Provided is a sample hardship letter along with instructions for what one should bring up in their own letter. The lender needs this letter to see if you qualify for the loan, everyone’s letter will be different with different reasons as to why they need a loan modification, in order for the lender to take your situation seriously you must also tell your story.
Account number: [Your loan number]
[Your residential address, which is also the address you are requesting loan modification on.
[Explain the reason for the loan modification in the hardship letter.] I am requesting that you work with us/me on a loan modification. My spouse, who pays half of our monthly expenses, has fallen ill with X and can no longer work because of the medical treatment.
Home Loan Modification Hardship Letter Sample
Or…what if I told you that you could get a free trial of two tooth whiteners and only pay for shipping. You order a couple tooth whiteners and just pay for shipping! Awesome! You didn’t read the fine print.
There is no reason anyone would have to use that much tooth whitener, especially if it works.

Bad credit is always an obstacle when you need finance.