Hardship Letter Sample – Medical Expenses

Hardship Letter Sample – Medical Expenses


(Your Name)

(Your Address)


(Your Lender’s Name)

(Your Lender’s Address)

RE:  (your Loan #)

To Whom It May Concern:

I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage. We have done everything in our power to make ends meet but unfortunately we have fallen short and would like you to consider working with us to modify our loan. Our number one goal is to keep our home and we would really appreciate the opportunity to do that.

Due to a medical situation, we have incurred substantial medical bills while experiencing a temporary loss of income.  I (describe medical situation).  Due to this (illness/injury) I was unable to work for X weeks/months and lost over $XXX of income.

The medical bills and loss of income combined to put us in a very bad financial position.  We did our best to keep up on our mortgage payments but unfortunately have fallen behind. It has been our full intention to pay what we owe. But at this time we have exhausted all of our income and resources so we are turning to you for help.

Our situation has improved / will improve / will not improve because (reasons here, ie medical situation is past, have returned to work, household member has added income…) and we feel that a loan modification would benefit us as the homeowner and you as the lender. We would appreciate if you can work with us to modify our monthly payment and bring our loan current so we can keep our home and also afford to make amends with your firm.

We truly hope that you will consider working with us and we are anxious to get this settled.  We love this house and cannot bear the thought of losing it.

Sincerely and Respectfully,

Borrower’s Signature


Co-Borrower’s Signature