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How to Prepare a Hardship Letter for a Mortgage Lender - dummies So how do you go about writing a letter that will get the banks attention? By Ralph R. Roberts, Lois Maljak, Joseph Kraynak. When applying for a home loan modification, a key component of the application is the hardship letter, the homeowners’ description of the financial setbacks they’ve experienced that resulted in their inability to pay their monthly mortgage.
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