1 - Be professional yet personal enough to help the lender understand your economic situation.

2 - Make it legible and easy to read (use a typewriter or a computer to print it).

3 - Provide all your contact information (name, address, phone #, email)

4 - Also include the mortgage reference details or your account number.

5 - Always send it using registered mail.

(Date)

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

RE: (home address)
Account number:

Dear (Ms/Mr. Collins:)

I am writing this letter to ask you to give us the opportunity to keep our family's home which is our number one priority at this time.

Lately, I've fallen behind on my mortgage and personal loans because (explain the circumstances how you have fallen into financial hardship.: loss of job, illness, death of family member, business failed, natural tragedy,...)

In the effort to make ends meet, we have even organized a garage sale for some of our personal property, furniture, and other items.

I want to take this opportunity to ask for a loan modification under the Make Home Affordable stimulus program by the federal government. It is my true belief that I will be able to afford a lower mortgage payment and keep my family in our home.

Enclosed, please find documentation that will prove my current economic hardship. (Attach medical bills, mortgage payments, paycheck stubs, welfare, social security disability.)

If all our efforts to keep our home failed I hope we can avoid foreclosure and work out a short sale of our beautiful, nicely kept home, so a new family will have the chance to enjoyed it.

Please reply to this letter at your earliest convenience, so we will know what steps to take from now.

Sincerely yours,

_____________________
(Homeowner Name)
(Co-signer Name)
(Homeowner Address)
(Homeowner Email)

How to write a hardship letter.

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