Letter to Mortgage Company Explaining Hardship

Here are 10 short templates for explaining hardship to a mortgage company. We are providing templates for our visitors. Please let us know in the comments if you need any type of template for your needs.

Template 1: Job Loss

Dear [Loan Servicer’s Name],

I am facing a sudden job loss which has affected my ability to make mortgage payments. I kindly request your understanding and potential solutions during this challenging time.

Sincerely, [Your Full Name]

Template 2: Medical Expenses

Dear [Loan Servicer’s Name],

High medical expenses have strained my finances. I am committed to my mortgage and seek your assistance to navigate this temporary hardship.

Sincerely, [Your Full Name]

Template 3: Divorce or Separation

Dear [Loan Servicer’s Name],

I’m going through a divorce, and the financial changes have made my mortgage payments challenging. I appreciate your support as I work through this situation.

Sincerely, [Your Full Name]

Template 4: Family Emergency

Dear [Loan Servicer’s Name],

A family emergency has impacted my financial stability. I hope for your understanding and assistance during this unforeseen hardship.

Sincerely, [Your Full Name]

Template 5: Natural Disaster

Dear [Loan Servicer’s Name],

A recent natural disaster has affected my property and finances. I request your help in navigating this hardship to continue meeting my mortgage obligations.

Sincerely, [Your Full Name]

Template 6: Reduced Income

Dear [Loan Servicer’s Name],

My income has decreased due to circumstances beyond my control. I am committed to resolving this situation and kindly seek your understanding.

Sincerely, [Your Full Name]

Template 7: Unexpected Repairs

Dear [Loan Servicer’s Name],

Urgent home repairs have strained my budget. I am dedicated to managing this situation responsibly and request your support during this hardship.

Sincerely, [Your Full Name]

Template 8: COVID-19 Impact

Dear [Loan Servicer’s Name],

The ongoing pandemic has impacted my ability to make mortgage payments. I appreciate any assistance or solutions you can provide during this difficult time.

Sincerely, [Your Full Name]

Template 9: Pay Cut

Dear [Loan Servicer’s Name],

A pay cut at work has made my mortgage payments challenging. Your understanding and guidance would greatly help me manage this situation.

Sincerely, [Your Full Name]

Template 10: Unexpected Financial Strain

Dear [Loan Servicer’s Name],

Unexpected financial strain has made meeting my mortgage obligations difficult. I kindly seek your understanding and potential solutions during this hardship.

Sincerely, [Your Full Name]