Hardship Letter Template

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Hardship Letter Template
[Your Name]
[Street Address]
[City, St Zip]
[Optional – Account Number]
[Today’s Date]
[Name of Recipient]
[Title]
[Company]
[Address]
[City, St Zip]
Dear [Name of Recipient]: (or To Whom It May Concern)
[Begin by explaining that you are writing this letter to explain why you are delinquent on your
mortgage and your desire for them to assist you with modifying your loan.]
[Explain the reason why you are behind on your mortgage. Indicate whether you have exhausted
all your resources and your intensions for the future.]
[Indicate your desire to keep your home and why a loan modification would be of value. Ask
them to consider you for a loan modification including modification to the delinquent amount
and/or monthly payment. ]
[Thank them for their time and consideration.]
Sincerely (or Respectfully Yours),
(Sign here for letters sent by mail or fax)
[Typed Name]

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