Example of a Hardship Letter
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Here is another hardship letter example. As we indicated in the first example the letter must explain why you have gotten behind and why you can now afford your payments again. You must be very specific as to the dates of the Hardship.
This letter is geared toward someone that has had some financial difficulties. It is imperative that you explain how these difficulties have been resolved.
DATE
LENDER NAME
ADDRESS
LOAN NUMBER
Our names are/My name is [NAME] and I’ve/we’ve been paying the mortgage on our home at [ADDRESS] for __ years now. I’m/We’re writing to you to explain why I/we have unfortunately fallen behind on our monthly payments.
Explain your Hardship (Include dates and specific incidents that caused you to get behind, also explain how it has been resolved).
We/I have sat down with my/our family and taken a very hard look at our financial situation and we all have agreed to make the following sacrifices in order to make certain that this situation never happens again.
Explain what steps you have taken to correct your Financial Position (cut back on spending, canceled some things… cable, eliminated activities, met with Credit Counseling services).
My family and I are truly grateful for the opportunity that you’ve given us to own our home and have every intention of keeping it for a long while, as well as making timely mortgage payments to you for it. Our children will grow up here and we hope that our grandchildren will also.
Thank you again and we wish you all the best!
Have everyone in your family sign the letter.
This letter is published as a courtesy of American Foreclosure Specialists. Our passion is to save your home from Foreclosure.
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