Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. We truly hope that you will consider working with us and we are anxious to get this settled so we all can move on.Our goal is to give you the tools and confidence you need to improve your finances. 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. Our situation has got better because (reason here) and we feel that a loan modification would benefit us both. (The approximate date of hardship and we believe that our situation is Temporary or will be Permanent.) But at this time we have exhausted all of our income and resources so we are turning to you for help. It is our full intention to pay what we owe. Now, it’s to the point where we cannot afford to pay what is owed to (lender). 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. Our number one goal is to keep our home and we would really appreciate the opportunity to do that. 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. I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage.
Get started with your hardship letter by simply filling out the fields below Learn More: Writing a Good Hardship Letter It is important that you include actual examples of hardship and any plans you have for the future.
The purpose of the letter is to describe why the borrower may not be able to make their mortgage, car loan, or other debt payments. If you are looking to request a loan modification, your lender will most likely ask you to write a hardship letter. Free Financial Hardship Letter Sample and Template
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