Hardship Letter to Bank of America

{Account Number}
{Your Name}
{Contact Number}

Bank of America
ATTN: Home Loans
{Address}
{Address}

{Date}

To Whom It May Concern:

I am writing with regard to my home at {address}, which has a mortgage owned by Bank of America. I have been behind on my mortgage payments since {date}, and I am writing to begin the process of resolving this situation.

I fell behind on my payments because {detail the reasons for hardship, including medical problems, death, job loss, etc.}, which occurred {date}.

I am unable to pay the monthly payments as is, but I believe I can afford {amount in dollars} per month, beginning {date}.

My home {is/is not} up for sale, and the property taxes and homeowner's insurance {is/is not} current.

I know that Bank of America has programs such as Home Affordable Foreclosure, Home Affordable Modification, and Home Affordable Refinance. I am interested in {name of the program that suits your needs}.

I have attached my financial information, including a detailed account of my income, recent pay stubs, and {any other information they've asked for or you think is relevant}.

It is my hope that we can bring a swift and satisfying resolution to this problem as quickly as possible.

Please contact me at your earliest convenience.

Sincerely,

{Sender Name}

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