[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-276781-105":3,"detail-sidebar-cat-1-en-105":81,"doc-detail-276781-en":127},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","sample-financial-hardship-letter-request-for-mortgage-assistance","Sample Financial Hardship Letter - Request for Mortgage Assistance","","Sample financial hardship letter template for borrowers seeking assistance from a lender/servicer after falling behind on mortgage payments. It provides placeholders for personal information, loan number, the borrower’s hardship circumstances, prior efforts to resolve the issue, and specific reasons help is needed to avoid default. The letter requests a workout agreement or other relief such as reduced payments, lower interest, payment pauses, or deferral, and explains anticipated financial impact and long-term plan if foreclosure is avoided.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/letters/","Letters",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/sample-financial-hardship-letter-request-for-mortgage-assistance/276781/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/sample-financial-hardship-letter-request-for-mortgage-assistance/276781.png","ImageObject",442,249,{"name":42,"@type":43},"McGucket","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-30","2026-09-15",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",20,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What information should be included at the top of the hardship letter?","Question",{"text":63,"@type":64},"Include your name, address, city/state/ZIP, loan number, and the lender/servicer contact details (To address). Also include the date.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What should the borrower explain in the hardship and delinquency section?",{"text":68,"@type":64},"Explain the circumstances that caused the mortgage to fall behind, whether the hardship is temporary or long-term, and what steps were already taken to resolve the situation.",{"name":70,"@type":61,"acceptedAnswer":71},"What kinds of solutions can the borrower request from the lender/servicer?",{"text":72,"@type":64},"Request specific relief such as a lower payment, lower interest rate, a pause in payments, or deferral of missed payments, and ask the lender to consider a workout agreement to bring the mortgage current.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},276781,1790202926,{"code":4,"msg":82,"data":83},"success",[84,89,94,99,104,109,114,118,123],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":86,"show_sort_weight":87,"slug":88},11,"Presentations",90,"presentations",{"id":90,"doc_module":22,"doc_module_name":25,"category_name":91,"show_sort_weight":92,"slug":93},12,"Resumes",80,"resumes",{"id":95,"doc_module":22,"doc_module_name":25,"category_name":96,"show_sort_weight":97,"slug":98},14,"Invoices",70,"invoices",{"id":100,"doc_module":22,"doc_module_name":25,"category_name":101,"show_sort_weight":102,"slug":103},15,"Posters",60,"posters",{"id":105,"doc_module":22,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},16,"Social Media",50,"social-media",{"id":110,"doc_module":22,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},17,"Forms",40,"forms",{"id":115,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":116,"slug":117},18,30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},21,"Paper Templates",5,"papers-templates",{"id":124,"doc_module":22,"doc_module_name":25,"category_name":125,"show_sort_weight":4,"slug":126},158,"General","general-158",{"code":4,"msg":82,"data":128},{"doc_id":79,"user_id":129,"nickname":42,"user_avatar":130,"doc_module":22,"category_id":115,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":22,"language":136,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":12,"update_tm":140,"read_time":4},1236954412713,"https://us-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Sample Financial Hardship Letter  \nDate  \nYour Name  \nYour Address  \nYour City, State, and Zip  \nLoan \\#  \nTo (Lender/Servicer):  \nI am writing this letter to explain the circumstances that caused us to fall behind on our mortgage payments. We recently contacted (name of foreclosure counselor and agency) to help us prevent foreclosure.  \nThe main reason that caused us to be late is (explain reason for hardship/reason for falling behind in a few short sentences) . Our situation is (temporary, short term, or long term) .  \nWe have tried to resolve the hardship by (list what you have done to try and resolve the hardship. For example, reduced your expenses, picked up a second job, etc.)  \nWe need your help because (explain why you need help from the lender/servicer to avoid default.) We have explored these options to address the delinquency (list the options you have explored to address the delinquency and why they haven’t worked. For example, refinancing is not possible due to poor credit, there isn’t enough equity in the house so selling is not an option [and explain why not].)  \nWe are requesting (specify what solution you are requesting from the servicer. Is it a lower payment, lower interest rate, pause in payments, deferral of missed payments to the end of the loan?)  \nThis will impact our financial situation (state how the desired solution will impact your financial situation if approved. What is your long-term plan with the house if foreclosure can be avoided?)  \nPlease consider a workout agreement to help us bring our mortgage current. We appreciate your willingness to work with us to prevent foreclosure on our home.  \nPlease contact us at (phone number) when you receive this letter so we can talk about our options.  \nSincerely,  \nYour Signature Phone number","cbCaih6evy7fdZ3V","https://ap.wps.com/l/cbCaih6evy7fdZ3V","pdf",45815,"English","# Letter Template\n## Recipient and Borrower Details\n## Hardship Description and Efforts\n## Assistance Request and Impact","[{\"question\":\"What information should be included at the top of the hardship letter?\",\"answer\":\"Include your name, address, city/state/ZIP, loan number, and the lender/servicer contact details (To address). Also include the date.\"},{\"question\":\"What should the borrower explain in the hardship and delinquency section?\",\"answer\":\"Explain the circumstances that caused the mortgage to fall behind, whether the hardship is temporary or long-term, and what steps were already taken to resolve the situation.\"},{\"question\":\"What kinds of solutions can the borrower request from the lender/servicer?\",\"answer\":\"Request specific relief such as a lower payment, lower interest rate, a pause in payments, or deferral of missed payments, and ask the lender to consider a workout agreement to bring the mortgage current.\"}]","Sample Financial Hardship Letter - Request for Mortgage Assistance | PDF",1789495272]