If you are unable to pay your mortgage on time, here is a sample template you can use to write a hardship letter for a mortgage.
[Recipients Name]
[Address line]
[State, ZIP Code]
[Subject: Hardship Letter] -Optional-
Dear [Recipients Name],
I am writing this letter to explain the unfortunate events that led me not to pay off my mortgage. I would appreciate it if you could review my finances so we could find a solution to the problem.
The problem that caused me not to pay my mortgage debt began on [date], and this is when [event] happened. Therefore, I believe that this problem is temporary/permanent.
I would like to keep my house and discuss my finances so that the debt could be paid off over time. I am looking to find another job, and I think it will take approximately [months] to find one; I also have $ in savings.
I would appreciate any help that I could get, and I will be waiting patiently for your reply so we could discuss this matter in detail.
Sincerely,
[Senders Name]
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