"Hardships" & Mortgage Loan Modifications
Hardship Examples for Loan Modifications
Resources & Information for Loan Modification

Hardship Letter Guideline
Outline for Effective Hardship Letter to your Lender


Your hardship letter helps the lender or servicer evaluate your situation and find the appropriate solution based on your intent, income, loan and circumstances. Your letter should:

1. Include all borrowers' names, loan number, and property address up front and center so the servicer/lender can locate your loan easily.

2. State your intent: do you want to keep your home or not?

3. Explain clearly the reason you cannot meet your monthly mortgage obligation.


For example:

"In June of 2007, I lost my job. Over the months of July, August and September I struggled to make my monthly payment, but still succeeded. When the interest rate increased on my adjustable loan, in spite of budgeting and cutting down on any unnecessary expenses, I was no longer able to make the payment…"

Also, state whether your hardship is temporary or permanent.
For example, if you lost your job and have now regained employment, it is a temporary hardship.
Can you resume paying the same amount you paid prior to the hardship?

State clearly how, when and where you want to be reached.

Be clear and concise — describe your situation, but don't make it too long.



Hardship letters present you and your circumstances to the lender or servicer.  Make sure to provide a clear and understandable explanation.



Sample Hardship Letter
Name: (Your Name)
Address: (Your Address)
Lender Name: (Your Lender)
Loan #: (your Loan #)

To Whom It May Concern:

I am writing this letter to explain my 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 the opportunity to do that.

The main reason that caused us to be late is (insert reason here and don’t be too lengthy and long winded) 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.)
Our situation has got better because (reason here) and we feel that a loan modification would benefit us both. We would appreciate if you can work with us to lower or delinquent amount owed 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.


Sincerely and Respectfully,
Borrower’s Signature
Date
Co-Borrower’s Signature


.




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Consumer notice: The information and resources presented on this Web site are not to be taken as legal advice. Legal advice must be tailored to the specific circumstances of each case. Every effort has been made to assure that this information is up-to-date as of the date of publication. It is not intended to be a full and exhaustive explanation of the law in any area. This information is not intended as legal advice and may not be used as legal advice. It should not be used to replace the advice of your own legal counsel.


This website provides a free service to homeowners looking for loan modification help under government programs and is not a government website.
Free service for home loan modification is limited to information about home loan modification and free online analysis for home loan modification. Free online analysis for home mortgage loan modification to determine how much you could save.  Free information and service to qualify for loan modifications under the help for homeowners plan will help you learn about the loan modification programs available today. We are a fee based service but pre qualifying for loan modification is free.  It is a free loan modification analysis which can determine if  you can benefit with our loan modification service. Free loan modification services are available, read about Free loan modification services and programs here.  Guaranteed results with our loan modification service. When it comes to negotiating home mortgage rates for loan modifications we're experienced professionals . Due to the high volume of applications for home loan modification lenders are so busy that it can be almost impossible for a homeowner to get results on their own. Using a fee based service such as ours gives a tremendous benefit to homeowners seeking loan modifications. Many lenders have specialized representatives for loan modification companies such as ours.Enjoy lower monthly mortgage payments and lower home mortgage interest rate with loan modification.  Since we work with lenders on a regular basis, we are able to negotiate home mortgage loans to your best advantage. This means you have an increased chance to succeed with reducing home mortgage interest rate and payment by using our loan modification service.  Explore the possibilities of loan modification and see what the home loan modification program could do for you. Submit our online form for free analysis. It's just a few questions and only takes a minute. Be sure to provide correct information in your contact details and a representative will follow up on your mortgage loan modification analysis results.  When you have the results you can decide if it's worth it to you to proceed.  Experience tells us that you'll be happily surprised with the results from using our service for your loan modification. With the lower interest rate programs available  you can't wait another day. We do not give legal advice, contact an attorney if you  need legal assistance.




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Prior to the Obama Mortgage Plan, lending guidelines made it nearly impossible for struggling borrowers to access lower interest rates through refinancing and home mortgage loan modification was unheard of. The Obama Mortgage Plan has changed lender guidelines and provided incentives for lenders to refinance loans at low or no cost to borrowers. Homeowners  are encouraged to take advantage of the special refinance programs and home mortgage loan modification programs or other home loan modification plans offered under the  Obama Mortgage Plan.
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Hardship letters and hardship guidelines. Hardships are cause for loan modifications Under the  Obama  Mortgage Loan Modification Plan.   Learn About "Hardships" and the Mortgage Bail Out Plan for Homeowners Resources about the new housing bill, home stabilization and information about the mortgage loan modification programs. Information about  hardships and how to get your loan modified due to your hardship conditions.
Information about loan modification programs...Do you have a hardship? Help for homeowners is here.
Could loan modification help you? What IS Loan Modification? Find out here.
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