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Ditech Financial is a consumer services firm that specializes in providing United States consumers with assistance in seeking out their goals of owning homes. The firm offers Federal Housing Authority loans with mandatory down payments from as low as 3.5% down to consumers who have credit scores above 580 and a consistent employment history. You can also be provided with opportunities to take out Veterans Affairs loans if you are in the National Guard, any of the U.S. military’s five branches, retired military, or a veteran. Choose from 15-year fixed-rate mortgages with annual percentage rates as low as 3.86% and 30-year fixed-rate home loans offering APRs as low as 4.407%. Ditech Financial also offers a pre-approval application to submit online.