[fratkid21]

I do have one positive thing to add here.... I have one mortgage with GMAC and one with Ditech (also GMAC)... I have had only good experiences with them... Also, Ditech.com has done pretty well in capturing a large portion of the market when it comes to mortgages....

Now having said that, when all of these "real-estate investors" start hitting the end of their 3 and 5 year arms, and defaulting on loans, how will that affect ditech and GMAC mortgage companies???