Forms & Documents

Letter templates, checklists, and worksheets

Ten servicer-ready letter templates that assemble as you type, nine stage-specific checklists, and an income and expense worksheet built to match how servicers underwrite.

Letter templates

Written requests get documented responses. Select a template, fill in your details, and the letter assembles below ready to copy or download. Always keep proof of transmission, whether that is a fax confirmation, certified mail receipt, or portal screenshot.

Hardship Letter

Explains what changed, when it changed, and whether the hardship is temporary or permanent. Required in virtually every loss mitigation package.

Send to: Mortgage servicer, included in the application package

Your full name

Property address

Loan number

Servicer name

Nature of hardship

Date the hardship began

What happened, in your words

Where things stand now

What you are requesting

Today's date

Phone

Assembled letter

2026-08-03

[Servicer name]
Loss Mitigation Department

Re: [Property address]
Loan number: [Loan number]
Borrower: [Borrower name]

Dear Loss Mitigation Department:

I am writing to explain the hardship that caused me to fall behind on my mortgage and to request assistance so that I can resolve this account.

The hardship began on or about [date] and involved [nature of hardship]. [Describe specifically what happened, including dates and dollar amounts where possible.]

[Describe your current situation and whether the hardship has resolved, improved, or is continuing.]

I am requesting [the specific relief you are requesting]. I have enclosed the documentation required for review and I am prepared to provide anything further you need. Please direct all correspondence to me at the phone number and email below, and please confirm in writing when my application is deemed complete.

I would also appreciate written confirmation of the name and direct telephone number of the single point of contact assigned to my file.

Sincerely,

[Borrower name]
[Property address]
Loan number: [Loan number]
Phone: [Phone]
Email: [Email]

These are document templates, not legal advice. Review each letter for accuracy before sending, and have counsel review it where litigation is contemplated.

Financial worksheets

Servicers underwrite against documented monthly income and expenses, then measure your housing expense against that income. Building the worksheet before you apply means the figures in your application match the documents behind them.

Monthly income

Borrower gross wages$ ______
Co-borrower gross wages$ ______
Self-employment net income$ ______
Social Security or disability$ ______
Pension or retirement$ ______
Unemployment benefits$ ______
Child support or alimony received$ ______
Rental income$ ______
Other household contributions$ ______

Monthly expenses

Mortgage payment (principal & interest)$ ______
Property taxes (if not escrowed)$ ______
Homeowners insurance (if not escrowed)$ ______
HOA dues$ ______
Second mortgage or HELOC$ ______
Utilities$ ______
Food and household supplies$ ______
Transportation and fuel$ ______
Auto loans and insurance$ ______
Medical and health insurance$ ______
Childcare or dependent care$ ______
Credit cards and personal loans$ ______
Student loans$ ______
Child support or alimony paid$ ______
Other recurring expenses$ ______

Letter templates, checklists, and worksheets