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Sample Mortgage Hardship Letter

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    Looking for sample mortgage hardship letter? Our template is designed in such a manner that the writer finds it easy to compose the letter.

    If it is tough to pay your mortgage payments in time due to some unwanted happenings, then you have to write the hardship letter to the bank or the mortgage company about your problem in full details with proof.

    You should ask your bank to alter your loan plan so that you can pay later. You should briefly describe your disability and your wish to keep the house of your own.

    Include your family finance details and the unfortunate thing that caused you to delay the payment in the mortgage hardship letter.

    The letter should point out your needs sharply and clearly. You can explain your loan modification plans and ask their help for that type of modification to your convenience. You may refer to the sample loan modification hardship letter as below.

    Sample Loan Modification Hardship Letter


    (Street Address)
    (City, State, Zip Code)
    (Mortgage Number)

    The Manager,
    (Creditor Name)
    (Creditor Street Address)
    (City, State, Zip Code)

    Subject: Disability to pay the mortgage payment due to unemployment.

    Dear Sir / Madam,

    I, (name) am not able pay the mortgage payments according to the monthly installments due to my unemployment from the month (name of the month) to the month (name of the month). I will join the new job at (date and the month details).

    After that I will pay the installments correctly so please modify my plan accordingly to save my property. Please go through my payment details where I pay for (number of years) years correctly without fail.

    So please trust me and change my payment plan and I included my job details and salary details. Please modify my payment plan and I will be thankful to you throughout my life time.

    Thank you.

    Yours Faithfully,



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