Exhibit 10.18

EXECUTION COPY

THIRD AMENDMENT AGREEMENT

To Pledge and Security Agreement and Irrevocable Proxy

Dated as of June 1, 2009

by and among

RFC ASSET
HOLDINGS II, LLC,

PASSIVE ASSET TRANSACTIONS, LLC

AND CERTAIN

AFFILIATES THEREOF FROM

TIME TO TIME PARTY HERETO,

as Grantors,

and

GMAC LLC,

as Lender Agent



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This THIRD AMENDMENT AGREEMENT (this Agreement) dated as of June 1, 2009 (the
Amendment Effective Date), is by and among RFC Asset Holdings II, LLC, a Delaware limited liability company (RAHI), and Passive Asset Transactions, LLC, a Delaware limited liability company
(PATI; and together with RAHI, each a Borrower and collectively, the Borrowers); Residential Capital, LLC, a Delaware limited liability company (ResCap), Residential Funding
Company, LLC, a Delaware limited liability company (RFC), and GMAC Mortgage, LLC, a Delaware limited liability company (GMAC Mortgage; and together with ResCap and RFC, each herein a
Guarantor and collectively, the Guarantors), and the other parties hereto as Grantors (each, together with each Borrower and each Guarantor, a Grantor and collectively, the
Grantors); and GMAC LLC, a Delaware limited liability company, as Lender Agent for the Lender Parties.

Reference
is hereby made to the Pledge and Security Agreement and Irrevocable Proxy dated as of November 20, 2008 among the Grantors and the Lender Agent (as amended and modified through the date hereof, the Security Agreement).

RECITALS

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

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

ARTICLE II

AMENDMENTS TO THE SECURITY AGREEMENT

SECTION
2.1 Amendments to Section 1. Section 1 to the Security Agreement is hereby amended by amending and restating the following definitions:

Obligations means obligations, indebtedness, fees, expenses (including, without limitation, attorneys fees and expenses)and liabilities of any ResCap Counterparty or Grantor under any
Specified Document, now existing or hereafter arising under or in connection with the Specified Documents, whether monetary or otherwise, matured or unmatured, direct, indirect, related, unrelated, fixed, contingent, liquidated, unliquidated, joint,
several, or joint and several, and any interest accruing thereon (including any interest that accrues after the commencement of any proceeding by or against any ResCap Counterparty or any



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other Person under any bankruptcy, insolvency, liquidation, moratorium, receivership, reorganization or other debtor relief law) and all attorneys fees
and other expenses incurred in the collection or enforcement thereof; including without limitation (a) the obligations, indebtedness and liabilities of the ResCap Counterparties under the Master Netting Agreement or otherwise pursuant to
the terms of the other Derivative Documents, (b) all other Obligations as defined in the Loan Agreement, (c) all other Secured Obligations as defined in the MSR Loan Agreement, and (d) all other
Obligations as defined in the Credit Agreement.

Permitted Liens means (a) Liens arising under this Agreement or the
other Security Documents, (b) with respect to all Collateral as defined in the November Security Agreement, any Liens permitted under the Loan Agreement, (c) with respect to all Derivative Collateral, any Liens permitted
under the Derivative Documents, (d) with respect to all Collateral as defined in the MSR Loan Agreement, any Liens permitted under the MSR Loan Agreement and (e) with respect to all Collateral as defined in the
Credit Agreement, any Liens permitted under the Credit Agreement.

Secured Parties means (i) GMAC IM, (ii) GMAC LLC, as
lender under the MSR Loan Agreement, (iii) each Indemnified Party under and as defined in the MSR Loan Agreement, (iv) the Lender Agent, for the benefit of the Lender Parties under and as defined in the Loan
Agreement, (v) the Credit Agent, for the benefit of the Lender Parties under and as defined in the Credit Agreement and (vi) any other Person to whom any Obligation is owed.

Specified Documents means (i) each of the Derivative Documents, (ii) each of the November Documents, (iii) each of the MSR
Documents, (iv) each of the Credit Documents and (v) this Agreement.

SECTION 2.2 Amendments to Section 1.
Section 1 to the Security Agreement is hereby amended by inserting the following definitions in the proper alphabetical order:

Credit Agentmeans GMAC LLC, in its capacity as agent for the Lender Parties under and as defined in the Credit Agreement.

Credit Agreement means that certain Credit Agreement, dated as of June 1, 2009, as amended, supplemented, restated or otherwise modified from time to time, among RAHI and PATI, as borrowers, ResCap,
RFC, and GMAC Mortgage, as guarantors, and GMAC LLC, as agent and initial lender, and certain other financial institutions and Persons from time to time party thereto as lenders, pursuant to which the lenders thereunder have agreed to make
loans to RAHI and PATI.



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Credit Documents means the Credit Agreement, the notes issued thereunder by RAHI and PATI as
borrowers thereunder, the Fourth Security Agreement (as defined in the Credit Agreement), and all notices, certificates, financing statements, agreements and other documents to be executed and delivered by RAHI, PATI, ResCap, RFC or
GMAC Mortgage pursuant to the foregoing or otherwise in connection with the Credit Agreement or the extension of financing contemplated thereunder.

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.

SECTION 3.2 Opinions. On or before June 1, 2009, the Obligors shall deliver or cause to be delivered opinions of counsel
to the Borrowers, the Guarantors and Obligors with respect to the transactions contemplated hereby, which opinions shall be in form and substance satisfactory to the Lender Agent.

SECTION 3.3 Other. On or before June 1, 2009, the Obligors shall deliver or cause to be delivered such other documents, including but not
limited to the Obligors board resolutions approving this Agreement, as the Lender Agent may reasonably request, which documents will be in form and substance satisfactory to the Lender Agent.

ARTICLE IV

ACKNOWLEDGEMENTS, CONSENTS,
NOTICE, 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 Security Agreement or the Facility Documents with respect to the execution of this Agreement.

SECTION 4.2
Confirmation of the Security Agreement. The Grantors each hereby acknowledge and agree that the Security Agreement and each other Facility Document (as amended as of the date hereof) 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 Grantor reaffirms its grant of a security interest in all the Collateral pledged by it, and agrees that such security interest
secures all Obligations as defined in the Security Agreement, as amended by this Agreement. As of the Amendment Effective Date, each reference in the Security Agreement to this Agreement or in any other Facility Document to the
Security Agreement shall mean the Security Agreement as amended by this Agreement, and as hereinafter amended or restated.



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SECTION 4.3 Representations and Warranties. By its signature hereto, each Grantor hereby
represents and warrants that, before and after giving effect to this Agreement, as follows:

(a) Its representations and
warranties set forth in the Security Agreement 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 Security 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 IRREVOCABLY SUBMITS TO THE
NONEXCLUSIVE JURISDICTION OF THE COURTS OF THE STATE OF NEW YORK LOCATED IN THE CITY OF MANHATTAN OR IN 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 AND IRREVOCABLY AGREES TO BE BOUND BY ANY JUDGMENT RENDERED THEREBY IN CONNECTION WITH SUCH LITIGATION. 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.



RFC ASSET HOLDINGS II, LLC, as
GrantorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant Treasurer




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PASSIVE ASSET TRANSACTIONS, LLC, as GrantorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant Treasurer




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RESIDENTIAL CAPITAL, LLC, as
GrantorBy:

/s/ John M. PetersonName:

John M. PetersonTitle:

Assistant Treasurer




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RESIDENTIAL FUNDING COMPANY, LLC, as GrantorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant Treasurer




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GMAC MORTGAGE, LLC, as
GrantorBy:

/s/ Melissa WhiteName:

Melissa WhiteTitle:

Assistant Treasurer




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GMAC LLC, as Lender
AgentBy:

/s/ David C. WalkerName:

David C. WalkerTitle:

Business Unit Treasury Executive




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