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Loan Modification Hardship Letter Format

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    Looking for loan modification hardship letter? If you are unable to pay your loan due to your financial problems then you have to write the hardship letter to your loan servicer with full details about your problem.

    For the loan modification hardship letter, you should give away the details of the problem that made you not pay the installment.

    Explain the reason and your disability to pay the payment. In your hardship letter, point out all your problems for the delay of the payment.

    In the letter itself, ask more time that you need to pay the amount. The reasons may be due to loss of job, illness and medical bills, death, damaged property or less income.

    You should point out the reasons with proofs. Here is the sample loan modification hardship letter.

    How To Write A Loan Modification Hardship Letter

    Scott Parker,
    ABC Senior Manager,
    76D Main Street,
    Manchester – 30500.


    (Loan Servicer)
    (Loan Servicer Street Address)
    (City, State, Zip Code)

    Subject: Hardship letter for loan modification

    Dear Sir/Madam,

    I am (name of the borrower). I have some unfortunate happenings and because of that I am not able to fulfill my loan.

    But I want to keep my home, for that please modify my loan and help us in this difficult situation.

    I got ill and my medical bills crossed (amount spend for the hospital). I include you the details of my medical details and medical bills.

    Please arrange me for the loan modification that will be very helpful for me. I need this timely help from you.

    Thank you.

    Yours Faithfully,


    Always write the hardship letter simple and clearly about your situation and include the full details of the situation.

    » Mortgage Hardship Letter Format