The hardship affidavit is a statement that clearly describes how a qualifying involuntary hardship reduced gross household income or led to a significant expense that impacted your ability to pay and caused the delinquency. Using dates, amounts, and details of what happened and when it happened are critical to understanding how the involuntary hardship referred to in FAQ #12 caused the delinquency. Additional supporting documentation or details may be required to explain how the qualifying hardship was involuntary and how it directly impacted your ability to maintain mortgage payments, property taxes, or condo fees.