Hardship Letter Examples

   Hardship Letter Short Sale Marital Separation

To Whom It May Concern:

I am writing to try to request the short sale of the house at {address}, which I bought on {date of purchase}. At the time, {mortgage company} provided me with a {30-year, 15-year, etc.} mortgage of {amount in dollars}, with a {fixed/variable} interest rate.

Severe emotional and consequently financial difficulties have arisen as a result of marital problems in my home. After {brief, emotional description of family problems}, we suffered income loss due to {stress/spouse moved out/money spent on therapy}. We have worked very hard in the past to make sure that we were financially stable enough to afford the house payments, but we did not foresee the extreme emotional stress and subsequent expense issues caused by this separation.

I am including the offer from the buyer I found on {date}. I put the house up for sale on {date} and I don't foresee getting a higher offer than {amount}. My spouse has already moved out and I am unable to meet the expenses of the mortgage, maintenance and repair on my own any longer. If I do not sell soon, I may go bankrupt.

I would appreciate any help you can give me regarding this extremely difficult situation. I have enclosed the relevant financial paperwork that will help to illustrate my current situation, including {explanation of the paperwork you're including}. I would also appreciate it if we could work out a plan that doesn't require you to make a negative report on my credit.

I hope that my plan for this short sale is amenable to you. Thank you for your understanding concerning my situation and the necessity of this relocation.


{Sender Name}

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