Handling & Avoiding Late Payments

There may be times when you’re struggling financially and need ditech mortgage assistance. There are many loan modification programs that may be available to help you keep your mortgage on track. We’ll help you find the one that makes the most sense for your situation.

If staying in your home isn’t an option, we can help you find an appropriate loss mitigation program to try to avoid foreclosure. We’re here to guide you through the entire ditech mortgage assistance process. For additional information, please visit KnowYourOptions.com.

Do you already have a loan modification in process with your previous servicer? Go to the ditech Loan Modification page for more information.

Click here to download The Homeowner’s Guide to Success – a guide created by HUD (United States Department of Housing and Urban Development) to help struggling homeowners.

If you’ve already missed a payment or if you’re struggling:

Please contact a ditech representative right away at 1-800-643-0202. A dedicated agent will explain your ditech mortgage assistance and loan modification options and help you submit the necessary request form. We want to help you stay in your home, if possible. The sooner you contact us, the more options you’ll have.


How We Can Help

ditech is committed to helping our Customers maintain their payment and obligations and retain home ownership. Whether you are seeking to take advantage of lower interest rates or you are facing an unexpected hardship that makes it difficult to meet your monthly payment, we may be able to help you manage your payments.

Step 1 - Tell us about what type of assistance you need.

Select the scenario that best describes your situation:




Financial challenges can result in you leaving your current property and transitioning to more affordable housing. However, it may be possible to avoid foreclosure through alternatives such as a short sale or deed-in-lieu. We can help you explore foreclosure alternatives. Visit our Mortgage Assistance page for important ditech foreclosure process and foreclosure alternative information.
Absolutely, your previous servicer will transfer all the information about your loan to us. We won’t make any changes to the structure of the loan. Whether the modification or trial modification was to the interest rate, principal, payment or fees, your modified terms will remain intact.
Your previous servicer will provide us with all the information about your loan, including any relevant loan modification documents you’ve already provided, any pending applications and any trial period plans. We’ll be able to pick up right where your previous servicer left off to get you back on track as quickly as possible.