If you are facing foreclosure than you are well aware of what is at stake, this Hardship Letter if used properly will help you in stopping foreclosure. This is a hardship letter is a blank template and can be used for any hardship including losing your job, medical bills, divorce, death in the family or any other reason that you have had to fall behind on your payments.
Name of Bank/company
Address
Date
Loan Number:
To Whom It May Concern,
I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage. We have done everything in our power to make ends meet but unfortunately we have fallen short and would like you to consider working with us to modify our loan. Our number one goal is to keep our home and we would really appreciate the opportunity to do that.
- How to Stop Foreclosure and Save Your Home
The main reason that caused us to fall behind in our payments is (insert reason here, be short and to the point.) Unable to maintain our income level we found that we have fallen further and further behind. Now, it’s to the point where we cannot afford to pay what is owed to (lender). It is our full intention to pay what we owe. But at this time we have exhausted all of our income and resources so we are turning to you for help.
Our situation has got better because (reason here) and we feel that a loan modification would benefit us both. We would appreciate if you can work with us to lower the delinquent amount owed and or payment so we can keep our home and also afford to make amends with your company.
We truly hope that you will consider working with us and we are anxious to get this settled so we all can move on.
Sincerely and Respectfully,
Mr. & Mrs. ___________________
Signature_____________________
Loan # ______________________
Address______________________
Phone________________________
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