Hardship Letter Example

Dear [Lender],

I am writing to request a loan modification for my mortgage [loan number:XXXXXXXXXX] on [property address]. I have fallen on hard times and am struggling to make my monthly payments.

[Explain your financial hardship, including any relevant details such as job loss, medical bills, or divorce.]

I am committed to finding a solution that will allow me to keep my home and get back on track with my mortgage payments. I am hoping that a loan modification can provide some relief and help me get back on track.

[Include any specific requests for a loan modification, such as a lower interest rate or extended repayment terms.]

I understand that a loan modification is not a guarantee, but I hope that you will consider my circumstances and work with me to find a solution. I am willing to provide any additional information or documentation that you may need to process my request.

Thank you for your time and consideration. I look forward to your response.

[Your name]