(6) loans that are secured by units in
      condo or PUD projects. In some states, co-op share loan documents must incorporate
      a co-op rider. Fannie Mae has not developed a standard multistate form for that
      rider, so the lender should contact its Fannie Mae customer account team to
      determine Fannie Mae’s documentation requirements for co-op share loan riders.
      The Multistate 1–4 Family Rider (Form 3170) Required for a mortgage secured
      by a one- to four-unit investment property or a two- to four-unit principal
      residence. The Multistate Second Home Rider (Form 3890) Required for a mortgage
      secured by a second home. Published May 6, 2026 902 Uniform or Fannie Mae-Speciﬁc
      Rider Purpose The applicable Multistate Adjustable Rate Rider (and, if applicable,
      an addendum to the rider) Required for all adjustable-rate mortgages. There
      are a number of diﬀerent versions of this rider, based on the applicable ARM
      plan or index. Fannie Mae also requires a special ARM rider for Texas Section
      50(a)(6) loan adjustable-rate mortgages. The model Multistate Renovation Loan
      Rider to Security Instrument (Form 3732) and the Multistate Renovation Investor
      Rider to Security Instrument (Form 3733) May be appropriately modiﬁed and used
      for HomeStyle Renovation mortgages. For other special-purpose documents for
      these HomeStyle products, see B8-5-03, HomeStyle Renovation Mortgage Documentation
      Requirements. Revocable Trust Rider May be used to amend security instruments
      for mortgages with inter vivos trust borrowers. Fannie Mae has developed a sample
      rider for mortgages that are made to inter vivos trust borrowers and are secured
      by California properties. See B8-5-02, Inter Vivos Revocable Trust Mortgage
      Documentation and Signature Requirements, for more information about the use
      of this rider and similar riders. A rider that includes a cross-default provision
      Must be used to amend security instruments for mortgages secured by leasehold
      estates so that a default on the lease is a default on the mortgage. Fannie
      Mae does not publish a standard rider that includes this provision. A construction
      loan rider Must be used to amend security instruments for HUD Section 184 mortgages
      that are combination construction/permanent mortgages. Fannie Mae does not publish
      a standard construction loan rider for government mortgages. Recent Related
      Announcements There are no recently issued Announcements related to this topic.
      Published May 6, 2026 903 Chapter B8-5, Special-Purpose Legal Documents Introduction
      This chapter provides information on special-purpose legal documents and related
      requirements.'
  judgment: false
