Making Home Affordable Hardship Affidavit

Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Here is the Home Affordable Modification Program Hardship Affidavit that is required when applying with your servicer. Please download the form below and feel free to ask questions and share with other homeowners below.

We have many threads and articles on how to write a hardship letters on the links below. My best advice is to be honest and try to keep it short and heart felt.

Examples of a Hardship Letter

How to write a hardship letter | LoanSafe.org

Hardship letter

Bank of America load mod situation & draft hardship letter
 

cunderwood40

LoanSafe Member
anyone know what is the norm for putting your "auto expenses" as well as spending money for your monthly expenses when filling out this BofA MHA affidavit? Trying to determine what the appropriate number for "spending money" and "auto expenses" would be.
 

JustDae

LoanSafe Member
Hi Moe, do you have the Vice President of B of A, her last name is Desoer - I think. I also need her email. I can't find it in my email record and I really need to contact her.

Peace and thanks
Dae
 

swettequity

LoanSafe Member
Feedback on my hardship affidavit draft really appreciated.

First, it IS my first draft so going more for the human factor...I've seen from some others on the forum they include hard numbers...I should add that.
Second...I am concerned because we have some charged off debt in our credit report, from our failed business. They are going to see that anyway, so I thought it would be a good idea to take the tiger by the tail and address that in the letter.
Your honest feedback appreciated!
BTW...I AM the wife here...and this letter has to come from my husband, but I'm drafting it since he is (fortunately!) still working.)

I should add...we are current on both first and second mortgages.

Thanks again,
Karen


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mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> Dear Loss Mitigation Specialist,

I am writing to ask you to consider our case for an FHA Special Forebearance for the unemployed, and/or a HAMP modification of our first mortgage, and if the latter, than a 2MP evaluation of our second mortgage.
The immediate financial crisis is my spouse was laid off from her employment on June 10, 2011 (please see attached documents from NYS Dept of Labor and our bank, showing deposit of her unemployment benefits.)
In addition, we had opened a business in 2006, which did not tolerate the recession well. We have been struggling financially since 2008, as evidenced by our struggles paying our second mortgage and the unpaid, charged off debt you will find in our credit report (although we have NEVER missed a payment on our first mortgage, which we hope you will find to be evidence of our good faith in the repayment of our home.) We had invested all of our savings in that business, so it was a tremendous loss for us.
I continue to work full time, where I have been employed for 17 years, and my wife has worked hard to keep some form of our business active while obtaining paid employment and we were beginning to get back on our feet when this new lay off happened.
My wife is a medical social worker who will continue to seek gainful employment. In addition, she is enrolling in an RN program to add to her credentials, which will open up a far greater range of work opportunities as well as a much higher potential income. We anticipate she can complete this program in 4 semesters, part time, since she already has a BA and all of the liberal arts requirements. In the meantime, we she is aggressively seeking gainful employment as well.

It is very important to us to keep our home. Our young children require the stability of remaining in their community and in their school district, most especially our youngest child, who has disabilities who is very well served in our district. We fear the long term impact of a change in community and school district on him. In truth, he only has 7 years left in the school district, at which time we could sell the home if necessary.

We are NOT asking for a principal reduction of any kind, we desire to and plan to pay for our home (as well as our other existing debt). We just need the gift of time, to regroup, for my wife to better position herself for the emerging job market and to make herself more employable and more valuable.
 

Cat Damiano

Mortgage Wars
Karen,


It looks good. Good Luck with the modification! Please keep us posted on your progress.
 
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