Line 1: At the top of the hardship letter type your bank's name that you are requesting the short sale from. Line 2: put their address. Line 3: type their phone number and fax number. Skip a space. Line 4: type the date. Line 5: type "RE: Request for short sale - (Your Loan # and Property address)." Skip a line and start your letter with: "Dear (Bank's Name) Representative:" Step 5First paragraph: State a change. Mention what change took place why you can no longer afford your payments. Keep it brief and simply let them know that some change happened between the time you bought the home and now which has affected your ability to pay your mortgage loan
