Mortgage Letter of Explanation for previous address?

I current renting an apartment for the last 8 mos. Before this i was renting an apartment in a different county. Now am trying to get a mortgage loan, but they want a letter of explanation for my previous address (in the different county). What for? Also, that previous apartment is now in collection for breaking my contract and they want an explanation for that too. I was given the opportunity transfer to this current county and i took the opportunity so i could be closer to my family. is that a good explanation?

If not then what would be a good explanation? I really what a home for my children. HELP! PLEASE!

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