I am trying to find out why our mortgage Interest rate is 9.5% and how ditch can mandate insurance structure only coverage at that and charging almost $200 on top of our monthly payment and i applied for hardship help and was told that because we are 2/3 months behind we aren't eligible due to us capitalizing on the months behind!? I would love to find out that they are screwing people some unlawful way. Ditech would be doing themselves a favor if they would work with us and lower our bill if not they are going to have a acre with a house they'll never get 1/4 of what were paying. mortgage company sold us to 3 different companies in 4 1/2 years got over 48,000 in the same time and won't lower interest rate or mo bill WTH Any info that might Help?