Exhibit 10.18

EXECUTION COPY

SIXTH AMENDMENT AGREEMENT

Dated as of March 31, 2009

by and among

RESIDENTIAL FUNDING COMPANY, LLC,

as
Borrower,

GMAC MORTGAGE, LLC,

as Borrower,

RESIDENTIAL CAPITAL, LLC AND CERTAIN OTHER

AFFILIATES OF THE BORROWERS PARTY HERETO,

as Guarantors or Obligors,

and

GMAC LLC,

as Initial Lender and as Lender Agent

and

Certain Other Financial Institutions and Persons from

time to time party hereto as Lenders



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This SIXTH AMENDMENT AGREEMENT (this Agreement) dated as of March 31, 2009 (the
Amendment Effective Date), is by and among Residential Funding Company, LLC, a Delaware limited liability company (RFC), GMAC Mortgage, LLC, a Delaware limited liability company (GMAC
Mortgage and, together with RFC, each a Borrower and, collectively, the Borrowers), Residential Capital, LLC and the other Affiliates of the Borrowers party hereto as Guarantors (each, a
Guarantor), the Affiliates of the Borrower party hereto as obligors, and GMAC LLC, a Delaware limited liability company, in its capacity as Initial Lender and as agent for the Lenders (in such capacity, the Lender
Agent).

Reference is hereby made to the Loan Agreement dated as of June 4, 2008 among the Borrowers, the Guarantors, the
Lenders, the Lender Agent, the various other parties signatory thereto as obligors and Wells Fargo Bank, N.A. (as amended and modified through the date hereof, the Loan Agreement).

RECITALS

1. Each of the parties hereto is a
party to the Loan Agreement.

2. The parties hereto desire to make certain amendments to the Loan Agreement.

3. Each of the parties hereto, by its signature hereto, hereby acknowledges, consents and agrees to the changes set forth herein.

4. In consideration of the premises and mutual agreements herein contained and for good and valuable consideration, the receipt and sufficiency of which
is hereby acknowledged, the parties hereto agree as follows:

ARTICLE I

DEFINED TERMS

SECTION 1.1 Capitalized terms used herein and not otherwise defined
shall have the meaning set forth in the Loan Agreement.

ARTICLE II

AMENDMENTS TO THE LOAN AGREEMENT

SECTION 2.1 Amendment to the Loan Agreement.
Each of the parties hereto hereby consents and agrees that the Loan Agreement shall be amended as of the Amendment Effective Date as follows:

(a) Section 7.01(h) of the Loan Agreement is hereby amended and restated in full to read as follows:

(h) GMAC Mortgage shall maintain either (i)(1) at all times while Fannie Mae is utilizing the monthly Peak Score rating system, a monthly Peak Score which equates to Excellent or better or
(2) at all times after Fannie Mae has developed and implemented a replacement rating system for the monthly Peak Score rating system, a score or rating in respect of such replacement rating system



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that is reasonably equivalent to a monthly Peak Score of Excellent or better, as agreed upon by the Lender Agent and GMAC Mortgage, or
(ii) an Investor Reporting and Remitting rating from Freddie Mac which equates to Tier 2 or better.

ARTICLE III

CONDITIONS TO EFFECTIVENESS

SECTION 3.1 Amendment Effective Date. This Agreement and the provisions contained herein shall become effective as of the Amendment Effective Date.

ARTICLE IV

NOTICES, ACKNOWLEDGEMENTS, CONFIRMATION AND REPRESENTATIONS

AND WARRANTIES

SECTION 4.1 Notice.
Each party hereto hereby acknowledges timely notice of the execution of this Agreement and of the transactions and amendments contemplated hereby. Each party hereto hereby waives any notice requirement contained in the Loan Agreement or the Facility
Documents with respect to the execution of this Agreement.

SECTION 4.2 Reservation of Rights. The Obligors each hereby acknowledge
and agree that none of this Agreement, the making of any loan under the Loan Agreement by GMAC LLC and GMAC LLCs or the Lender Agents consent thereto either before or after the Effective Date shall constitute (w) an approval of the
accuracy of all or any portion of any Borrower funding request or related certification, (x) a waiver or forbearance by GMAC LLC or the Lender Agent under any of the Facility Documents, (y) the acceptance by any Lender or the Lender Agent
of any course of conduct by any Obligor or any other Person or (z) an agreement by GMAC LLC or the Lender Agent to amend any of the Facility Documents without all required approvals or related certification. The Obligors each hereby further
acknowledge and agree that GMAC LLC and the Lender Agent reserve all rights, remedies and options under the Facility Documents to require either Borrower to satisfy in all respects the conditions relating to the making of any loan under the Facility
Documents and each Obligor to perform all of its obligations under the Facility Documents which are then due and owing or are susceptible of performance, as the case may be.

SECTION 4.3 Confirmation of the Facility Documents. The Obligors each hereby acknowledge and agree that, except as herein expressly amended, the
Loan Agreement and each other Facility Document are each ratified and confirmed in all respects and shall remain in full force and effect in accordance with their respective terms. Without limiting the foregoing, each Obligor ratifies and reaffirms
(a) its grant of a security interest in all the Collateral pledged by it, and represents, confirms and agrees that such security interest is a first priority perfected security interest (subject to Permitted Liens) securing all Obligations and
(b) all of its other obligations under the Facility Documents executed and delivered by it. As of the Amendment Effective Date, each reference in the Loan Agreement to this Agreement or in any other Facility Document to the
Loan Agreement shall mean the Loan Agreement as amended by this Agreement, and as hereinafter amended or restated.



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SECTION 4.4 Representations and Warranties. By its signature hereto, each Obligor hereby
represents and warrants that, before and after giving effect to this Agreement, as follows:

(a) Its representations and
warranties set forth in the Facility Documents are true and correct as if made on the date hereof, except to the extent they expressly relate to an earlier date; and

(b) No Default has occurred and is continuing.

ARTICLE V

MISCELLANEOUS

SECTION 5.1 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICTS OF LAWS PRINCIPLES (BUT WITH REFERENCE TO
SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW, WHICH BY ITS TERMS APPLIES TO THIS AGREEMENT).

SECTION 5.2 Execution in
Counterparts. This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original (whether such counterpart is originally
executed or an electronic copy of an original and each party hereto expressly waives its rights to receive originally executed documents) and all of which when taken together shall constitute one and the same agreement.

SECTION 5.3 WAIVER OF JURY TRIAL. EACH OF THE PARTIES HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO A TRIAL BY JURY WITH RESPECT TO ANY LEGAL
PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT.

SECTION 5.4 Entire Agreement. This Agreement, the Loan Agreement and the
other Facility Documents embody the entire agreement and understanding of the parties hereto and supersede any and all prior agreements, arrangements and understanding relating to the matters provided for herein.

SECTION 5.5 Captions. The various captions in this Agreement are included for convenience only and shall not affect the meaning or interpretation
of any provision of this Agreement.

SECTION 5.6 Severability. If any provision of this Agreement, or the application thereof to any
party or any circumstance, is held to be unenforceable, invalid or illegal (in whole or in part) for any reason (in any jurisdiction), the remaining terms of this Agreement, modified by the deletion of the unenforceable invalid or illegal portion
(in any relevant jurisdiction), will continue in full force and effect, and such unenforceability, invalidity or illegality will not otherwise affect the enforceability, validity or legality of the remaining terms of this Agreement so long as this
Agreement, as so modified, continues to express, without material change, the original intentions of the parties as to the subject matter hereof and the deletion of such portion of this Agreement will not substantially impair the respective
expectations of the parties or the practical realization of the benefits that would otherwise be conferred upon the parties.



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SECTION 5.7 SUBMISSION TO JURISDICTION. EACH PARTY HERETO HEREBY SUBMITS TO THE NONEXCLUSIVE
JURISDICTION OF THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK FOR PURPOSES OF ALL LEGAL PROCEEDINGS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY. EACH PARTY HERETO IRREVOCABLY WAIVES,
TO THE FULLEST EXTENT PERMITTED BY LAW, ANY OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF THE VENUE OF ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT AND ANY CLAIM THAT ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT HAS BEEN BROUGHT IN AN
INCONVENIENT FORUM. EACH PARTY HERETO HEREBY CONSENTS TO PROCESS BEING SERVED IN ANY SUIT, ACTION OR PROCEEDING WITH RESPECT TO THIS AGREEMENT, OR ANY DOCUMENT DELIVERED PURSUANT HERETO BY THE MAILING OF A COPY THEREOF BY REGISTERED OR CERTIFIED
MAIL, POSTAGE PREPAID, RETURN RECEIPT REQUESTED, TO ITS RESPECTIVE ADDRESS SPECIFIED AT THE TIME FOR NOTICES UNDER THIS AGREEMENT OR TO ANY OTHER ADDRESS OF WHICH IT SHALL HAVE GIVEN WRITTEN OR ELECTRONIC NOTICE TO THE OTHER PARTIES. THE FOREGOING
SHALL NOT LIMIT THE ABILITY OF ANY PARTY HERETO TO BRING SUIT IN THE COURTS OF ANY JURISDICTION.

[REMAINDER OF PAGE INTENTIONALLY LEFT
BLANK]



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IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by their respective officers
thereunto duly authorized, as of the date first above written.



RESIDENTIAL FUNDING COMPANY, LLC,as BorrowerBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant TreasurerGMAC MORTGAGE, LLC, as
BorrowerBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant Treasurer






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GMAC LLC, as Lender Agent and as Initial
LenderBy:

/s/ David C. WalkerName:

David C. WalkerTitle:

Group Vice President and Treasurer




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Acknowledged and Agreed:RESIDENTIAL CAPITAL, LLC, as
GuarantorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

Assistant TreasurerGMAC RESIDENTIAL HOLDING COMPANY, LLC, as
GuarantorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant TreasurerGMAC-RFC HOLDING COMPANY, LLC, as GuarantorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant TreasurerHOMECOMINGS FINANCIAL, LLC, as GuarantorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant Treasurer






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Acknowledged and Agreed:RESIDENTIAL MORTGAGE REAL ESTATE HOLDINGS,
LLC, as ObligorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant TreasurerRESIDENTIAL FUNDING REAL ESTATE HOLDINGS,
LLC, as ObligorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant TreasurerHOMECOMINGS FINANCIAL REAL ESTATE HOLDINGS,
LLC, as ObligorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant TreasurerEQUITY INVESTMENT I, LLC, as
ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerDEVELOPERS OF HIDDEN SPRINGS, LLC, as
ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

Treasurer






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DOA HOLDING PROPERTIES, LLC,as ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerRFC ASSET HOLDINGS II, LLC, as
ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerPASSIVE ASSET TRANSACTIONS, LLC, as ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerGMAC MODEL HOME FINANCE I, LLC, as ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerEQUITY INVESTMENT IV, LLC, as
ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

Treasurer






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AMERILAND, LLC,as ObligorBy:

REG-PFH, LLC, its sole memberBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerREG-PFH, LLC, as
ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerHOME CONNECTS LENDING SERVICES, LLC, as
ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerMINT I, LLC, as ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerMINT I VFN HOLDINGS, LLC, as
ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerGMACR MORTGAGE PRODUCTS, LLC, as ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

Treasurer






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DITECH, LLC,as ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerRESIDENTIAL CONSUMER SERVICES, LLC, as
ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerGMAC MORTGAGE USA CORPORATION, as ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerRESIDENTIAL FUNDING MORTGAGESECURITIES I, INC., as ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

Treasurer






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RFC ASSET MANAGEMENT, LLCas ObligorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerRFC SFJV-2002, LLC, as
ObligorBy:

RFC ASSET MANAGEMENT, LLC, its sole
memberBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

TreasurerRCSFJV2004, LLC, as
ObligorBy:

RFC ASSET MANAGEMENT, LLC, its sole
memberBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

Treasurer