Ditech Home Loans is not recommended. They won’t accept payments after the first month, even though you can make it online.
However, they say you can do it online. I was charged $10 extra for calling in.
You should choose another company that offers customer service after work.
One that allows you to make online payments after the first day of the month.
They also allow you to pay the fee via phone.
You can call the Ditech payment number to find out for yourself.