Hardship Letter but current in payments?
by Mortgage Rates on Tuesday, October 12th, 2010 | 2 Comments
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I found this site regarding hardship letters. It has a list of hardships that banks consider and it provides an example of a hardship letter. Hope this helps.
http://www.loansafe.org/forum/loan-modification/135-examples-hardship-letter.html
To be honest, if you’re current on things, they won’t likely deem you have a hardship. Generally, you have to be behind to gain hardship status. Depending on your income and his illness, you may be eligible for Medicaid, though. For that, you’d need to go to your county DFCS office.