If you anticipate having problems paying your mortgage (for any reason!) it is always better to contact your lender BEFORE your payment is late.
1234, Main Street
Boston, MA 02123
05 April, 2005
<Recipient Address Goes Here>
Re: Mortgage Loan No. <account number>
With regard to the above-referenced mortgage loan, please be advised that, due to <reason you are having problems>, I am experiencing some financial difficulties. It will not be possible for me to make my mortgage payment for the month of <month, year>.
I am enclosing a partial payment of <$amount> at this time as a symbol of my good faith.
I anticipate being able to resume making my regular payment by <time frame>.
I would certainly appreciate it if you would contact me so that we can work out a payment plan which will allow me to bring my account current and prevent a default on this mortgage loan. I want to do everything I can to avoid a foreclosure. Thank you for your assistance and forbearance during this difficult time. I look forward to hearing from you.
encl: <List of enclosed items goes here>