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1. Previous Communication Reference: Include if there have been prior discussions or correspondence about the hardship situation

2. Third-Party Authorization: Include if a financial advisor or other representative is authorized to discuss the case

3. Temporary vs Permanent Modification: Include if specifically requesting either temporary or permanent modification terms

4. Insurance Claims: Include if the hardship is related to an insurance claim in process

5. Government Assistance Programs: Include if applying for or receiving help from government programs

6. Co-borrower Information: Include if there is a co-borrower on the mortgage

1. Income Documentation: Recent pay stubs, benefit statements, or other proof of current income

2. Expense Documentation: Monthly expense breakdown and essential bills

3. Hardship Evidence: Documentation proving hardship (medical bills, termination letter, etc.)

4. Bank Statements: Recent bank statements showing financial position

5. Tax Returns: Most recent tax return or tax assessment

6. Financial Overview Statement: Structured overview of assets, liabilities, income, and expenses

7. Property Valuation: Recent property valuation or tax assessment if relevant