GMAC Inc., the auto and home lender majority owned by the U.S. government, is tying pay for loan officers directly to their success in attracting qualified homeowners after the unit lost more than $7 billion last year. “ResCap implemented a new structure for our mortgage loan officers beginning this month that more closely aligns pay for performance,” Steven Abreu, president of GMAC’s mortgage operations, said in an e-mailed statement. Before, employees were paid for the amount of loans measured in dollars without penalizing them for unqualified applications, Abreu said. GMAC is looking to halt declines at ResCap, whose defaults almost ended in bankruptcy and helped trigger at least three federal bailouts for its Detroit-based parent. Regulators have blamed the mortgage industry’s losses in part on incentive systems that paid fees to brokers upfront without regard to whether applicants were qualified.