Hardship Letter Generator

Explain your financial situation to your servicer and request assistance.

When to use this letter:

You've experienced job loss, income reduction, or other financial hardship
You're applying for loan modification, forbearance, or other assistance
Your servicer requested a hardship explanation
You want to proactively explain why you're behind on payments

Your Information

Full Name *

Loan Number *

Street Address *

City *

State *

ZIP Code *

Phone Number *

Email *

Your Mortgage Servicer

Servicer Name *

Your Hardship

Type of Hardship *

Describe your situation * (Be specific and honest)

✓ Good: Specific dates, percentages, clear facts
✗ Avoid: Vague language, emotional appeals, grammar errors

0/500

How has your income changed? *

What assistance are you requesting? *

Important Disclaimer

We are not associated with the government or your lender. Your lender may not agree to change your loan. We are not a lender, law firm, or financial advisor. This is educational information and DIY templates only. Nothing on this site constitutes legal, tax, or financial advice.

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