Make Your Own Hardship Letter

Only 6 quick and easy steps to your sample hardship letter, customized with your information, for FREE!

Use the following form to build a custom example of a Hardship Letter based on your inputs, designed to accurately and efficiently assemble your information in a way that not only establishes the correct tone and language, but also best describes your situation to the lender representative who will be deciding the merits of your request to participate in a government-backed home loan modification program. Once completed, the hardship letter will be emailed to you at the address you use in the form.

The information you input below will be used to create your detailed hardship letter, it is important to be accurate!

Home Owner Information
First Name: Last Name: Phone: Email: Make sure your email address is correct, this is where we will email the letter!
Property Location Information
Address 1: Address 2: City: State: Zip Code:
Mortgage and Present Status Information
Your Lender: Loan#: Loan Type: Mortgage Payment: Interest Rate: Payment Status:
/ Month  .  %
Balance Owing: Property Value: Monthly Income: Monthly Expenses: Any Savings?:
What is your goal
I want to keep my home
I want to exit my mortgage and move


Please choose the appropriate hardship
From the tabs above, select the hardships that best describe your situation. You may choose as many hardships that apply to your situation. NOTE: You will need to include documentation to support each of the hardships you choose. If you choose too many hardships, you can use the button at the bottom of the form to clear your choices and start again.
Your divorce costs are very high.
You and your spouse can not come to an agreement about expenses.
An income stream or an account is frozen until the settlement.

An injury that will render you unable to earn income for the next 6 - 12 months.
An illness or condition that will render you unable to earn income for the next 6 - 12 months.
Your health has deteriorated sufficiently as to threaten your income for longer than one year.
A member of your family has an illness that will increase expenses for the next 6 - 12 months.
Your spouse who shares the mortgage costs has a long term illness

You have suffered the loss of a relative.
You have suffered the loss of someone unrelated by very close to you (wife, friend).
You have suffered the loss of a co-signer on the property.

You have had to take a wage cut.
You lost your job.
Your spouse has lost their job.
Your unemployment benefits are about to run out.
You are self-employed and not getting enough contracts.

Your mortgage has increased due to higher interest rates.
Your home has depreciated and the value is less than the current mortgage.

You have recently joined the military and your family cant afford the mortgage.
Your service has been extended and your family can not afford the current mortgage payments.

You are or will be incarcerated for a crime unrelated to the mortgage industry.


How have you tried to resolve your situation until now?
Using the tabs above, select the resolution(s) that describe the ways you have tried to resolve the situation. You may choose as many from each tab that apply to your situation. For some of the sections, you may only make one choice, for example, you may only choose from one of the two items under the SAVINGS tab, since both can not apply at the same time.
I had some savings but have used it all up.
I have some savings remaining but will run out in a few months.

I have asked family and friends for help and there was none available.
I have asked family and friends for help and received some but there is no more help available.
My financial insitution will not give me a loan.
I used all the funds my financial institution loaned me and can't qualify for additional loans.
You have borrowed against your credit cards but have no more credit left.

I have sold any extra assets including cars and other items.
I have sold some financial assets to get extra money.
I have reduced all non-essential services from my monthly expenses.

I have done everything I can to find work.
I have done everything I can to find a higher paying job.
I'm self-employed and have done everything I can to find more contracts.

I accept the terms of use and how my information is protected:

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REMINDER: When including this letter in your application to your home loan lender for a home loan modification, you will also need to attach the documents required to support any claims you make in this letter, if possible and applicable. If you’d like to read more about making a hardship letter or need a detailed plan to assemble your own rather than use our hardship letter builder, please read our help pages on how to make a hardship letter.

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