Dear {Lender},
Please accept with my apologies my monthly mortgage payment of {amount}. I am aware that it was due on {date} and I am sending this on {date}.
Unexpectedly, I experienced {setback}, which meant I was unable to {secure funds/access payment methods/transmit the payment} on time.
If you review your records, you'll see that during the {number}-year life of this loan, I have never once been late. I've now taken steps such as {steps} to make sure this never happens again.
I would be happy to pay a late fee, which I understand to be {amount}. My main concern is that this oversight won't affect my {interest rate/loan status/credit rating}.
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Index of Hardship Letter Examples