What will lenders consider as a hardhip?

Here is a list of possible hardships. Lenders differ when determining if hardship is real.
1. Job relocation
2. Unemployment
3. Significant income loss
4. Divorce
5. Separation
6. Excessive medical bills expenses
7. Death of spouse
8. Death of a family member
9. Business failure
10. Damage to property
11. Incarceration
12. Military service
13. Adjustment in mortgage payment or unforeseen increase in    living expenses
Most mortgage companies or lenders require the hardship letter pursuant to a short sale. In the hardship letter, it is important to present the facts clearly, and above all else, be honest. The hardship letter must be able to prove the situation that caused you to fall behind on your payments, and the excuse for falling behind must be legitimate and provable. A hardship is defined real and the mortgage company believes the loan is likely to become delinquent.