Hardship affidavit 2025

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The Hardship Affidavit Form is a document used by borrowers to explain their financial difficulties in making mortgage payments. It requires details about the nature of the hardship, including reduced income, excessive debt, increased expenses, insufficient cash reserves, unemployment status, and any other relevant factors. The form also asks for information regarding additional properties owned and previous mortgage modifications. Borrowers must provide a written explanation for each selected hardship and sign the document to request a review for potential mortgage relief options.

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Click ‘Get Form’ to open the Hardship Affidavit in our editor.
Begin by entering your loan number at the top of the form. This is essential for identifying your mortgage account.
In the section regarding your financial situation, provide a detailed written explanation for each hardship you select. Be specific about how these hardships affect your ability to make payments.
Indicate when your hardship began by filling in the date. Choose from short-term, medium-term, or long-term options based on your circumstances.
For each reason listed (e.g., reduced income, excessive debt), check all that apply and elaborate on your situation in the provided spaces.
Complete any additional questions regarding property ownership and previous modifications, ensuring all responses are accurate.
Finally, sign and date the affidavit at the bottom of the form to validate your submission.

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What is the purpose of a hardship letter?

A hardship letter explains to a lender the circumstances that have made you unable to keep up with your debt payments. The letter provides specific details such as the date the hardship began, the cause and how long you expect it to continue. Many creditors will require a hardship letter if you request help.

What does a hardship affidavit do?

A hardship letter is a letter you write to your lender explaining the circumstances of your hardship. The letter should give the lender a clear picture of your current financial situation and explain what led to your financial difficulties.

What is an example of a hardship affidavit letter?

Heres an example of a divorce hardship letter: Due to my recent divorce, my household has been reduced from two incomes to one. Because of this unforeseen circumstance and loss of income, I have fallen behind on my mortgage payments and sunk into credit card debt to stay afloat.

What proof do you need for financial hardship?

Information that is relevant would include: Details of your income. Details of your expenses. The cause of your financial hardship (and evidence of the cause if available, for example, a medical certificate)