Rent and Mortgage Hardship Letters After a Layoff

Subject: Rent for [month] — request for a short payment plan

Dear [Landlord / property manager name],

I'm writing about the rent for [unit / address], due on [date]. My position at [employer] was eliminated on [layoff date], and my income will be reduced until [expected date — e.g. unemployment benefits start / new role begins].

I want to stay current and keep you informed rather than miss a payment. Here is what I can do:

- Pay $[amount] on [date] toward this month's rent.
- Pay the remaining $[amount] by [date].
- Resume full rent on [date].

I have filed for unemployment and [have severance through [date] / am actively interviewing]. I would be grateful if you could confirm in writing whether this plan is acceptable and whether any late fee can be waived while it is in place. If a different arrangement works better for you, I'm open to discussing it.

Thank you for your understanding. I can be reached at [phone] or [email].

Sincerely,
[Your name]
[Unit / address]
[Date]

Subject: Hardship assistance request — loan [loan number]

To: [Servicer name], Loss Mitigation / Hardship Department

Property address: [address]
Loan number: [loan number]
Borrower(s): [name(s)]

I am writing to request information about hardship assistance on the loan above. My employment with [employer] ended on [layoff date] due to a layoff. My household income has dropped from approximately $[amount] per month to $[amount] per month, and I expect this to continue until approximately [date].

I would like to understand which options are available to me, including forbearance, a repayment plan, or a loan modification, and to begin the application for whichever fits. Specifically, please let me know:

1. Which hardship options apply to this loan type.
2. How long payments could be paused or reduced, and whether that period can be extended.
3. How any paused amounts would be repaid afterwards, and whether interest or fees accrue during the period.
4. How the arrangement would be reported to the credit bureaus.
5. Which documents you need from me and any application deadline.

I have attached [separation letter / unemployment claim confirmation / recent pay stubs]. I am committed to keeping this loan in good standing and would appreciate a written response.

Thank you,
[Your name]
[Phone] · [Email]
[Date]