source:
  type: regulation
  id: fhlmc-4101.4
  authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.4 — Authorized changes to Uniform Instruments
    (03/05/25)
  description: "Freddie Mac Guide §4101.4 (Authorized changes to Uniform Instruments). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-4101.4-0
  canonical_id: fhlmc-4101.4-0
  section: Freddie Mac Guide 4101.4
  description: '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'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.4 — Authorized changes to Uniform Instruments
      (03/05/25)
    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: '(03/05/25) This section contains requirements related to: ■ Uniform Instrument changes and
      modifications ■ Addendums or riders ■ Modifications for Construction Conversion and Renovation Mortgages'
    drafter_attestation: Verbatim from Freddie Guide §4101.4 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-4101.4-1
  canonical_id: fhlmc-4101.4-1
  section: Freddie Mac Guide 4101.4
  description: '4101.4 Authorized changes to Uniform Instruments: 101-11 (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
    o…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §4101.4 — Authorized changes to Uniform Instruments
      (03/05/25)
    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: '101-11 (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.'
    drafter_attestation: Verbatim from Freddie Guide §4101.4 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
