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This is a sample hardship card that can be used with Chase Mortgage Lender but also with other banks;

Mr. and Mrs. Shrek
21 Ogre Street
Magic Forest, TN 11111
His phone number
Your email address
August 1, 2009

Dear Financial Institution,

We are one of your loyal customers interested in the Loan Modification Program at your bank. We are struggling to make our monthly payments because my hours have been reduced to part time, my wife has lost her job and we are struggling financially. You can see that prior to these difficulties, we were paying our mortgage on time on a monthly basis. We try to keep paying our bills on time, but we have great difficulties. We would like to continue living in our house with our children. We would like to pay our bills, but we need help due to reduced income.

We understand that your services at your bank can help us with our mortgage payments. By lowering our payments with your help, we may be able to stay in our home with our family. The loan modification program can help us avoid foreclosure, which helps both the bank and us. We want to continue making the loan payments, but we need the help of the bank in these difficult times to make the payments.

Call us and make an appointment so we can discuss our financial needs and what services the bank can offer to keep us in our home and pay our bills on time. Please let us know what paperwork we may need to bring our meeting. We look forward to hearing from you and appreciate the opportunity to modify our loan so that we can continue to make payments. We would like the opportunity to discuss our financial problems and the services your bank offers, including lowering our mortgage payments by modifying them, if possible.

Sincerely,

Mr. and Mrs. Shrek

That is, tailor it to your needs and send it to Chase Mortgage Lender.

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