Sample Hardship Letter

This is a format of  hardship letter template. It is recommended that you change the content of this letter in order to meet your purpose.

Name:
Address:
Lender Name:
Loan #:

To Whom It May Concern:

I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage. We have done everything in our power to make ends meet but unfortunately we have fallen short and would like you to consider working with us to modify our loan. Our number one goal is to keep our home and we would really appreciate the opportunity to do that.

The main reason that caused us to be late is (mention reason(s) here and don’t be too lengthy ) Soon after being late and our income not being nearly enough, we had fallen further and further behind.

Our situation has got better because (mention reason here) and we feel that a loan modification would benefit us both. We would appreciate if you can work with us to lower or delinquent amount owed and or payment so we can keep our home and also afford to make amends with your firm.

We truly hope that you will consider working with us and we are anxious to get this settled so we all can move on.

Sincerely and Respectfully,
Borrower’s Signature

Date
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