COVID-19: How to Write a Mortgage Loan Modification Request Letter

April 15, 2020

Temporary mortgage relief may be available for people who are experiencing hardship such as job loss, income reduction or illness due to COVID-19.

Many mortgage companies have updated their online account management to include an option to request mortgage relief with automatic approval for up to three months. You will most likely have to provide specific information about your financial hardship.

Some lenders, however, may require a loan modification letter. Here are some tips for writing an effective letter and an easy-to-follow template to guide you.

  • Keep your letter to a single page.
  • Include income and asset documentation such as pay stubs, bank statements, and other relevant paperwork.
  • Stick to the facts. Don’t lie, exaggerate or share excessive personal details.
  • Let the lender know the specific concession you are requesting.

Click here to download the Mortgage Loan Modification Request Letter template. For additional assistance, please contact a HUD-approved Housing Counseling Agency near you or review our Mortgage Relief Factsheet.

Letter Template


To Whom it May Concern:

I am writing this letter to request a mortgage modification that will allow me to continue to make my mortgage payments. When I was approved for my loan, my gross income was $ _____ per month, and my mortgage payment was $_____ per month. Due to the impact of the stay-at-home order resulting from the Coronavirus pandemic, my monthly income dropped to $_____. My mortgage payment is now __% of my monthly income.

I have done some calculations and have determined that I could continue to honor my obligation to you if you were to grant me a payment reduction to $___ per month, which would be __% of my monthly income.

I can be reached at (xxx) xxx-xxxx or by email at, and will gladly supply any documentation you require.


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