Short Sale Hardship Letters: How to Write One That Gets Approved

A hardship letter is one of the most important documents in a short sale approval. This letter explains to your lender why you can no longer afford your home and why a short sale is the best option.

What to Include in a Hardship Letter

📌 Your Name & Property Address – Clearly identify your home

📌 A Direct Statement of Hardship – Ex: “Due to job loss, I am unable to afford my mortgage payments.”

📌 Supporting Financial Details – Explain why you can’t catch up on missed payments

📌 Request for a Short Sale – Politely ask for lender approval

Common Hardship Reasons That Lenders Accept

✔️ Job loss or reduced income

✔️ Medical expenses or disability

✔️ Divorce or death of a spouse

✔️ Relocation for work

✔️ Unexpected financial crisis

Hardship Letter Example:

"Dear [Lender’s Name],

I am writing to formally request lender approval for a short sale on my property at [Property Address]. Due to [state hardship: job loss, medical bills, divorce, etc.], I can no longer afford my monthly mortgage payments.

I have explored all other options, but unfortunately, I am unable to reinstate the loan. A short sale would allow me to sell the property and avoid foreclosure, which is in the best interest of both myself and the lender.

I appreciate your consideration and look forward to working together toward a resolution."

Sincerely,

[Your Name]

Get Expert Help Writing Your Hardship Letter!

A well-crafted hardship letter can make all the difference in getting your short sale approved. Don’t risk delays or denials—let me help you create a compelling letter that strengthens your case.

📞 Call/Text: 469-855-0199

📧 Email: Dawn@ElevatedRealtyGroup.net