If you have been looking for a hardship sample letter, you have hit upon the right page. In the article below, I have included a hardship sample letter that you can easily add to. Before we get to the letter, you might be asking, “What exactly is a hardship letter?”

If you have been unable to pay your mortgage payments and are afraid that you will be dealing with a foreclosure, your first act should be to contact your financial lender or mortgage company right away. You can be sure that they will inform you that you should write a hardship letter to try to stop the foreclosure. They could also call it a hardship letter for a short sale, that is, if a short sale is what you are after. The hardship letter is mainly a letter that you write to your financial lender explaining the reasons why you cannot make your payments as you have in the past. If sounds fairly easy, but do not just think it is and let it go. It is very, very important. The letter might be the most important thing you will ever have to write. This is the one document that you have to try to get your financial lender in putting a stop to the foreclosure. Below, as stated, is the sample:

Full Name – as stated on your mortgage papers

Complete Address

Name of your financial lender

Mortgage Loan Number:

To Whom It May Concern:

I am writing this letter to you to try to explain my recent situation that has caused me to become late on my mortgage payments. I have tried everything within my power to make the current situation work, but I have still found myself short of funds and would like you to consider working with me to do a loan modification or even possibly a short sale on my home. I would really appreciate the chance for us to work together to resolve this matter.

The reason that I have been late has been due to ________________(Put your explanation here. Be concise). With my paycheck not being even close enough, I just keep falling further and further behind on my payments. I have completely ran out of all funds and resources and I am asking you for help in rectifying the situation. I have every intention of paying the back amount that I owe.

*At this point in the letter, you should explain the round about date that the circumstances turned sour and if you believe that the circumstances are long or short term.

I fell that a modification of my loan or possibly a short sale would benefit both of us equally. I would truly appreciate it if we can come to some sort of decision that will help to reduce my monthly payment so that I can possibly remain in my home and also afford to pay the back amount that I owe to you.

I sincerely hope that you can consider working something out with me and I look forward to getting this matter resolved.

Respectfully,

Your  Signature

Date

Please remember that this information that I have given to you is just the beginning. There is much more information available to you and would be very beneficial for you to check out the http://hardshiplettersample.com.