Home Saver's Blog


How to write a Hardship Letter



Most people facing foreclosure think when writing a hardship letter, they need to make it as detailed as possible and end up writing a letter that is 2 to 3 pages long. Lender's do not want to spend a lot of time reading about your hardship. Which in turn means, you don't have to think so hard or spend hours writing a long letter. All they need are the basics. Below, I have a sample hardship letter that should help you when writing yours.




Sample Hardship Letter

Dear Mr. Smith:
The purpose of this letter is to explain the circumstances that have prevented us from
paying our mortgage. We have done everything we can to remedy this situation, but we
still do not have enough money to pay (insert lender’s name here) what we owe.

The main reason why we are late in paying our mortgage is (provide brief explanation
here including the approximate date of the hardship). As a result, we have fallen behind
in making our regular mortgage payment to (insert lender’s name here).

We regret this situation, but at this time we do not have the funds and are seeking your help.
Our home means a great deal to us and we are willing to do whatever we can to avoid
losing it through foreclosure. We are anxious to settle this matter and would appreciate
very much receiving a prompt response.

Respectfully yours,
Borrower’s Signature
Co-Borrower’s Signature

NOTE : If you found this information useful, please leave a comment. Thank you :-)


If you have already tried to work with your lender and find you are getting nowhere or they have turned you down for reasons you think are absurd, feel free to contact me. I will offer advice and try to let you know what your options are based on your unique situation.

You may also find these blogs helpful:

How to Avoid Loan Modification / Loss Mitigation Scams

Loan Mitigation Services FAQ's

Investors Facing Foreclosure

Why won't my lender won't work with me?

How to Prevent Foreclosure on Your Investment Property


C Thompson



Pre-Approval Loan Modification Application


C Thompson

Account Manager

Call me: 

Fax: 206-203-1890

Email me: keepyourproperty911@gmail.com


Comment balloon 4 commentsC. Thompson • March 24 2009 09:53PM


Excellent info and thank you for the hardship letter template.  Many people agonize over the hardship letter, this will surely simplify it.

Posted by John Secor (EXIT Real Estate Results) about 10 years ago

Thank you very much for that sample letter. We are beginning to see more of these in our area, and have been trying to research all I can on the subject of short sales. Seems like the further I dig, the less is certain about the process. Seems to be pretty much no "chiseled in stone" guidelines to the process and every one just pretty much winging it. The thing that scares me big time about short sales is the "fake it till you make it" mentality can sure come back to bite you big time. If any one has suggestions on the best places to find information, I would appreciate the help.  

Posted by Jim Palmer, Washington County, Florida (Chipola Realty - Chipley Office (850) 638-2777) about 10 years ago

John- You are absolutely right. That is why I posted this blog. Many people are misunderstood when you ask for a "hardship letter".



Posted by C. Thompson, Loss Mitigation Cases (Loan Modification) about 10 years ago

Jim- Short Sales ..... Hmmm I will see what I can find for you and keep you posted. Thanks for commenting!:)

Posted by C. Thompson, Loss Mitigation Cases (Loan Modification) about 10 years ago