Sample Loan Mod Letter Of Hardship Template

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VISTA REALTY INVESTMENT, INC
4905 E. COLONIAL DR. ORLANDO, FL 32803
PHONE: 407 895 5757 FAX: 407 895 5787
Sample: “Loan MOD” Letter of Hardship
Name: (You’re Name)
Address: (You’re Address)
Lender Name: (You’re Lender)
Loan#: (Your Loan #)
To Whom It May Concern:
I/We are writing this letter to explain an 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 an
opportunity to do that.
The main reason that caused us to be late is (insert reason here, keeping it short and concise).
Soon after being late and our income not being nearly enough, we had fallen further and further
behind. Now, it’s to the point where we cannot afford to pay what is owed to (lender). It is our
full intention to pay what we owe. But at this time we have exhausted all of our income and
resources so we are turning to you for help.
(The approximate date of hardship and we believe that our situation is Temporary or will be
Permanent.)
Our situation has got better because (reason here) and we feel that a loan modification would
benefit us both. We would appreciate if you can work with us to lower our delinquent amount
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.
Respectfully,
(Borrower’s Signature) Date
(Co-Borrower’s Signature) Date
Property Address

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