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Sample Hardship Letter

There are several documents you will need when contacting your lender in order to prevent foreclosure or obtain a loan modification. Probably the first document you will need is a hardship letter. This letter notifies your lender of your current financial situation and the hardship you are facing in making your mortgage payment. It is the proactive method of dealing with your financial situation and helps demonstrate to the lender that you are responsible and willing to work through your hardship. In addition to this letter, you will want copies of financial statements, current bank statements, pay stubs, and your most recent tax return.

Name: (Your Name)
Address: (Your Address)
Lender Name: (Your Lender)
Loan #: (your 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 (insert reason here and don’t be too lengthy and long winded) 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 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
Co-Borrower’s Signature
Date

Foreclosure Help Resources

Foreclosure Prevention

Banks DO NOT want your home. An average foreclosure costs a bank $50,000.00. In this tight credit market, banks can not afford to take back your home. The best option for you, and your lender, is to find a way to avoid foreclosure. Fill out the form above to speak with experts who can help!