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What is a Hardship Letter?

In order to qualify for a loan modification or short sale, you must submit a hardship letter to the lender. There is specific information that must be included and below are several tips when writing your letter. When you click on the link of the letter example you want to lose, the template will automatically download. Please be aware that these are just templates and should be tweaked to suit your specific situation.

Loan Modification Hardship Letter Examples

Below are some examples of common hardship letters used for loan modifications, which include the tips we’ve provided. Please review these letters before submitting your hardship letter to Cogburn Law Offices.

Examples of Loan Modification Letters

Adjustable Arm
Adjustable Arm & Loss Of Income
New Baby And Loss Of Income
Delinquent On Mortgage

Short Sale Hardship Letter Examples

Below are some examples of common hardship letters used during a short sale, which include the tips we’ve provided. Please review these letters before submitting your hardship letter to Cogburn Law Offices.

Medical-Related Hardship Letter Examples

Elder Support With Medical Documentation
Medical Reasons
Medical Emergency
Depleted Savings And Rising Medical Expenses

Job-Related Hardship Letter Examples

Loss Of Income
New Baby And Loss Of Income
Decreased Income And Increased Expenses
Increased Income And No Child Support
Increased Expenses And Lay-Offs
Change In Employment With Decreased Income
Self Employed With Decreased Income
Decreased Income And Increase In Community Crime
Maternity Leave And Decreased Income
Relocation For Employment And Family Reasons
Impending Unemployment
Partner Relocating For New Employment
Relocation Due To Unemployment
Relocation For Employment Reasons
Possible Employment Elimination
Impending Unemployment And Unsafe Neighborhood

Divorce-Related Hardship Letter  Examples

Loss Of Employment And Divorce
Divorce With Spousal Support
Divorce, Transfer Of Employment And Unable To Sell
Relocation And Divorce

Other Hardship Letter Examples

Community Prohibits Renting
Rental Income Too Low To Cover Mortgage