Where do you find a copy of a hardship letter?
You can find many online. The problem with using them, however,
is that the samples are mainly used to get traffic to websites; not
to provide a real, quality sample for you to use. A quick look at
the quality of letters online will show you how true this is.
Your letter should follow this general flow:
1 - what are you wanting to have happen (loan modification,
short sale approval, deed in lieu, loan forbearance, etc.)
2 - what is the hardship that is causing you to request this
change to your previous agreement with the lender
3 - what income do you have to pay the payment resulting from
the new agreement (if you're requesting a loan modification or loan
Note: If you don't have a good explanation for #2 and don't have
a good story for #3, your letter will not help you.