CORRESPONDENT FUNDING

ODD YEAR LOAN TERMS

Broad Range of Solutions

Capital Market Expertise

Consistent Market Presence by Mortgage Professionals

Contact your Sales Director today for more information:

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Why turn the clock back?As part of ditech’s correspondent loan purchase program, you can pick your loan term - anywhere from 10 to 30 years for conforming and VA fixed and 5 to 30 years for FHA fixed product. Consider using this option for refinances and purchases.

This information is being distributed to mortgage professionals and business entities only. It may not be distributed to consumers or used in any solicitation or advertisement for a mortgage loan, in whole or in part. See reverse side for licensing information.

You may not always have the lowest rate. Consider an Odd Term Option as a way to assist your clients by: Helping them save money Showing them how to potentially pay thousands less in interest over the life of their mortgage loan Assisting them with a strategy to payoff their mortgage faster Facilitating a plan to potentially build equity in their biggest investment

$200,000 Loan Amount at 3.0%

20 Year Term 18 Year Term 13 Year Term

Months 240 216 156

Payment (P&I) $1,109 $1,199 $1,550

Life of Loan Cost $266,207 $259,080 $241,775

Savings Over Life of Loan N/A $7,127 $24,432

Ditech Financial LLC, 1400 Landmark Towers, 345 St. Peter Street, St. Paul, MN 55102; 1555 W. Walnut Hill Lane, Suite 100, Irving TX,75038; (800-423-9527). NMLS ID #1057. Arizona Mortgage Banker License #BK 0905674; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Loans made or arranged under a California Finance Lenders Law license; Colorado Responsible Party: Ditech Financial LLC, 800-423-9527; Georgia Residential Mortgage Licensee License #7220; Illinois Residential Mortgage Licensee; Massachusetts Mortgage Lender License #ML1057; Minnesota: This is not an offer to enter into an agreement, which offer may only be made pursuant to Minn. Stat. § 47.206 Subd. 3 and 4.; Mississippi Licensed Mortgage Company; Licensed by the N.J. Department of Banking and Insurance; New York: Licensed as a debt collection agency by the New York City Department of Consumer Affairs, License #1325554; Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850171.000; Rhode Island: License types include Lender, Small Loan Lender, and Third-Party Loan Servicer; Virginia: NMLS ID #1057 (www.nmlsconsumeraccess.org). ditech does not originate mortgage loans in New York. Limited product availability in West Virginia.

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