Payments FAQ

We will temporarily suspend late fees and ACH drafting for a specific time period. We will also suppress credit reporting when taking advantage of this program. Call our customer service team at 1-800-643-0202 to learn more about the assistance available to you.

We offer several convenient options for making payments. They’re all listed on the Make a Payment page.

Generally, payments will be posted to your account within 24 business hours of receipt.

You may be eligible to change your due date based on your account status and type of home loan. Please note that your account must be current to process a due date change. Loans backed by the Federal Housing Administration or the Veterans Administration are not eligible for due date changes.

To request a payment due date change, submit your request in writing. Include:

  • Your 9-digit ditech account number
  • Your due date preference: available due dates are the 1st, 5th, 10th and 15th of each month.
  • The account holder’s signature on the request.

Mail your request to our Customer Service department:

Ditech Financial LLC
P.O. Box 15009
Tempe, AZ 85284 – 0109

We do not recommend making payments to ditech through a third-party bill pay service (other than your bank or credit union). These bill pay services are not affiliated with ditech. If you choose to use an outside payment/bill pay processor service (such as DOXO), you should be aware that the service may (1) assess costs to process your payment and (2) delay the processing of your payment, which could result in late fees being charged to your account and delinquencies being reported to the credit reporting agencies.

We offer several convenient options for making payments directly to ditech, all of which are listed on the Make a Payment page.

You can register for AutoPay, our free automatic payment service online. You first need to create an online account. Click on the link below to get started.

Register for AutoPay

Note that some restrictions apply, so some accounts may not be eligible for AutoPay due to account status.

No, you can set up AutoPay to make your payment on any date between your due date and your late fee assessment date.

For example, if your payment is due on the 1st and your late charge is assessed on the 16th, your payment can be made on any date between the 1st and 15th. Plus, you can change the payment date each month.

Our online payment functionality is limited to entering and processing payments only. If you need to modify or delete any pending payments made through AutoPay, please contact our Customer Service department at 1-800-643-0202 10 business days prior to the payment processing date.

Yes, you can pay extra any month.

If we receive a payment larger than the amount due, we apply the additional amount first to any outstanding fees and then to your principal balance.

Extra payments toward your mortgage loan are “curtailments.” A full mortgage curtailment pays off your mortgage loan completely. A partial curtailment refers to any extra payments you make toward your balance.

As part of a mortgage recast, you should inform ditech in writing the total amount you plan to pay as a curtailment, and the date that these funds will be available. Ditech will review your loan and mail you an estimate letter that includes the estimated principal and interest (P & I) amount.