Press Release

ditech.com Makes Enhancements to Web Site

Costa Mesa, CA - November 30, 2006 -

ditech.com (http://www.ditech.com), a leading direct mortgage lender, has re-launched its Web site to further enhance the experience of consumers who come to ditech.com seeking first mortgages, home equity loans and home equity lines of credit. Changes to the Web site?s design and function have been made to simplify and shorten the time and effort required to obtain information on getting a mortgage. These changes were made as a result of a detailed and extensive consumer study commissioned by ditech.com in 2005.

"We understand that consumers visit ditech.com for mortgage-related information prior to starting an online application or electing to call one of our dedicated loan consultants," said Richard D. Powers, general manager of ditech.com. "The new site has been optimized to ensure that consumers are just one click away from getting the information they need in a fast and convenient manner. We want to empower consumers by providing them with value-added tools and calculators to help them make an informed decision."

The changes include new navigation and consumer friendly layouts to enhance the online mortgage experience. The site features several tools, calculators, and scenario builders to help consumers choose the right mortgage product to fit their needs and to better understand their payments, fees and closing costs. For example, the Custom Rate and Fee Payment calculator allows consumers to view applicable payments, along with a detailed breakdown of the closing costs. The eAppraisal tool helps consumers understand the value of a new home purchase or approximate the equity value of their existing home for a home equity loan.

Many ditech.com customers also enjoy the convenience of online self-service for checking their loan application status, downloading tax related information or for making payments online 24-hours a day, seven days a week. 
      
About ditech.com
Founded in 1995, ditech.com (http://www.ditech.com), based in Costa Mesa, Calif., is a business unit of Residential Capital, LLC, a leading real estate finance company. ditech.com delivers excellent customer service along with the security of being part of one of the largest mortgage companies in America. ditech.com offers the consumer a variety of products, including first mortgages, variable equity lines of credit and no closing cost equity seconds. The online capabilities allow the customer to communicate with knowledgeable loan agents from home, work or on the road. 
 
Residential Capital, LLC (http://www.rescapholdings.com) is a leading real estate finance company, focused primarily on the residential real estate market in the United States, Canada, Europe and Latin America. Our diversified businesses -- GMAC-RFC, GMAC Mortgage, LLC, ditech.com, GMAC Bank, GMAC Real Estate, and Homecomings Financial -- cover the spectrum of the U.S. residential finance industry, from origination and servicing of mortgage loans through their securitization in the secondary market. We also provide capital to other originators of mortgage loans, residential real estate developers, resort and timeshare developers and healthcare companies. Residential Capital, LLC is an indirect wholly owned subsidiary of GMAC LLC. ditech.com is a licensed mortgage lender as well as an Equal Housing lender.

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