I am trying to refiance my current mortgage and I need to write a hardship letter,so I'm asking for guidance

I'm sorry about your present financial situation. I have had to go the hardship route on a number of things where I owed money. I wish you the best in achieving your goals and dreams so that you can get on with your life in a successful manner!

On the following search, you will find sites that have samples of hardship letters.

Best to you! :)