The Federal Reserve is scheduled to meet on Tuesday, Nov 1st where they are expected to raise short term rates. If you have a variable interest rate home loan, this will most likely increase your monthly payments, and could make your current payment skyrocket to a rate that’s higher than the current fixed-rate for a 30-year mortgage. Avoid those rising rates and protect yourself from future increases by switching over to a low fixed rate home loan. The total lender fee with ditech’s flat fee fixed rate mortgage is only $395. There are no points to pay, no middleman commissions and no broker fees. It’s easier than you think; Go to ditech.com or call 1-800-DITECH-1. Our friendly, professional loan officers have the experience you need to get out of the variable rate and ‘fix’ your home loan. Protect yourself and your investment by fixing your home loan with ditech.com, a GMAC Financial Services company. National Disclosure: Fee only applies to refinancing a first mortgage on owner-occupied single-family residences. Ditech.com will charge $395 for escrow fee, appraisal fee, notary fees, processing, title insurance and recording mortgage. Borrower responsible for rate lock fees, new loan interest costs, outstanding property liens, taxes, buyer's title insurance, private mortgage insurance, property insurance, association fees, seller fees, and certifications. NY CEMA fees paid by the borrower. Application fee in NJ. Loan processing fee in IA. Service Fee in PA. Loan origination fee in WA. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Terms, conditions & restrictions apply. Call 1-800-ditech-1 or go to www.ditech.com for flat fee details. A $200,000 loan amount with a $395 ditech fee and financed at 6.144% APR for 30 years would result in 360 monthly payments of $1,215.23. Your rate and term may vary. Arizona Mortgage Banker License Number BK-0903062; Licensed by the CA Dept. of Corporations under the California Residential Mortgage Lending Act; Georgia Residential Mortgage Licensee, License number 5845. Illinois Residential Mortgage Licensee; In HI, MA & WY, business is conducted under the name of ditech.com, Inc., MA Mortgage Lender license number ML 1895; MN: this is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn Stat Section 47.206 (3) & (4); Licensed by the New Hampshire Banking Department; Licensed by the N.J. Department of Banking and Insurance; Licensed Mortgage Banker - New York State Banking Dept.; Pennsylvania Dept. of Banking Licensee; Rhode Island Licensed Lender and Loan Broker, License Numbers 99000972LL and 99000973LB. Equal Housing Opportunity. 3200 Park Center Drive, Suite 150, Costa Mesa, CA 92626.