Your ditech loan modification options.
In the last few years, our loan modification experts have completed well over 100,000 loan modifications. We can help you start or finish a loan modification process.
If you are new to ditech and already in the loan modification process . . .
Welcome to ditech! As your new loan servicer, we look forward to working with you.
How your loan modification process will transfer to ditech.
Your previous servicer will provide us with your loan information. The account data we receive includes any relevant loan modification documents you have already provided. It also includes any pending applications and any trial period plans. We’ll be able to pick up right where your previous servicer left off.
During the transfer process, you may experience a temporary delay in posting your payment. Please continue to send your trial payments to ditech as outlined in your approval letter.
If you have come to us with a loan modification or a trial period plan that is already in process, please be assured that ditech will honor that agreement. The structure and terms of your loan modification will not change.
How do I review and monitor my ditech loan modification process?
Register or login to MyAccount to access your ditech account, including loan modification status. Please note, if your mortgage loan was recently transferred to ditech, it can take up to ten days for your account information to show in our system.
Visit our Transferred to ditech page to see an interactive timeline for loan servicing transfers.
I am interested in modifying my ditech loan. Where do I start?
If you are considering a loan modification or other loss mitigation options, start in the ditech Mortgage Assistance section. The “How We Can Help” quiz in the middle of the page can help you determine the type of mortgage assistance or loan modification options that are right for you.
Before you apply for a loan modification.
Are you using the right form for your loan modification? If your current home loan is owned or guaranteed by Fannie Mae or Freddie Mac, you will need to use a Fannie Mae/Freddie Mac Form 710. If you do NOT have a Fannie Mae or Freddie Mac loan, you will need to use a Request for Mortgage Assistance form.
Fannie Mae (the Federal National Mortgage Association or FNMA) and Freddie Mac (the Federal Home Loan Mortgage Corporation or FHLMC) are financial services corporations created by the United States Congress to ensure affordable housing and financing to all Americans.
Fannie Mae or Freddie Mac?
Before applying, check to see if your loan is owned by Fannie Mae or Freddie Mac. To check if your loan is owned by Fannie Mae, use the Fannie Mae Loan Lookup tool. To check if your loan is owned by Freddie Mac, use the Freddie Mac Loan Look-up Tool.