If you have borrowed some money from a mortgage company and you are unable to pay it back in time then a hardship letter to mortgage company is your best bet. This petition is your one and probably the only chance to explain your financial condition and request a loan adjustment plan. That’s why you should write it tactfully but briefly as most of the financial company officials do not have time to read a lengthy and perverse letter.
In the opening paragraph of your letter, you should come to the point straight away and request the other party for bit relaxation. Give complete details of your due amount and date.
Use second paragraph to tell your lender the reasons that made you unable to pay the instalments/ loan.
You will make your addressee realise in the third paragraph that you are capable of paying back your loan in the near future. Show the other party a bright side of the picture and request to help on humanitarian grounds.
Close your letter with proper greetings.