Since Wells Fargo is one of  the larger lenders, I have written many hardship letters to them on behalf of homeowners.

In this collection of letters, I have chosen to include 3 hardship letters that have been approved by Wells Fargo.

These letters are described here:

1. Hardship letter for loan modification – primary residence, 1st mortgage – hardship is due to increased utility bills and caring for an elderly relative.
2. Hardship letter for loan modification and principle reduction – primary residence, 1st mortgage – hardship is due to reduced income and sudden, unexpected expenses due to complications with a pregnancy.
3. Hardship letter for the short sale of an investment property, 1st mortgage – hardship is due to reduced income, and inability to sell the property for a higher amount in this housing slump.

If you need a hardship letter for Wells Fargo, these letters should give you a great start at wording your letter correctly.  If your specific situation is not described in these letters, it is most likely described fairly well in one of the other 29 letters in this collection.

Let me know if you have any questions.

Best of luck,

Becky