Sample Letter of Hardship for Medical Reasons

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Sample Letter of Hardship for Medical Reasons

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 was an unexpected illness that required extensive and costly treatment. These unforeseen medical expenses have caused us to fall behind not only on our mortgage but also our credit cards and other monthly obligations. Soon after being late and our income not being nearly enough, we had fallen further and further behind. 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 our delinquent amount owed and/ or payment so we can keep our home and also afford to make amends with your company.

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,

Borrowers Signature

Co-Borrowers Signature

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