Hardship Letter Examples

   Mortgage Modification Natural Disaster Hardship

Dear {lender}:

I am writing to request a mortgage modification due to a natural disaster that has greatly reduced the value of my property and impacted my financial status.

As you may have seen on the news, {Fire Name} destroyed most of the town of {Town}. It will be years before the community is fully livable. In the meantime, I cannot meet my loan payment obligations. I {lost my job/had to move far away/etc.} due to the fire, which has greatly affected my cash flow. Even with the help of {insurance/FEMA}, I am barely getting by.

It is my understanding that lenders can consider adjusting mortgage payments due to a hardship such as fire, floods, and various acts of God. I urge you to use this discretion in my case.

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Index of Hardship Letter Examples