How To Write A Loan Modification Letter . Explaining your hardship download article 1. Find out how mediation forces them to help you. 35 Simple Hardship Letters (Financial, for Mortgage, for Immigration) from templatelab.com Instructions for writing a successful hardship letter include your name, mortgage loan number, and property address at the top so your bank can locate your home loan easily. In the next part of your letter, clearly mention which kind of hardship you are suffering from. Sleep on it before you send it.