Got a Hardship Letter? How to Write One That Gets Approved in New Jersey

The problem? Most people don’t know what to write—or worse, they copy templates online that don’t match their situation and get denied.

As a short sale certified and AI-Certified Realtor, I’ve helped dozens of North Jersey homeowners craft hardship letters that actually get approved.

Here’s what you need to know.

📄 What Is a Hardship Letter?
A hardship letter is a personal explanation of why you can’t afford your mortgage payments and what led to your financial trouble. It’s your chance to explain the “why” behind the numbers on your financial documents.

💡 It’s not just a form—it’s your voice. And it can make or break the outcome of your short sale or loan modification.

✅ What Banks Want to See in a Hardship Letter
Here’s what banks typically look for:

Specific Reason for Hardship
Be clear and concise. Common reasons include:

Job loss or income reduction

Divorce or separation

Medical bills or illness

Death of a spouse or co-borrower

Timeline of Events
Explain when the hardship started and how it affected your finances.

What You’ve Tried to Do
Mention any efforts you've made to catch up or reduce expenses—this shows responsibility.

Your Current Financial Reality
Include basic numbers: your monthly income, bills, and what you can realistically afford.

The Ask
Whether it’s a short sale or loan modification, clearly request what you’re applying for.

✍️ Example Opening (Just to Get You Started):
“I am writing this letter to explain the financial hardship that has made it impossible for me to maintain my monthly mortgage payments. In September 2024, I lost my job due to downsizing. Despite actively seeking new employment, I have been unable to regain the same income level…”

💼 How I Help as a Short Sale Expert
I work directly with homeowners and their attorneys to:

Review your hardship letter line by line

Ensure it aligns with bank expectations

Package it with the right financial documentation

Submit it with your short sale offer for faster approvals

With the help of AI-powered tools, I also flag red flags that may cause delays—saving time and frustration.

A strong hardship letter is more than words—it’s the key to relief. If you're behind on your mortgage in North Jersey, don’t go through this alone.

Let me help you craft a hardship letter that gets results.

📞 Contact Johnny Rodriguez, North Jersey’s first AI-Certified Short Sale Expert, for a private, no-pressure consultation today.

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