Write your mortgage hardship letter in minutes.

Answer a few questions and get a plain, polite letter you can copy, edit and send to your servicer. What you type stays in your browser.

Your numbers are only the start

Fill in the form to see your results here. When you are ready, send us the address and we will turn the estimate into a real offer or a plain-English plan, at no cost.

Jump to the request form

What a good hardship letter does

States what happened and when, in plain facts.
Says what you are asking for.
Asks for the application and the list of documents.
Asks for written confirmation that the servicer received it.

Before you send it

Read it and change anything that is not exactly right.
Add dates and amounts that are specific to you.
Send it in a way that gives you proof of delivery, and keep a copy.
Attach the documents the servicer asks for.

A template, not advice

The letter is a template built from your answers. It is not legal advice, and it does not guarantee any outcome. A HUD-approved housing counselor or a Texas attorney can review your letter and your options.

Questions about this tool

Is my information sent anywhere?

No. The letter is built in your browser and stays there unless you copy it or contact us.

Do I need a letter to get help?

Many servicers ask for one with the application. Ask your servicer what it requires.

Can I change the wording?

Yes. Copy the letter into your own document and edit it before you send it.

For lenders and counselors

Put this tool on your website

Add your name, logo and colors, paste one snippet, and offer it to your borrowers for free.

Get the embed code

Not legal, tax or financial advice

These tools give general estimates from the numbers you enter. They do not replace advice from a Texas attorney, a CPA or a licensed lender. Captain Saves A Home buys houses, so we have an interest in a sale, and we will tell you honestly when another option fits better.