How to write a mortgage hardship letter to a mortgage company.

When contacting your mortgage lender about delinquency mortgage by mail the best option is to keep it brief and to the point.

Please keep in mind the sample mortgage hardship letter bellow is only to be used as a guide.

You must delete any information that is not relevant to your situation and insert your own details where necessary.

Here's a sample hardship letter to send to mortgage companies.


(Company's representative)
(Company's Name)
(Company's Address)
(Company's phone number)

RE: (home address)
Account number: (#)

Dear (Ms/Mr. Brown:)

We have purchased our family’s home in (date).

Since then, as you know, our country has experienced one the biggest housing market crashes in history. This, combined with the rising food and gas prices and current slow down in the economy, has affected our ability to pay our bills on time.

Our adjustable interest rate mortgage payment has increased from ($) to ($) since we first purchased the house making it especially hard to keep it current. And in the last couple of years our home has lost about (55%) of it’s value making it difficult to refinance it since the equity we once had is now gone.

In the last 3 months our family’s economic situation has gotten even worse because (explain what caused the financial hardship. Ex: job lay-off, death in the family, medical emergency,...) and we can no longer afford the new payments.

At this point we are trying to avoid foreclosure and/or bankruptcy and would like to discuss with you the possibility of getting a (short sale, loan modification, refinance, repayment plan, reinstatement, forbearance, deed in Lieu) that could be beneficial for both parties.

Enclosed, please find copies of the our financial statements. (include documents that offer proof of financial hardship: Copies of any unpaid bills and/or late notices you have received in the last 6 months. Including: credit cards, car payments,...Past 2 months of Proof of Income. Including: paycheck Stubs, social security,... Last quarter’s profit and loss statement if self-employed, Past 2 years of income tax returns, and last 3 months of bank account statements.)

We truly appreciate any effort you can make to help our family through this situation.

I/we, (Home Owner Name/Co-signer Name), state that the information provided above is true and correct to the best of my/our knowledge.


(Home Owner Name)
(Co-signer Name)
(Home Owner Address)
(Account #)

Here's another Sample Mortgage Hardship Letter

How to write a Hardship Letter

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Mortgage Hardship Letter
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