In addition to the financial information lenders require when processing an Arizona loan modification request, they will also require a hardship letter. Your lender wants this letter in order to understand what the problem was that caused your mortgage delinquency, in addition to how you have solved or intend to resolve the problem so it doesn't happen again.
If you can't tell your lender what caused the problem and why it won't happen again, your lender may not approve the loan modification request.
