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1-800-643-0202 BUY A HOME Home Purchase Overview Get an overview of your options and resources when buying a home. Home Loan Options Find the right home loan options based on your needs. First-time Homebuyers Learn everything you need to know before buying your first home. Get Pre-qualified Learn all about pre-qualification and get started. REFINANCE Refinance Overview Get an overview of your options and resources when refinancing. Refinance Options Find the right refinance loan options based on your needs. Cash Out Refinance Learn everything you need to know and get started with a cash-out loan. Get Started Take the steps to get started on your refinance. RESOURCES Calculators Learn the numbers that affect your loan. Find A Loan Specialist A Home Loan specialist can answer your questions and help you close. FAQs A compilation of answers to the most common homebuying, refinancing and account related questions. Our Blog Articles to help with your homebuying and homeownership journey. Your Account Find out about managing your ditech account online. Home School A resource center with educational guides and interactive tools to help you with all things home related. ABOUT About Us Recognize the ditech name? Find out what sets us apart. Contact Us Have a question? We’re here to help. See how to contact us. ditech News See our latest press releases and announcements. Careers Interested in joining ditech? Learn about our company and browse current openings. Business Lending Grow your business by leveraging the power of the ditech brand. Reviews Read about what our Customers have to say about us. APPLY NOW -- LOGIN APPLY NOW LOGIN BUY A HOME Home Purchase Overview Home Loan Options First-time Homebuyers Get Pre-qualified REFINANCE Refinance Overview Refinance Options Cash Out Refinance Get Started RESOURCES Calculators Find A Loan Specialist FAQs Our Blog Your Account Home School ABOUT About Us Contact Us ditech News Careers Business Lending Reviews If you received a Notice of Service transfer dated 01/20/2020, please note the payment address provided in the notice contained an error with the zip code. All payments made on or after 02/01/2020 should be sent to New Rez LLC P.O. Box 740039 Cincinnati, OH 45274-0039. We apologize for any inconvenience. Home loans that work as hard as you. Information about the Ditech Financial LLC bankruptcy and sale Click here What can we help you with today? Buy a Home Refinance My ditech Apply Now Buy a Home Select an option to proceed loan-options-icon Loan Options resources-icon Resources loan-process-icon Loan Process Refinance Select an option to proceed: loan-options-icon Loan Options resources-icon Resources loan-process-icon Loan Process My ditech Select an option to proceed: contact-ditech-icon My Account home-my-account-icon Register for My Account home-payment-icon My Loan Application Apply Now Home Loan Resources No data found Calculators Get an idea about your payments, savings and other numbers that affect your loan Find Out Blogs Get all the info you need on a wide range of mortgage and homeownership topics. Read Now Find a Loan Specialist A Home Loan Specialist can answer your questions and help you to close on time. Get Started Homebuyer Guide Daydreaming about buying your first home? We’ve been there. Let’s make that dream a reality. Download Fixed Rate A fixed rate mortgage lets you set the interest rate and monthly principal & interest (P&I) payment for the life of your loan. Learn More Benefits Fixed interest rate Stable monthly mortgage payments (making budgeting easier) Flexible terms, ranging from 10 to 30 years in 5-year increments Simple to understand Learn More Adjustable Rate An adjustable rate mortgage (commonly known as an ARM) has an initial low, fixed rate period and then the rate adjusts with the current market conditions. Learn More Benefits Lower rates and payments in the initial term Rate caps to limit how much your interest rate can increase both yearly and over the life of the loan Lets borrowers take advantage of falling rates without needing to refi Learn More FHA Loan Insured by the Federal Housing Administration (FHA), an FHA loan can be one of the easier home loans for which to qualify. Learn More Benefits Lower rates than conventional loans Low down payment accepted Seller may pay up to 6% of closing costs Overall, an easier loan to qualify for Learn More VA Loan VA Loans are available exclusively to veterans, active-duty personnel, reservists, National Guard members and, in some cases, surviving spouses. Learn More Benefits Lower rates than conventional loans No down payment needed No mortgage insurance required Seller may pay up to 4% of closing costs An assumable mortgage Learn More Calculators Get an idea about your payments, savings and other numbers that affect your loan Find Out Blogs Get all the info you need on a wide range of mortgage and homeownership topics. Read Now Find a Loan Specialist A Home Loan Specialist can answer your questions and help you to close on time. Find Out Refinance Guide Compare your refinancing loan options in this handy guide. Download Fixed Rate A fixed rate mortgage lets you set the interest rate and monthly principal & interest (P&I) payment for the life of your loan. Learn More Benefits Fixed interest rate Stable monthly mortgage payments (making budgeting easier) Flexible terms, ranging from 10 to 30 years in 5-year increments Simple to understand Learn More Adjustable Rate An adjustable rate mortgage (commonly known as an ARM) has an initial low, fixed rate period and then the rate adjusts with the current market conditions. Learn More Benefits Lower rates and payments in the initial term Rate caps to limit how much your interest rate can increase both yearly and over the life of the loan Lets borrowers take advantage of falling rates without needing to refi Learn More FHA Loan Insured by the Federal Housing Administration (FHA), an FHA loan can be one of the easier home loans for which to qualify. Learn More Benefits Lower rates than conventional loans Reduced credit requirements No appraisal needed A quicker process Learn More VA Loan VA Loans are available exclusively to veterans, active-duty personnel, reservists, National Guard members and, in some cases, surviving spouses. Learn More Benefits Lower rates than conventional loans Low down payment accepted Seller may pay up to 6% of closing costs Overall, an easier loan to qualify for Learn More Explore Your Loan Options Let us know your wants and needs and we will help you find the right loan option for you. Start Here 4.6 Average Customer Rating (10193 reviews) READ ALL REVIEWS Ease of Obtaining Loan - 4.6 Speed of Obtaining Loan - 4.4 Customer Service - 4.6 Responsiveness - 4.6 READ ALL REVIEWS Quick and Easy! Very quick and easy process. My loan specialist Brandan promised it would be, and it was. Thanks to Brandan, I felt comfortable the whole time. - Marge B READ ALL REVIEWS About These Rates × Disclosures and Assumptions Application is required and is subject to credit review and approval. Full documentation required. Not all applicants will be approved. Loan secured by a lien against your property. Fees & charges apply and may vary by State, product, and loan amount. Terms, conditions & limitations apply. Additional payments of taxes & property insurance are required. Rates shown are those at which loans offered by ditech are currently being closed or committed, but they are subject to change without notice and may not be available at loan commitment, lock-in or closing. You may be required to lock in a rate when you apply. Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan. Important information relating specifically to your loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan. Call for details. Purchase 15 Year Fixed ...