Resource websites such as Dummies.com and HSH.com provide examples and writing guides for hardship letters. A hardship letter explains a homeowner's request for mortgage modification amid financial problems.
When writing a hardship letter, For Dummies suggests describing a financial difficulty that mortgage lenders consider genuine and acceptable. These include death in the family, divorce, income reduction and job loss. In addition, the letter must mention the homeowner's plan to resolve the financial problems and guarantee to pay the amount owed in order to keep the house. HSH recommends keeping the letter succinct and accompanying it with helpful documents, such as bank states and pay stubs.