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During a loan modification program or workout, your lender or service provider may request that you submit a hardship letter.
Provide details about the hardship – make sure that the reasons are genuine and can be verified.
This sample hardship letter describes a typical hardship case of unemployment and unexpected medical bills. We used the unemployment benefits and our savings to pay our mortgage for the first 3 months but quickly found ourselves unable to make our payments and have fallen further and further behind.


We believe that we are through the worst of these difficult times as I am now fully employed and we only have 2 payments left on our medical bills.
LoanSafe Community - loansafe.org - A collection of information on loans, refinancing and foreclosure. Disclaimer: The content on this page is intended for educational use and not to be construed as legal or professional advice. Neither the service provider nor the domain owner maintain any relationship with the advertisers. This letter is a key document in the effort to avoid foreclosure and outlines the issues that are affecting your ability to pay your mortgage. Keep reading below for a free sample hardship letter for loan modification, tips and links to other resources.


Use it to help you write a letter of hardship for loan modification when working with your mortgage lender. We would appreciate your help in working out a reduction of the amount we owe the bank so we can keep our home. In case of trademark issues please contact the domain owner directly (contact information can be found in whois). This template and the sample hardship letter below are of course only meant to be used as general examples.



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