Mortgage Hardship Letter - Sample #3
February 8, 2004
ABC Mortgage, Inc
San Diego, California
Attn:
Loss Mitigation
Re: Loan # 123456789
Dear Loss Mitigation Representative,
I have fallen behind on all my bills because I was in an auto accident last
year. I have been in rehab for the last 3 months and have not been unable to
return to work. My doctors said that it’s unlikely that I’ll be able to go back
to work and I’ll be filing for disability. My wife was unable to cope with my
condition and the lack of money and all the associated stress and she decided
to leave me two weeks ago. I’m by myself without money or help.
In addition to falling behind on my house payments, I’m also about to have my car repossessed. No one is here to take care of the house and even if I could take care of it, I don’t have the money. Our house is the worst looking house on the block but I’m at the point where I really don’t care anymore. I’ve basically lost everything and I just want to get better and get out of this house.
Please work with my buyer who is willing to pay more than anyone else has offered for the property in its current condition. There is a problem with the roof over the living room, but it only leaks when we get a real hard rain. The plumbing in the half-bath sink doesn’t work so I just use the kitchen sink. The house exterior paint is pealing bad and so is the garage. The garage door spring is busted and won’t close. Obviously the lawn and shrubs are out of control too. There is a lot of things that need to be fixed in this house.
I don’t know what else to do and need help. Please let me
sell this house so I can move back to
Thank you.
John Homeowner
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