source:
  type: guide
  id: fhlmc-4101.6
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 4101.6 — Signatures
    required
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 4101.6 — Signatures
    required.
  coverage_tier: operative
obligations:
- id: fhlmc-4101.6-full
  canonical_id: fhlmc-4101.6-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 4101.6 — Signatures
    required
  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 4101.6 — Signatures
      required
    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: '4101.6: Signatures required (07/02/25) The Security Instrument
      must be signed by all individuals with an ownership interest in the Mortgaged
      Premises. (See Exhibit 5A, Authorized Changes to Notes, Riders, Security Instruments,
      and Form 65, Uniform Residential Loan Application, for permissible changes to
      the Fannie Mae/Freddie Mac Uniform Instruments.) The Security Instrument must
      also be signed by each individual whose signature is necessary under the applicable
      statutory or decisional law of the State to create a valid lien, pass clear
      title, waive inchoate rights to property or assign earnings. The Note or applicable
      assumption agreement must be signed by any individual whose income or financial
      strength is needed to meet the Freddie Mac credit underwriting guidelines. If
      the Mortgage is delivered as an owner-occupied Mortgage, the Note must be signed
      by an Owner-Occupant. Note: Refer to Section 5103.5(e) for information on signatures
      required and forms of signature if a Borrower is a Living Trust and Section
      5103.6(b) for a Land Trust Mortgage. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 4101 As of 02/04/26 Page 4101-14 4101.7: Seller’s duties regarding
      Uniform Instruments (03/05/25) The Seller agrees that any action taken when
      enforcing its rights under the Mortgage documents will not violate the terms
      of any covenant in the Mortgage documents. The Seller also agrees to enforce
      its rights under the Uniform Instruments based on instructions or guidance provided
      by Freddie Mac. 4101.8: Execution, acknowledgment and recordation of the Security
      Instrument (12/17/25) The Security Instrument must be properly executed, acknowledged,
      delivered and recorded in all places necessary to perfect a First Lien security
      interest in the Mortgaged Premises in favor of the mortgagee. If a Mortgage
      is registered with MERS® and is originated naming MERS as the original mortgagee
      of record, solely as nominee for the lender named in the Security Instrument
      and the Note, and the lender’s successors and assigns, the Seller must ensure
      that the Security Instrument is properly executed, acknowledged, delivered and
      recorded in all places necessary to perfect a First Lien security interest in
      the Mortgaged Premises in favor of MERS, solely as nominee for the lender named
      in the Security Instrument and the Note, and the lender’s successors and assigns.
      Note: Refer to Section 1301.4(b) for specific representations and warranties
      with respect to MERS registration for Mortgages purchased by Freddie Mac.'
  judgment: false
