Fannie Mae Legal Documents

All of the security instruments, notes, riders & addenda, and special purpose documents that should be used in connection with regularly amortizing one- to four-family conventional first mortgages that are sold to Fannie Mae are available for viewing, printing, or downloading in Microsoft® Word format.

• the latest revision date for the document;
• the document’s purpose and the type of mortgage transactions for which it is used;
• specific changes that must be made to the document;
• additional changes that may be made to the document, and
• other pertinent information about how special situations may affect the use or completion of the document.

This page provides downloadable copies of standard and negotiated instruments, including:

• Fannie Mae/Freddie Mac Uniform Instruments
• Fannie Mae Uniform Instruments (marked with an*)

For more information on the instruments, refer to the Uniform Instruments Fact Sheet.

Jump to a document category

• Notes
• Riders & addenda
• Security Instruments
• Special purpose documents

News and updates archive

The news and updates archive is a cumulative list of changes concerning the availability or use of specific legal documents, and document and instruction page changes.

We periodically make minor revisions to the legal documents, typically to comply with changes to applicable laws. When we revise the documents, we include a notation in the tagline at the bottom of the form to indicate the revision date, and we also include a notation of the revision date in the Instructions page for the document. Users may begin using revised legal documents immediately. Unless we specify, or applicable law requires, an earlier effective date, we require the use of revised documents by no later than six months after the revision date.

• individual one-sided, letter-sized or legal-sized pages;
• individual two-sided, letter sized or legal-sized pages; or
• any other page size or construction that is necessary to comply with specific state or local recordation statutes or requirements or to avoid incurring additional recordation costs for over-sized or lengthy documents.

Any other changes that are necessary to assure that the documents are in compliance with any other requirements of state or local recordation statutes or laws are also authorized.

A user must verify the accuracy of any document it reproduces (or has reproduced). If a mortgage document is altered in any way that we have not specifically authorized (other than ministerial changes such as format changes related to recording requirements), we will consider the document to be a non-standard document. A lender that delivers a loan to us using such altered documentation must make a number of non-standard document warranties related to various provisions in the document. The specific warranties are set out in the Selling Guide. Further, a party that makes alterations that we have not specifically authorized (other than ministerial changes such as format changes related to recording requirements) must include a specific notation indicating that the form has been modified by that party, i.e., "modified by ABC".