How To Write A Hardship Letter For A Loan Modification . This is your loan number and can be had from your mortgage statement. When writing your hardship letter remember that lenders will not modify your loan because they feel sorry for you. 35 Simple Hardship Letters (Financial, for Mortgage, for Immigration) from templatelab.com I am writing this letter in support for my loan modification plan for the {mortgage, loan, etc.} on the {home, car, etc.} located at {address}. Here you explain changes in your financial situation, what you are doing to solve the problem, and what you would like your lender to do. I’m writing this letter to explain my unfortunate list of conditions that have caused us to become delinquent on our mortgage.