My mortgage is with Chase and I have ask for a loan mdification. I have to submitt a hardship letter and I need help writing it. I can not afford the payment as it is because of health problems. My income is much lower now and I am on disability. I can't [url=http://www.mortgagefit.com/refinance.html]refinance[/url] because I don't qualify. I am not currently latebut I don't know if I can make March's payment. They told me to continue to "make the payments" and that this could take up to 90 days. I don't know how I am going to make the payments and I don't want to be late. What do I need to include to make sure this letter gets me the rate reduction that I need?