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Hardship Letter

Explains why you’re having trouble paying your mortgage.

You may be asked to provide this information if you can’t pay your loan because of:

  • Illness
  • Job loss
  • Reduced income
  • Overextended credit usage

The letter should also explain:

  • Steps you’ve taken to avoid defaulting on your loan, such as cutting expenses or using savings
  • The relief you’re requesting, such as a lower interest rate or reduced principal amount

Tips for a smoother application process

  • Make sure documents are clear and legible.
  • Don't alter any pages (no strikethroughs, cross-outs, etc.).
  • Send all pages, even the blank ones.