To make a long story short, my mortgage was sold to Ditech. I never was late on a payment but they lost my check somehow.
I ended up sending three checks that month and applied at another bank that does not sell loans to refinance. Ditech messes with good customers and I hope you Ditech people die a terrible death to cancer.
Save yourself some stress and refinance before Ditech ruins your credit and you won't be able to refinance. I hope this helps someone.
Review about: Ditech Mortgage.
Reason of review: Problems with payment.