Home Loan Deferral Request Pandemic

Dear {financial institution}:

I am writing to request a payment deferral for my home loan. My account number is {number}.

The pandemic has led to a financial hardship in the form of income {loss/reduction}, along with {additional expenses, other circumstances}. I cannot make these payments at this time and must enroll in your hardship program.

I understand that this deferral will be in effect for {time period}, with interest {accruing/not accruing}. Also, it's critical that a lump sum payment will not apply, and rather the payments will be added to the tail end of my loan.

Per your stated policy, please do not charge late fees or report payments as late to any credit bureaus.

Sincerely,

{Sender Name}

Enclosures: {items}

Index of Hardship Letter Examples