Hardship Letter Example


If you’re struggling to make your mortgage payments and facing the possibility of foreclosure, you don’t have to go it alone. Our legal professionals are experts in negotiating loan modifications with lenders to help reduce your monthly payment, extend your loan term, or even forgive a portion of your loan balance.

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Free case evaluation and consultation.

We can only help borrowers who have a loans with  institutional lenders.
We do not offer services to homeowners who are not behind on their mortgage.  Come back if you fall behind.

Writing a hardship letter can be a complex and confusing process, but it’s a critical step in the loan modification process. That’s why we’ve provided a sample hardship letter to help guide you. However, if you’re feeling overwhelmed and don’t have the time or expertise to handle the complexities of a loan modification, we’re here to help.

At the Mortgage Help Center, our goal is to empower you with the information and resources you need to make informed decisions about your mortgage situation. That’s why we offer a free consultation and case evaluation service. Our legal professionals will review your case and help determine if you qualify for a loan modification.

Don’t wait, take advantage of our free consultation and case evaluation service today. Fill out the short form on the website to get started and take the first step towards a more affordable and sustainable mortgage payment. With our help, you can get back on track and have peace of mind knowing that you have the support of the Mortgage Help Center.

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]