Your First Name Your Last Name Your email address **required

Your Spouse's or Co Borrower's First Name Your Spouse's or Co Borrower's Last Name

The property Address in question
City: State: Zip:

Your Loan Number If there is a 2nd Mortgage or Line of Equity what is that Loan Number

For each section below, please write briefly (1-3 sentences) how this section applies to you.

Reasonable Cause

What is/are the main reason(s) your are experiencing a hardship? As an example, "Medical issues and the inability to refinance due to the bad economy
led to our problems.  " or "I did not realize I had an adjustable rate mortgage. The payments have increased and I cannot afford them"

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Was your hardship due to Irresponsible Behavior? YES or NO 

Did you or have you done everything possible to meet your obligations and resolve your difficulty? YES or NO

In your opinion, is this hardship Temporary or Permanent? Temporary or Permanent

Either way, Temporary or Permanent, please give a brief explanation as to how and why this is Temporary or Premanent. An example would be "I lost my job but I have since found another one" or "I was in an accident
and can no longer work in my chosen profession. I'm looking for other work but don't know how much I can earn"

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Have you found a way to ensure whatever caused, you will be better prepared in the future? YES or NO

Either way, please give a brief explanation as to how you have or why you have not. An example would be "I have cut up all my credit cards and will not allow myself
to go into debt again" or "I will be selling this house once my son graduates and moving to a house I can afford"

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You're almost done. In this section, you want to really tell your story. In as much detail as possible, explain what happened, how it's affected you financially and emotionally,
and why a loan modification (reduction in payments) will help you. Click here for some examples. When you are finished, click the "Compile" button.
On the next page, you can review your hardship letter, and if you like it, you can print it.