Loan Programs FAQ

Yes. The limit for annual adjustments is called the periodic rate cap. The limit for how much the rate can change overall is called the lifetime rate cap.

This depends on the home loan option you choose. Popular loan terms are 10, 15, 20, 25, and 30 years. In some cases, you can even choose your own term (e.g., 17 years).

Generally between 5 and 20% of the home’s value.

ditech offers a wide range of home purchase and refinance loans: