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.
If ditech receives a payment at an incorrect payment-processing center, we route it to the correct payment address for processing.
Contact information for ditech can be found on our Contact a Customer Service Representative 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.
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.
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.
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.
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 Customer Service
PO Box 6172
Rapid City, SD 57709-6172