New Hampshire Residential Mortgage

• Under the terms of this Contract, the seller effectively becomes the mortgage lender for the balance of the purchase money.
• Title will transfer to the buyer once payment in full of all principal and interest has been received by the seller.
• The seller has the right to take back the property if the buyer defaults in payment.
• At the seller's option, the balance can be repaid by monthly payments with or without interest until paid, or monthly payments with interest for a fixed number of payments with a balloon payment at the end to pay out the balance.

This free Fannie Mae/Freddie Mac 1-4 Family Rider is used if you are mortgaging a rental property with 1 to 4 units.

• The Rider should be attached to the mortgage, deed of trust or security deed, to amend and supplement the security instrument.
• The borrower agrees that the mortgage lender can collect the rents on the property if the borrower defaults under the Note. This is called an assignment of rents.
• Form 3170 USA Multistate 1-4 Family Mortgage Rider is a free form which can be downloaded directly from the FannieMae.com website.

This free Adjustable Rate Rider (1 Year Treasury Index - Rate Caps) is used to adjust the interest rate and monthly payments under the mortgage note.

• Once it's been signed, the Rider will form part of the mortgage, deed of trust or security deed.
• The borrower agrees that the interest rate may change once in each 12-month period.
• The new rate will be based on a weekly average yield on US Treasury securities adjusted over a 1-year maturity.
• The interest rate will not increase or decrease more than the percentage amount stated in the Rider.
• This Rider is for mortgages on single-family homes.
• Fannie Mae/Freddie Mac Form 3108 USA Multistate Adjustable Rate Mortgage Rider is a free MS Word document from freddiemac.com.

Attach the Multistate Biweekly Payment Rider (Fixed Rate) to the mortgage document when a borrower wants to make the mortgage payments every two weeks instead of monthly.

• The Rider will become part of the mortgage or deed of trust and supplements the provisions of the loan document.
• The form sets out the amount of the biweekly payment, and the late charge that will be paid if a payment is not made in full when it is due.
• This Rider is for fixed rate mortgages on single-family homes in the United States.
• Download a free copy of the Fannie Mae/Freddie Mac Form 3177 Multistate Biweekly Payment Rider (Fixed Rate).

Attach this PUD Mortgage Rider to mortgages for single family residences that are part of a planned unit development (PUD).

• The Rider will become part of the mortgage or deed of trust and supplements the provisions of the loan document.
• The borrower agrees to perform all of its obligations under the Declaration, bylaws, and other documents governing the PUD property, and to pay all dues and assessments when they become due.
• The PUD owners' association must maintain blanket property insurance and public liability insurance on the condominium project.
• If the borrower fails to pay dues and assessments when they become due, the lender may pay them, and they will form part of the debt owed by the borrower.
• Form 3150 USA Multistate Planned Unit Development (PUD) Mortgage Rider is a free download from FreddieMac.com.

This Monthly Multistate Fixed Rate Note can be used to secure repayment of a mortgage almost anywhere in the United States.

• This is a promissory note. The borrower promises to repay the principal amount of the loan, plus interest at the specified rate.
• Payments will be made monthly and will be applied first to late charges (if any), then to accrued interest, and then to principal.
• The loan will accelerate if the borrower defaults, and the entire amount owing on the loan will become immediately payable, at the option of the lender.
• The Note can be used in conjunction with a mortgage, a deed of trust or a security deed.
• Available in MS Word format.
• Intended to be used onlyl within the United States.