A hardship letter to mortgage company is a tool that allows you to communicate your financial difficulties and request leniency.

It is a crucial document that can help you avoid foreclosure and negotiate a modified payment plan with your lender.

However, writing an effective hardship letter requires a professional tone, clarity, and a sincere explanation of your circumstances.

In the course of life, unforeseen circumstances such as job loss, medical emergencies, or other financial hardships may arise, making it challenging to meet mortgage obligations. In such situations, writing a hardship letter to your mortgage company can be a viable solution. This letter serves as a formal request for assistance, explaining the reasons for your financial hardship and proposing a plan to resolve the situation.

The first step in writing a hardship letter is to clearly state your current financial situation. This includes detailing the specific hardship you are experiencing. Whether it's a job loss, a divorce, a reduction in income, a medical emergency, or any other significant life event that has affected your ability to pay your mortgage, it's essential to be clear and concise.

Next, it's crucial to explain how this hardship has affected your ability to meet your mortgage obligations. This could involve detailing how your income has decreased, how your expenses have increased, or how an unexpected event has drained your savings. The goal is to provide a clear picture of your financial situation to your mortgage company, helping them understand why you are unable to meet your mortgage payments.

In your hardship letter, it's also important to outline your plan to get back on track. This could involve a request for a loan modification, a short sale, or a temporary pause on your payments. Be specific about what you are asking for and how it will help you regain your financial footing.

The tone of your hardship letter should be professional. While it's important to convey the seriousness of your situation, it's equally important to maintain a respectful and professional tone. Avoid blaming the mortgage company for your situation or making unreasonable demands. Instead, focus on presenting your case clearly and professionally, demonstrating your commitment to resolving the situation.

A hardship letter to mortgage company is a critical tool when you're facing financial difficulties. It allows you to communicate your situation, request assistance, and propose a plan to resolve your financial issues. By clearly stating your hardship, explaining its impact on your ability to pay your mortgage, outlining your plan for resolution, and maintaining a professional tone, you can increase your chances of receiving the assistance you need.

It's always advisable to seek legal or financial advice before writing a hardship letter. Professionals can provide guidance on how to effectively communicate your situation and negotiate with your mortgage company. With the right approach, a hardship letter can be a lifeline in a time of financial hardship.

Writing a professional hardship letter to a mortgage company can be a crucial step in explaining your financial difficulties and seeking assistance to avoid foreclosure or resolve payment issues. Here's a comprehensive guide to crafting an effective hardship letter:

Format and Structure:

  • Keep the letter concise, typically one page in length.
  • Use a formal business letter format with your contact information, the mortgage company's contact information, date, and a proper salutation.
  • Use a professional font and maintain a formal tone throughout.

Opening Paragraph:

  • Mention your full name, mortgage account number, and property address to help the company identify your account.Clearly state the purpose of the letter, which is to explain your financial hardship related to the mortgage.

Explain the Hardship:

  • Be honest and straightforward without going into unnecessary personal details.
  • Provide a brief but detailed explanation of the hardship you are facing. Common hardships include loss of income, medical emergencies, job loss, divorce, natural disasters, or other unexpected events.

Impact on Finances:

  • Include specific details, such as reduced income, increased expenses, or any other factors that have made it challenging to make timely payments.
  • Clearly describe how the hardship has affected your financial situation, making it difficult for you to meet your mortgage obligations.

Actions Taken:

  • If you've already made partial payments or if you're expecting changes that could improve your financial situation, mention those as well.
  • Outline any steps you have taken to mitigate the situation, such as seeking new employment, reducing expenses, or exploring assistance programs.

Supporting Documentation:

  • Clearly label and organize the documents to make it easy for the mortgage company to review.
  • Attach relevant supporting documents to validate your claims, such as pay stubs, medical bills, termination letters, or other financial statements.

Request for Assistance:

  • Be respectful and reasonable in your request, and demonstrate a genuine commitment to resolving the issue.
  • Clearly state what specific assistance you are seeking from the mortgage company. This could be a loan modification, forbearance, repayment plan, or any other relevant option.

Closing Paragraph:

  • Provide your contact information and request a response in writing or through your preferred communication method.
  • Express gratitude for the mortgage company's consideration and assure them of your commitment to resolving the situation.


  • Before submitting the letter, carefully proofread it for any grammar or spelling errors. A well-presented letter demonstrates professionalism.

Remember, the goal of the hardship letter is to show that your financial difficulties are genuine and that you are seeking a viable solution to keep your mortgage on track. Be sincere and transparent in your communication, as it can greatly influence the mortgage company's decision to offer assistance.


(Your Name)
(Your Address)
(City, State, Zip Code)
(Your Email Address)
(Your Phone Number)
(Today's Date)

(Recipient's Name)
(Mortgage Company Name)
(Mortgage Company Address)
(City, State, Zip Code)

Subject: Hardship Letter for Mortgage Assistance

Dear (Recipient's Name),

I am writing this letter to bring to your attention the financial hardship I am currently experiencing, which has made it challenging for me to fulfill my mortgage obligations promptly. I am earnestly seeking your understanding and assistance to explore potential solutions and avoid any adverse impact on my mortgage.

I have been a responsible homeowner and diligently met my mortgage payments in a timely manner until (mention the date or period when the hardship began). However, unforeseen circumstances have severely affected my financial situation, making it increasingly difficult to maintain the current payment schedule. The primary reasons for my hardship are as follows:

(Explain the primary reason for the hardship, e.g., loss of employment, reduction in working hours, medical emergency, divorce, unexpected expenses, etc.)

(If applicable, provide additional reasons that contribute to your financial hardship, such as increased medical costs, prolonged job search, or any other relevant factors.)

The impact of these hardships on my financial stability has been significant, and I have been struggling to make ends meet. As a responsible homeowner, it is my utmost priority to resolve this situation and continue my commitment to homeownership.

To address this hardship, I have taken several proactive steps to improve my financial situation, including:

(Mention any efforts made to secure new employment, enroll in job training programs, or seek additional sources of income.)

(Explain any adjustments you have made to your budget and expenses to optimize your financial position.)

(If applicable, describe any support you may be receiving from family or friends to help alleviate the hardship.)

Considering the circumstances, I am respectfully requesting your assistance and understanding in exploring potential options to help me navigate this difficult period. I am open to discussing the following possibilities:

(Mention specific assistance options you would like to explore, such as loan modification, forbearance, repayment plan, or any relevant programs your mortgage company offers.)

(If applicable, include any relevant documents or financial statements to support your request.)

I sincerely hope that by working together, we can find a viable solution that allows me to resume regular mortgage payments and avoid any foreclosure proceedings. I am committed to maintaining open communication throughout this process and providing any additional information that may be necessary.

I kindly request a written acknowledgment of the receipt of this letter and an approximate timeframe within which I can expect a response. I believe that resolving this hardship will not only be beneficial for me but also align with the interests of the mortgage company.

Thank you for your attention to this matter. Your understanding and support during this challenging time are greatly appreciated.


(Your Signature)

(Your Name)

Return to top of this page

Return from free hardship letter to mortgage company to Home page.

DISCLAIMER: The law will vary depending on your state, jurisdiction and the specifics of your case. The information provided by USAttorneyLegalServices.com is intended for educational purposes only. The content on this site should NOT be considered professional legal advice or a substitute for professional legal advice. For such services, we recommend getting a free initial consultation by a licensed Attorney in your state.

black bar HARD
Copyright © 2023 LAWHOOD.com - All Rights Reserved.

free page hit counter