[Think free or die]

We've also been very happy with GMAC/Ditech. Our original mortgage was made in 1993 through a mortgage broker. It was sold several times until it landed with GMAC, which held onto it. They were excellent in their administrative procedures - very clear and consistent. When rates came down, we re-financed twice with them. By that time, it was called DiTech. We hated their ever-present ads, but they were fine to deal with. They refinanced our 30 year mortgage with no fees or closing costs of any kind. We just dropped the rate twice, and reduced our term to 15 years. We're happy to have a 4.875 fixed rate mortgage.

After buying my first house in 1980 at the bargain rate of 12% (FHA), and seeing 15% rates in my adult life, I never expected to hold a mortgage under 5%.

[Grampa Dave]

We are very happy with GMAC/DiTech.

Our son and DIL refied their first home with DiTech. Our first son was concerned because he didn’t know about DiTech.
Everything was done professionally and they closed within a week in their kitchen. They had a new born and an 18 month old.

Later when they got ready to buy a new and bigger home. DiTech did it again. They refied when we did a few years ago and got another great rate.

Our son and DIL are DiTech fans and promote them all the time. A gal in my wife’s office and her know it all husband just refied with a local and ended up with higher payments. The idiot husband said he refused to go to with DiTech or any out of town mortgage company. They had an ajustable with the same pirates and could barely make payments. Now they have a fixed with a ridiculous rate and higher monthly payments. They will probably lose the home unless the wife’s parents help.