Hardship Letter Tips

One of the required steps to qualify for a HAMP loan modification is writing a hardship letter.  This is a brief explanation of the circumstances surrounding your current financial status, and will let your lender know what has happened to cause the situation and also what you have done to try to overcome it.  The federal government requires every homeowner who applies for a HAMP loan mod to submit this explanation letter, and there are certain important categories that you need to be sure to cover.

Here is a sample that you can follow with the important phrases highlighted-of course you need to personalize this to match your own circumstances and so that it fits your unique situation.

Loan Modification Hardship Letter SAMPLE

Key Phrases

Date

Loan #, Borrowers Names, Property Address

To whom it may concern,

I am writing this letter to explain my current financial hardship situation and to request consideration for the HAMP loan modification program.  My mortgage payment is no longer affordable and I am at imminent risk of default if I do not receive some help.

The trouble first started about 6 months ago when my hours were cut at work, and my income was reduced.  My wife was laid off from her job, so as a result we lost more than half of our normal income.  She has been looking for work but has not been able to find anything, and I have also been looking for a second job.  The economy is very bad in our area, and there are just not many jobs available making it very difficult for us.

We have been using up our small savings account to make ends meet each month, and now we have begun having to use credit cards to pay our monthly expenses.  We will soon be out of money, and the increased payments on our credit cards are so high that we cannot afford to keep paying those either and our monthly expense keep getting higher.

Our home has lost so much value that we cannot qualify for any type of refinance program, and a loan modification is our only option.  We do not want to lose our home, our children are involved in their school and church and have many friends in the neighborhood.  It would be heartbreaking for us to have to uproot them.

We are hard working, responsible homeowners and we have tried everything we can think of, but we are desperately requesting your help to modify our mortgage to a more affordable payment.  We would like to be considered for the federal loan modification plan called HAMP-please help us to keep our families home.  Thank you,

Sign, phone number

Sample Budget-Automatically!

The HAMP loan modification requires that you also complete the official application form which is called the RMA-Request for Modification and Affidavit.  Page 2 of this form is the monthly budget for your household, and this is where you must breakdown your income, expenses and bank balances.  You must show the right amounts or you will not qualify.  If you are not sure how to prepare your monthly budget form correctly, you can use a sample monthly budget to follow.  This will show you how much income, expenses and bank balances are required to fit the approval guidelines for HAMP loan modification.

Need help with your HAMP loan modification application?  Do it right-use the #1 resource for homeowners, The Complete Loan Modification Guide kit and loan modification software calculator.  You receive everything you need to

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succeed: step by step directions, required forms and the loan mod calculator automatically generates your own sample monthly budget to show you how much income, expenses and bank balances are required.  Visit MyLoanModificationCenter.com for more information today.

Do You Qualify?

Homeowners struggling with high mortgage payments may be able to qualify for Indymac’s HAMP loan modification program.  It can be difficult to qualify for this loan workout plan, but homeowners can learn the fast way to approval.  Learn how to get approved using the inside formula that the bank uses!

The Indymac HAMP loan modification program will only be offered to those borrowers who can prove that they fit right into the standard guidelines.  This means that your monthly income, monthly expenses and bank balances all meet the formula used by the bank to modify your loan.   The information you provide on your loan mod application will be used by the bank in this formula, and a decision is made based on the results after inputting your income, expenses and bank balances.

Here are some tips for fast approval on the Indymac HAMP Loan

Know the Guidelines

Modification Plan:

1. Work on your monthly budget BEFORE submitting it to the bank.  You do not want to disclose your income, expenses and bank balances until you are certain that they fit into the formula for approval.
2. Make sure that you fit the basic eligibility guidelines, you must live in the home and you may need to provide a utility bill to prove this.  Your loan amount must be less than $729,750 and the loan taken out before January 1, 2009.  Most importantly, you must be facing a financial hardship situation.
3. Compose a good hardship letter that describes your situation and explains what has happened to make the current payment unaffordable.  The acceptable hardship reasons are:  loss or reduction of income, increased expenses, lack of savings or reserves, excessive debt obligations.  Make sure your hardship letter hits on these four reasons, and also be sure to include your loan number and then sign it.
4. Provide all of the required documentation, items like your paycheck stubs, bank statements, tax returns will all be required.  Be sure to submit everything Indymac is asking for in your loan mod application package.
5. Run your monthly budget through the loan modification
   

   Sample Budget-Automatically!

   software calculator to make certain that you are passing the 7 standard triggers for HAMP approval.  Is your monthly income high enough?  The calculator will show you automatically.  Are your expenses acceptable?  The software calculator immediately shows you just where you may need to make adjustments to you budget to pass the guidelines.

6. Finally, fine tune your monthly budget using the information from the loan modification software calculator and transpose that information onto the official RMA form for submission to Indymac for review.  Be confident that you have done everything you can to qualify for a HAMP loan modification.

Learn the fast way to get approved for Obama’s HAMP loan modification on your Indymac mortgage using the #1 resource for homeowners.  The Complete Loan Modification Guide kit and Loan

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Modification software calculator provides you with step by step directions, required forms, and the calculator automatically generates your very own sample monthly budget to help you prepare your forms correctly.  Visit MyLoanModificationCenter.com for more information and get started today!

Know the 3 critical elements of a hardship letter

A critical part of applying for a Wells Fargo loan modification is explaining and documenting to the bank that you are facing a legitimate financial hardship situation and that you can no longer afford your mortgage payment.  In order to do this, you will be required to write a letter detailing what has happened and provide that letter with your loan mod application.  Here are some important tips for writing the most convincing and acceptable explanation.

Wells Fargo Loan Modification Hardship Letter Requirements:

There are four basic categories of acceptable financial hardship situations that the bank considers legitimate.  Most borrowers fall into one of these categories:

1. Household earnings have been reduced, for example: underemployment, reduced pay or hours, decline in business earnings, death, disability or divorce of a borrower or co- borrower

1. Expenses have increase, for example: monthly mortgage payment reset, high medical or health care costs, uninsured losses, increased utilities or property taxes

1. Monthly debts are excessive, over extended with creditors, including credit cards, home equity loans or other debt

1. Cash reserves, including all liquid assets are insufficient to maintain the current mortgage payment and cover basic living expenses at the same time

WELLS FARGO HARDSHIP LETTER INSTRUCTIONS:

1. When you write your explanation, be certain to write your full name, property address and loan number on the top of the page.
2. The first paragraph should clearly state that you are at imminent risk of default on your mortgage and that you are requesting considerations for HAMP or any other loan modification plan that you may qualify for.
3. Each paragraph should cover one of the reasons explained above, many homeowners are facing one or all of these situations, so the paragraph could start:  My income has been reduced due to my boss cutting my hours at work, etc.
4. Also state what you have done to try to remedy the situation, looking for a second job, taking in a room mate, etc.
5. Also assure the bank that you are a hardworking, responsible homeowner but this situation is out of your control.  You want to keep you home and avoid foreclosure, ask politely for their help so you can keep your home.
6. Finally, be sure to sign the letter and provide your daytime phone number.  The application also includes a Hardship Affidavit on which you state that you are not misrepresenting your circumstances under penalty of perjury.

Ideally, your Wells Fargo loan modification hardship letter should be one page long, brief and to the point.  However, you do want to give enough details so that the bank will be understanding and willing to help you.  Include some details about your community involvement, church, children schools and activities.

If you would like to help to write your own effective Wells Fargo loan modification hardship letter, you can use a template provided in the best selling resource for homeowners, The Complete Loan

Download immediately!

Modification Guide Kit and Loan Modification software calculator.  This helpful kit includes a step by step handbook, hardship outline, and the loan mod calculator which will generate your own sample monthly budget to help you complete your application correctly.  Visit MyLoanModificationCenter.com for more information.

Sample Budget-Automatically!

Apply Correctly!

One of the critical parts of the loan mod application is called the Hardship Affidavit.  It is now part of the standard form that you must complete and submit for your lender’s review.  This form is called the Request for Modification and Affidavit, or RMA.  It was designed by the Treasury Department for use with the government subsidized loan workout plan, which is called HAMP.

How do you complete this loan modification Hardship Affidavit correctly?  There are boxes that you can check depending on which one most closely matches your own situation-for example:

1. Household income reduced
2. Expenses have increased
3. Monthly debt payments are excessive
4. Cash reserves-checking & savings-are insufficient

There is also a space to write an explanation of what exactly has transpired and what steps you have taken to try to remedy the situation, but since it is only two lines, most of the time you will be better off to write your letter of explanation on a separate piece of paper.

Know the Guidelines

IMPORTANT TIP:  keep your loan modification Hardship letter to one page in length and be sure to sign it on the bottom.  Your letter should include one of the above categories, and it may include all of them!  Begin the first paragraph stating the “due to financial hardship I would like to apply for a loan modification under HAMP or any other program I may qualify for”.  If you specifically ask for the government plan then the bank is mandated to review your application for eligibility.

Suffering a financial hardship situation will not guarantee that you will qualify for a loan modification.  Although it is one of the main requirements, you must also prove that your monthly income, monthly expenses and bank balances all fit within the standard approval formula used by the banks.  This is a mathematical equation that is used to determine if your loan can be modified using the standard Waterfall Method.  If your do not prove in black and white on your financial statement that your income is sufficient to fit into the formula, then chances are not very good for you to be approved.

Sample Budget-Automatically!

You can get help to complete your loan modification application and increase your chances of approval – the #1 best selling resource for homeowners provides you with step by step directions and also a loan mod software that automatically calculates a sample budget.  The Complete loan Modification Guide kit and Loan Modification software will save you time, frustration and give you the help you need to prepare an accurate financial

Download immediately!

statement.  Visit MyLoanModificationCenter.com for more information so you can get started today.

Federal Plan

he federal loan modification plan, called HAMP, requires that you provide a hardship letter detailing why you can no longer afford your current mortgage payment.  This letter must include certain information in order to meet the approval guidelines.  When you sit down to write your own letter of explanation, be sure that you include everything your lender will need to see.  It is critical to explain what has happened to your finances so that you will be viewed as a good candidate for a loan modification.

Here is an easy to use outline that will help you to put your thoughts in order and then write an effective explanation of what your current financial situation is and why you need a loan workout.

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Use this outline to help you create your Hardship Letter.

Identify the cause of current payment hardship- check all that apply:

Unemployment Military Service

Separation Payment increase-Rate reset

Divorce Illness

Death of Spouse Incarceration

Death of a family member Damage to property

Too much debt Loss of income/overtime/etc

Medical Bills Other- specify

Job Relocation

Business Failure

We believe that our situation is Temporary Permanent

Use this area to provide answers to the following questions regarding your situation. This will help you to remember details when you write your letter

When did this difficulty first begin?

What caused this difficulty and what have you done to try to remedy it?

Why do you feel your situation has improved, and that you will be able to afford and stay current with your new mortgage payment?

A couple of more tips are to keep it short-don’t go on and on.  The bank reads thousands of letters a day.  They don’t have time to read a novel-one page long is plenty.  Use key phrases in your letter:

Using the phrase, “Imminent risk of default if we are not given help” and increased expenses, lower income and using up our savings to live are all important terminology which can help your case with your lender.  Your goal is to paint a picture for your bank that through no fault of yours it is no longer possible to afford your current mortgage payment.

The loan modification hardship letter is just one of forms required, in order to have the best chance of getting approved you need to prepare a financial statement that meets the federal guidelines.  You can get help to do this easily and correctly with the #1 resource for homeowners, The Complete Loan Modification Guide kit.  Don’t allow frustration and confusion to get in the way of saving your families home.

Get the help you need to prepare your own accurate and acceptable loan modification application. The Complete Loan Modification Guide kit is the best selling do-it-yourself system that takes the guess work out of preparing your financial statement, hardship letter and all of the required forms your lender needs. You get an easy to use software program-Loan Mod Quick App-as well as an easy to understand handbook with step by step directions. Why take chances with your application? Simply input your unique financial information into the Loan Mod Quick App and it calculates it all for you! It couldn’t be easier! Visit myloanmodificationcenter.com and order today.

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The takeover of Wachovia Bank by Wells Fargo may be good news for homeowners stuck in a bad Wachovia home loan.  Wells Fargo is anxious to quickly cure the billions of dollars in bad mortgage debt and clean up this mess as soon as possible.  A  Wachovia loan modification is a quick and cost effective way to turn those toxic and delinquent loans into performing assets, making the bank look better on paper and helping the homeowners avoid foreclosure.

Many borrowers are currently saddled with unaffordable “negative amortization” loans that were widely issued by Wachovia Bank.  These creative financing programs started off with low teaser payment rates, but now have adjusted to high rates and rising payments.  Many borrowers are actually adding to their principle balance each month when they make their loan payments.  These loans are ticking time bombs waiting to explode as property values continue to decline and equity erodes.

Good news for many Wachovia borrowers-NOW is the time to apply for a loan modification with Wachovia

Learn how to fill them out correctly

Bank.  The loss mitigation departments are set up and offering several loan modification options to their distressed borrowers.  Qualified home owners may have the opportunity to convert their current loan into a fixed rate as loan as 2%.  Wachovia is offering these programs on a graduated interest rate loan modification as a way to allow delinquent borrowers to get caught up and maintain the new lower, home loan payment.  More good news, some of these programs only require “stated income” applications, meaning you do not have to present pay check stubs, tax returns, etc to qualify.

So who will qualify for these low rate loan modifications?  Well, you must show the lender that this home is your principle residence, it must be a single family home (no 2-4 units), and your debt ratio must be 38% or

Learn how to figure your own debt ratio to qualify

less.  This means that your housing debt, including taxes, insurance and HOA dues cannot exceed 38% of your gross income as stated.  This is only a brief overview of some of the options available to Wachovia borrowers, and not everyone will qualify for these programs.

Start now to learn all you can about the loan modification process and you will improve your chances of a loan modification approval.  Once you understand how the process works and learn what the lender needs to see from you to approve your loan modification application, you will feel confident in working with the bank to fix your bad loan.  It is important to calculate your debt ratio and complete the required forms properly so they will meet the lenders loan modification guidelines and increase the chance for success.  Take the time to learn how to figure your income and expenses and present a family budget that will conform to the lenders requirements and meet the debt ratio percentage.  How you present your current situation is as important to better your chance for loan modification help.

There is a lot of information available on the internet about loan modifications-in fact, there is so much information it is very hard to figure out exactly what is accurate, up to date and most important to help you prepare your loan modification application.

Watch the short video to learn more now!  Go to:  http://www.youtube.com/watch?v=fV92aSTdB7E

A very complete, accurate source of information is The Complete Loan Modification Guide handbook.  This is a low cost, easy to follow guide that you can buy and download right online.  This Guide will provide you

Home Edition Loan Modification Kit

with step by step instructions on how to complete the provided loan modification forms, how to calculate your debt ratio, tips on writing a compelling hardship letter, direct contact phone numbers, and much more.  You will save yourself hours of frustration and stress by using The Complete Loan Modification Guide handbook and feel confident that you are presenting a successful loan modification application package to your lender.  Give yourself a fighting chance to save your home-an informed homeowner is a powerful homeowner.

If you would like more information about loan modifications, please visit us at:

http://www.myloanmodificationcenter.com

Save Your Home

Are one of the millions of American homeowners struggling to find an answer to unaffordable house payments?  Home values are continuing a steep decline making it impossible for many borrowers to refinance out their “bad” loan into an affordable, fixed rate loan program.  There is a way to convert your current loan into one that you can afford-for FREE!  That’s right, no escrow, no title or appraisal, no fees-just some of your time and effort to learn about how a loan modification works and how to submit a successful loan modification application to your lender.  Sounds like something you would be interested in learning about?  You can learn what you need in a Loan Modification Guide.

You may have read or heard about loan modifications but are not sure if you would qualify and even how to start the process.  Loan Modifications are a relatively new option for troubled homeowners, but one which President Obama and Congress is encouraging all lenders to offer their borrowers in unaffordable loans.  The financial crisis has made the situation even worse for many mortgage lenders-they are highly motivated now to fix your loan and help you stop foreclosure.  Loan Modification is a cost effective and beneficial method of turning bad debt into performing assets-the bank looks great on paper and the homeowner gets to keep their home-it’s a win-win for everyone.

There is a lot of information online about loan modifications.  Many companies have popped up offering to represent homeowners for a fee to apply for a loan modification.  You may wonder if you should pay the

Pay a Company?

thousands of dollars these companies want as an upfront fee or work directly with your lender and do it yourself.  IMPORTANT-before you make any decision affecting your home and family, take the time to get educated and informed about the entire loan modification process-learn what your lender will need to see to approve your loan modification application, what questions to ask, if you will qualify and how to prepare a successful loan modification application.  It’s not rocket science, but you do need to know the basics if you want to have your loan modification approved-whether you do it yourself or decide to hire a company.

Meet the author and learn more-watch the video now!  Go to: http://www.youtube.com/watch?v=fV92aSTdB7E

An excellent source of information and detailed instructions is The Complete Loan Modification Guide handbook.  This is a low cost, easy to read and easy to follow home edition handbook that you can purchase and download right online.  You can get started right a way learning about the required forms, how to complete them properly, hardship letter advice, and get invaluable negotiating tips to use when working with your lender.  We have covered all aspects of the loan modification procedure so you can easily follow the step by step instructions.  Everything you need to know is included in this one Guide.  You can save hours of frustration by ordering The Complete Loan Modification Guide handbook and you will feel confident when you contact your bank or a loan modification company.  Don’t just hand over your hard earned money or give up without a fight-knowledge is power-give yourself the fighting chance you deserve to save your home and credit.

Home Edition Loan Modification Kit

Order the most complete and up to date Loan Modification Guide available and get started today.

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There are a some very important things that your lender will look at when deciding to approve or deny your loan modification application.  If you know what these key items are, you will have a much better chance of getting your loan modification approved and be on your way to getting your home and finances back on track.  Take time to do your homework and research before you contact your lender or a loan modification company.  You may have been taken advantage of when you got your bad loan, don’t let that happen again.  Here are some of the key issues your lender will look for in your loan modification application:

1. Hardship situation:  did your family suffer a hardship that caused the delinquency?  Divorce, illness, job loss, military duty, death in family are some of the acceptable hardships.
2. Adjusted interest rate:  did the interest rate increase to an unaffordable amount?  Many borrowers cannot afford the new, higher interest rate on their adjustable loans.
3. 

   Learn how to figure your own debt ratio to qualify

   3.  Do you have a plan in place to remedy your situation and stay current with the new payments?  Can you show your lender that you will work in good faith to make timely payments in the future?

4. You must prove to the lender that while you cannot afford the current payment, you can afford a modified loan featuring a lower, fixed payment.  You do this by providing financial statements outlining your income and debts.  We teach you how to complete these financial statements so they are acceptable to your lender.
5. 4.  Has the value of your home decreased so that your loan balance is higher than what the home is worth?  This is an incentive for your bank to grant a loan modification and stop foreclosure.

Meet the author and learn more-watch the video now!  Go to: http://www.youtube.com/watch?v=fV92aSTdB7E

You can find the help and information you need in one easy to read, low cost handbook:  The Complete Loan Modification Guide handbook.  You can purchase and download this Guide right online and get started to learn the step by step process to a successful loan modification.  The Complete Loan Modification Guide shows you exactly what your lender needs to see, it includes all the required forms and gives you detailed instructions on how to complete them properly.  You learn about debt ratio, how to write a compelling hardship letter, your legal rights, and so much more.  Order The Complete Loan Modification Guide handbook and get the information you need in one easy to understand home edition handbook.  Save yourself hours of frustration by using the most detailed and complete loan modification guide available.  Give yourself the fighting chance you deserve to save your home and credit-it is time and money well spent.  Thousands of homeowners have successfully modified their home loans, you can too!

Home Edition Loan Modification Kit

Please visit us at:  http://www.myloanmodificationcenter.com

Struggling homeowners needing help with a Countrywide loan modification need to know a few important tips to increase their chance of approval.  Bank of America, owner of Countrywide has implemented a massive loan modification outreach program to their distressed borrowers.  As part of the largest predatory lending settlement in U.S. history, Countrywide has agreed to offer assistance to help their clients avoid foreclosure by modifying existing, unaffordable loans into programs that are affordable and sustainable.

This Countrywide loan modification outreach is funded by $8.4 billion dollars and is anticipated to help approximately 400,000 borrowers who are currently delinquent on their loans.  Some of the options available to eligible borrowers will include:  lower interest rates, waiver of late fees and penalties, longer loan terms and principal forbearance. 

If you are interested in applying for a Countrywide loan modification, make sure you know a few important tips to increase your chances of approval.  Not all borrowers will qualify, so here are some important tips to know before you begin the process:

• Speak with the right department-you may be getting calls from the Collection Department-that is not who you need to be speaking with.  Their job is to get as much money out of you as they can.  Hang up and call the Loss Mitigation Department at 1-800-262-4218.  Make sure that you get the first and last name of the person you are speaking with, their direct line or extension and then write that down on the handy Call Log provided in The Complete Loan Modification Guide.
• Request a Countrwide Loan Modification package be sent to you.  This way you can review it and complete it at your convenience to make sure you complete it properly.  As the counselor to go over the general guidelines for approval, most lenders have implemented a debt ratio criteria they use for qualifying the new loan payment.  This figure generally ranges from 35%-41% as acceptable.  You will need this information later when you complete the financial statements.

Compose a Hardship Letter briefly describing the circumstances that caused your delinquency, what steps have been taken to rectify the situation and your intention to make timely payments from now on.  The Complete Loan Modification Guide can help you write a convincing letter by providing you with a Hardship Letter outline and letter template.

• Figure out a new family budget that eliminates any unnecessary expenses, then determine what an affordable monthly mortgage payment would be.  Now make that your “target” payment and your goal when working towards your Countrywide loan modification.
• Important, be sure to verify that the target payment fits within the lenders guidelines for debt ratio acceptance.  The Complete Loan Modification Guide will show you how to figure your own debt ratio with step by step directions to help make sure you qualify.
• Take your time and carefully complete the required financial statements being sure to list all of your income, expenses and assets.  Remember, the lender will verify this information against your credit report and bank statements-any omissions could result in denial of your Countrywide loan modification.  INSIDER TIP:  homeowners who show large, untapped assets or reserves in a bank account may not be deemed in a hardship situation.
• Pay attention-this is the tricky part-you must complete the financial statements so they clearly demonstrate a financial hardship due to the current mortgage payment, but also show that a new lower loan payment will be affordable and sustainable.  The Complete Loan Modification Guide makes this simple to do by providing you with a Current financial statement and a Proposed financial statement, along with detailed directions to help you complete them properly.  INSIDER TIP:  You will also learn about disposable income requirements
• Now, you can put it all together into a professional and acceptable Countrywide loan modification application package for following the easy submission checklist provided in The Complete Loan Modification Guide.

Homeowners who take the time to research, learn and prepare can increase their chance of success with a Countrywide loan modification to get a low affordable mortgage payment.  It’s not brain surgery, but if you know the general guidelines and what the bank is looking for to approve your loan modification application, you will have a much better outcome, whether you decide to work directly with the bank or hire a loan modification company, a knowledgeable homeowner is a powerful homeowner.  Decide to take control of your financial future by learning, preparing and then making wise decisions to save your family home.

You can get the help you need to understand the Countrywide loan modification process by ordering and downloading The Complete Loan Modification Guide. This is a low cost, easy to read handbook that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly. The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender. Get started today on the path to secure home ownership, order and download The Complete Loan Modification Guide.

For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com