Sample Hardship Letter for Short Sale

Below is a sample hardship letter for short sale. It is a formal business letter and should have no spelling or grammatical errors. The letter should be sent along with any copies of required documents by registered mail with a return receipt requested. 

This will make sure the borrower has proof that the letter was received by the real estate agent or lender. Any enclosures such as bank statements or salary receipts should be copies and not original documents. 

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Sample Hardship Letter For Short Sale

Name Of Borrower
Address Of Borrower
City, State, Zip Code
Loan Number 

Watercolor painting woman typing on a sleek black laptop


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

RE: Requesting short sale because of financial hardship

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. 


Signature of Borrower
Printed Name of Borrower
List of Enclosures

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