Adverse mortgage - should I should send letter of explanation

xcvx

@Sotts thank you. I have written a couple of paragraphs as to why it happened and what is now in place to prevent this. i haven't been asked yet but its ready for when they do! 

Sotts

robatwork said:

Interesting point - what "explanation" would be a good one for a lender?  They all seem fraught with things that would make an underwriter sweaty.  For example
Illness - will the applicant get ill again and not pay?
Bad relationship - reflects badly on the judgment of the applicant  (no offence meant - just looking at this dispassionately)
Spent more than earned - reflects badly on the responsibility of the applicant.

I think anyone realizes people can have a situation outside their control.  A bad relationship doesn't show poor judgment unless we are victim blaming?