Homepath

Low down payment and flexible mortgage terms
(fixed rate or adjustable rate)
You may qualify even if your credit is less than perfect
Available to both owner-occupants and Investors
No mortgage insurance (ask your Loan Agent for cost details on loans without mortgage insurance)
No appraisal

CORRESPONDENT LENDER. When acting as a mortgage broker, GMAC Mortgage arranges but does not make loans; all loan requests will be submitted to Ally Bank for loan approval, which may affect the availability of the funds.

Subject to underwriting approval. Application required; not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Fees & charges apply and may vary by product and State. Terms, conditions & restrictions apply. Taxes & insurance extra. Rates & terms may vary. Rates, loan products, & fees subject to change without notice. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Consult a tax advisor regarding eligibility requirements for the first-time homebuyer tax credit. Call for details.

NMLS Unique Identifier # 1045; Alaska Mortgage Lender Licensee # 100167; Arizona Mortgage Banker License # BK-0908590; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act; Colorado Responsible Party: Tom West. To check the license status of your mortgage broker, visit http://www.dora.state.co.us/real-estate/index.htm; Georgia Residential Mortgage Licensee # 5845; Illinois Residential Mortgage Licensee # MB.6760182 by the Illinois Department of Financial and Professional Regulation - Division of Banking, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois 60603, (312) 793-3000; Massachusetts Mortgage Lender and Broker License # MC3735; Minnesota: 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) and (4); Mississippi Licensed Mortgage Company; Montana Mortgage Lender Licensee # 104; Licensed by the New Hampshire Banking Department; Licensed by the N.J. Department of Banking and Insurance; Licensed Mortgage Banker NYS Banking Department; Ohio Certificate of Registration # SM.501453.000; Oregon Mortgage Banker Licensee # ML-160; Licensed by the Pennsylvania Department of Banking; Rhode Island Licensed Lender and Licensed Loan Broker; Licensed by the Virginia State Corporation Commission License # MLB-1435. Washington Consumer Loan Licensee # 520-CL-49424. GMAC Mortgage, LLC (licensed in some states as GMAC Mortgage, LLC d/b/a ditech). 1100 Virginia Drive, Fort Washington, PA 19034 (215-734-5000). Equal Housing Lender.

HomePath is a registered trademark of FannieMae.