Mortgage Hardship Letter Template | Download Sample & Examples

A Mortgage Hardship Letter is a written request from a homeowner to their mortgage lender explaining financial difficulties and asking for modified loan terms. Whether you’re facing job loss, medical expenses, or unexpected emergencies, this letter is your chance to make a compelling case for relief.

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Why Use This Template?

This ready-to-use Mortgage Hardship Letter template simplifies the process of creating a persuasive appeal to your lender. It outlines your financial situation, supports your claim with relevant details, and presents a professional and respectful tone.

Benefits of Using This Template

• Increases chances of mortgage modification approval
• Clearly explains financial hardship with structure and clarity
• Saves time with editable, downloadable format
• Includes examples to help guide your customization
• Reduces stress during a financially difficult time

What Can You Request with a Hardship Letter?

Using this template, you can request:

• Reduction in interest rate
• Loan term extension
• Lower monthly payments
• Forbearance or deferment options

What to Include in Your Letter

To make your request stronger, include:

1. Specific explanation of the hardship (e.g., job loss, illness)
2. List of increased expenses or reduced income
3. Supporting documents such as tax returns, pay stubs, or bank statements
4. Your proposal for how the loan can be modified

Easy to Edit & Customize

This template is fully editable in Word format, making it easy to personalize to your exact circumstances. Whether you’re applying for a mortgage adjustment or forbearance, this letter is your first step toward a solution.Struggling to meet your mortgage payments? Use this professional Mortgage Hardship Letter template to explain your situation clearly, request loan modifications, and increase your chances of approval.