Exhibit 10.20
 Joinder Agreement
 Section 16 Pledge and Security Agreement
 Section 11(a)(xv)
 GMAC Model Home GMAC Home Services New Equity Pledgors Annex A
 Annex B Annex A




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##### 



GMAC HOME SERVICES, LLCBy:
    /s/ James N. YoungName:
    James N. YoungTitle:
    Chief Financial OfficerGMAC MODEL HOME FINANCE I, LLCBy:
    /s/ David FlavinName:
    David FlavinTitle:
    Chief Financial Officer




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##### 



ACKNOWLEDGED AND AGREEDas of the date first above written:U.S. BANK NATIONAL ASSOCIATION,as TrusteeBy:
    
    /s/ Raymond S. Haverstock

Name: Raymond S. Haverstock
Title: Vice PresidentWELLS FARGO BANK, N.A.,as Third Priority Collateral AgentBy:
    
    /s/ Alfia MonastraName: Alfia Monastra
Title: Vice President




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##### 



Description of Collateral
   Item A Attachment I
  Item
D Attachment I
   Item B Attachment I Annex B




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##### 



provided Collateral Annex A




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##### 



Updated Information to Schedules I-VIII and Attachment I  to Pledge and Security Agreement and Irrevocable Proxy
  GMAC HOME SERVICES, LLC
 
 GMAC MODEL HOME FINANCE I, LLC
 
   GMAC HOME SERVICES, LLC
  GMAC MODEL HOME FINANCE I, LLC




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##### 



Jurisdiction ofIncorporationParent
    
    Subsidiary
    
    (Subsidiary)GMAC Home Services,
LLC
    
    GMAC Global Relocation Services, LLC
    
    DelawareGHS Metro NY, Inc.
    
    DelawareFort Dearborn Land Title Company
    
    DelawareReferral Network of IL, LLC
    
    DelawareKoening & Strey, LLC
    
    DelawareKoening & Strey Insurance Agency, LLC
    
    DelawareReferral Network of Pureg, Inc.
    
    DelawareEastern Mass Real Estate, LLC
    
    MAGMAC Real Estate, LLC
    
    DelawareGHS Mortgage, LLC
    
    DelawarePacifico Union Real Estate Group, Ltd.
    
    CAGMAC Model Home
Finance I, LLC
    
    CMH Holdings, LLC
    
    Delaware




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##### 



InterestType of
    
    Interests Owned
    
    
    
    % of Interests ofPledged Interests Issuer
    
    Interests
    
    by Pledgor
    
    Pledgor
    
    Pledgor PledgedGMAC Global Relocation 
Services, LLC
    
    Limited Liability
Company
    
    
    100
    %
    
    GMAC Home Services,
LLC
    
    
    100
    %DOA Properties III
(Models), LLC
    
    Limited Liability
Company
    
    
    100
    %
    
    DOA Holding
Properties, LLC
    
    
    100
    %DOA Properties IIIB
(KB Models), LLC
    
    Limited Liability
Company
    
    
    100
    %
    
    DOA Holding
Properties, LLC
    
    
    100
    %DOA Properties V
(Lots-CA), LLC
    
    Limited Liability
Company
    
    
    100
    %
    
    DOA Holding
Properties, LLC
    
    
    100
    %DOA Properties VII
(Lots-NV), LLC
    
    Limited Liability
Company
    
    
    100
    %
    
    DOA Holding
Properties, LLC
    
    
    100
    %DOA Properties IX
(Lots-Other), LLC
    
    Limited Liability
Company
    
    
    100
    %
    
    DOA Holding
Properties, LLC
    
    
    100
    %DOA Properties VIII
(Marbella Lakes), LLC
    
    Limited Liability
Company
    
    
    100
    %
    
    DOA Holding
Properties, LLC
    
    
    100
    %DOA Properties IV, 
LLC
    
    Limited Liability
Company
    
    
    100
    %
    
    DOA Holding
Properties, LLC
    
    
    100
    %CMH Holdings, LLC
    
    Class B
Junior
Preferred
Units
    
    
    100
    %
    
    GMAC Model
Home Finance I,
LLC
    
    
    100
    %