To: MyBank Mortgage - Aaccount # XXX-XXXX

Re: Mortgage Loan Modification Request

I wish to be considered for a loan modification on my current loan that I have with you. Recent changes in my (health with explanation) have drastically disrupted our families budget. In fact, we are having a very difficult time making utility payments and buying food.

Hopefully, this loan modification hardship letter will demonstrate to you that I would, indeed, have the ability to pay my mortgage if the monthly payment amount were smaller. I am enclosing a recent check stub as proof of income. I am also enclosing a list of current obligations which includes all credit cards, average utility bills, food and other expenses necessary for family household maintenance.

Fortunately, I have ____ years left on my mortgage. I would be interested in a program where I was able to extend the term of my loan, making the monthly payments smaller, allowing for the decrease of my income due to my untimely hardship.

I am hopeful that you will be open to renegotiating the terms of my current home loan to avoid potential a foreclosure. I believe that it is in our collective interest to work out this loan modification.

Please contact me at your earliest convenience so that we can further discuss my request for a loan modification. I would be willing to provide examples of any paperwork to backup my disability claims - including doctors records as well as proof of my disability income. I can be reached any time of the day at the following phone number. (555) 555-5555.

Thanks you so much for your time and consideration.