Write a Letter to the Bank requesting for a time duration for the payment of the monthly installments.

Hello,

Re: Mortgage Loan No.

This is to state that with regard to the above-referenced mortgage loan, due to , I am experiencing some financial difficulties. Therefore, it will not be possible for me to make my mortgage payment for the month of .

I am enclosing a partial payment of at this time as a symbol of my good faith.

I anticipate being able to resume making my regular payment by .

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.

Regards,