[Sample] Short Sale Hardship Letter

Learn how to write a short sale hardship letter. Use our sample short sale hardship letter as a template for your hardship letter.

short sale hardship letter sample

[Name of Borrower]
[Address of Borrower]
[City, State, Zip Code]
Loan Number: [Loan Number]

[DATE]

[Name of Lender]
[Address of Lender]
[City, State, Zip Code]

RE: Requesting short sale because of financial hardship

Dear [Name of Lender]:

This letter is a formal request to short sell my house because of financial hardship. 

I have not been able to make my mortgage payments for the past six months because the company I was working for, [Name of Company], downsized, and my position was eliminated. 

I found another job, but the salary is a third of my previous salary. If I can short sell my house, I can avoid foreclosure.

I would like to fulfill my financial obligations, but it has not been possible for the past six months, and a short sale seems to be the only solution. 

I also believe that a short sale is in your best interest, because the house is in good condition and you could sell it for market value rather than waiting for foreclosure and trying to sell a vacant house.

Thank you for considering my request. I am ready to cooperate with any instructions you may have. I can be reached at [Phone Number] or [Email Address].

Sincerely,

[Signature of Borrower]
[Printed Name of Borrower]
List of Enclosures

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