Last reviewed 2026-05-15Short-Sale.com Editorialhardship
Hardship documentation basics
Loss-mitigation teams use your hardship narrative to understand what changed between loan origination and today. Think chronologically: income, expenses, medical events, divorce decree timing, or business failure.
Typical categories (illustrative only)
| Category | Examples of what reviewers may request (varies) |
|---|---|
| Income loss | Termination letter, unemployment filings, year-to-date pay |
| Medical | Bills, insurance explanations of benefits (redact as needed) |
| Divorce | Court orders touching occupancy or support |
| Business | Statements if self-employed |
Accuracy matters
Do not round numbers optimistically. Misstatements can be treated as fraud by investors—not legal advice here, simply a practical warning from common industry language.