Freddie Mac Single-Family Seller/Servicer Guide Section 4101.6 — Signatures required

Freddie Mac Single-Family Seller/Servicer Guide Section 4101.6 — Signatures required

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.

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