At the end of the day, every money lender is also a human being. They will be able to understand the hardship as a temporarily failing home owner, provided you express it suitably through a carefully drafted hardship letter.
Now you can get easy professional help in drafting your hardship letter, from www.letterofhardship.com who are experts in this area. With their years of experience in understanding the minds of lenders and the apathy of borrowers, they would be able to guide you through these tough times, comfortably.