Fillable Printable Hardship Letter Samples
Fillable Printable Hardship Letter Samples

Hardship Letter Samples

VISTA REALTY INVESTMENT, INC
4905 E. COLONIAL DR. ORLANDO, FL 32803
PHONE: 4078955757 FAX: 4078955787‐‐‐‐
Sample: “Loan MOD” Letter of Hardship
Name: (You’re Name)
Address: (You’re Address)
Lender Name: (You’re Lender)
Loan#: (Your Loan #)
To Whom It May Concern:
I/We are writing this letter to explain an 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 an
opportunity to do that.
The main reason that caused us to be late is (insert reason here, keeping it short and concise).
Soon after being late and our income not being nearly enough, we had 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.
(The approximate date of hardship and we believe that our situation is Temporary or will be
Permanent.)
Oursituationhasgotbetterbecause(reasonhere)andwefeelthataloanmodificationwould
benefitusboth. Wewouldappreciateifyoucanworkwithustolowerourdelinquentamount
and/or payment so we can keep our home and also afford to make amends with your firm.
We truly hope that you will consider working with us and we are anxious to get this settled so we
all can move on.
Respectfully,
(Borrower’s Signature) Date
(Co-Borrower’s Signature) Date
Property Address

VISTA REALTY INVESTMENT, INC
4905 E. COLONIAL DR. ORLANDO, FL 32803
PHONE: 4078955757 FAX: 4078955787‐‐‐‐
Sample: “SHORT SALE” Letter of Hardship
(Date)
(Lender Name)
(Lender Address)
(Lender's fax number)
RE: Hardship Letter - Short Sale for (your address)
Dear Mortgagor:
Since last (month) I am experiencing financial difficulties due to (layoff, medical problem).
Afterhavingmycurrentfinancialsituationcarefullyanalyzed,Ihaveconcludedthatitisno
longer possible to comply with the original terms of the agreement. I have no choice but ask you
for your help on avoiding the foreclosure of my family’s home.
Due to the dropping of home prices that have affect the entire country in the last year, I currently
owe more on my mortgage than my home is actually worth.
Please consider allowing me into your Short Sale Program so that we can lower the price and sell
thehousequicklybeforeitgoesintoforeclosure.Thiswillallowmetosettlemyfinancial
obligationtoyouandhaveachancetogetbackonmyfeet,withouthavingtofilefor
bankruptcy.
Pleaseunderstandthatfinancialhardshipscanoccurandmanytimesit‘snotachoice.Ideeply
appreciate your help in thismatter. If you have any questions,or need anything further from me,
you can contact me at (your phone # with area code.)
Iamenclosing2recentbankstatements,last2year'softaxreturns,afinancialstatement,and
last2paystubsforallworkingborrowers.Authorizationtodisclosepersonalinformationto
Vista Realty Investment, Inc has also been attached.
I,(yourname),statethattheinformationprovidedaboveistrueandcorrecttothebestofmy
knowledge.
Sincerely,
(Home Owner Name)
(Address)
(Account number)