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[Music] hello guys welcome back to my channel writing practices today we are going to learn how to write a hardship letter for loan modification what is a loan modification hardship letter a hardship letter for loan modification is a personal letter written from you to your lender explaining exactly what event or circumstance has caused you to fall behind on your mortgage and why you are not able to continue making payments here writing practices will show you how to write a hardship letter for loan modification step by step check this out the very first thing to write is your personal information here you need to write your full name under it write your home address when you write the address it is necessary to include the number street name city state and zip code and you can also provide your contact information like phone number or email address for the next write the date of the letter here most formal letters use the format of month date and year in this example is December 2nd 2