Loan Modification Hardship Letter

Loan modification hardship letter seeks to explain the nature and extent of the hardship of the home-owner and aplogizes to the lender for having to take a loss.

• apologize to the lender


• explain the hardship


• explain what you have done to stay current


• explain nature of hardship and when it will end

Documents supporting hardship

Prove that you have exhausted all possible resources you can think of and are now turning to the lender for help.

Loan modification is your only option left and without it you would be in dire straits.

Ability to afford the house

Though loan modification is hardship based, the borrower has to demonstrate an ability to be able to afford the house. You have to prove to the lender that the hardship is over and if given a reasonable payment, you will be able to afford the house. Also, request the lender to forgive the delinquent amount on the property so that you can keep the home and start making normal payments.

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