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Creative Home Partners Creative Home Partners Homeowner Options · Meridian

Important: start with your mortgage servicer. This resource is operated by Creative Home Partners, a DBA of Scarlett Investments, LLC, a private real-estate investor and potential buyer. We are not a government agency, lender, law firm, nonprofit, foreclosure-relief company, or housing counselor. We do not contact or negotiate with your lender, modify loans, provide legal or housing advice, or stop or postpone foreclosure. Contacting us does not extend any deadline. Call your mortgage servicer promptly and consider speaking with a HUD-approved housing counselor or an Idaho attorney. If you also want to compare a possible sale, we may evaluate the property as a prospective buyer for our own account.

preforeclosure options Meridian

West Ada payment trouble: people to call before a suburban buyer pitch

Meridian grew as a suburban Ada city west of Idaho’s capital. It is not the county seat. A late house payment here still lives on Ada County paper. Recorded instruments go to the clerk in Boise, not to a Meridian city window. Before you rank anyone who might buy, put three things on the same table: that clerk’s office, the company that services the loan, and a HUD-approved counselor locator. This page is general education. It is not housing counseling, legal advice, or a plan to stop a foreclosure.

Commercial interest. Creative Home Partners may discuss a purchase for its own account. That is not counseling. Contacting this company does not pause foreclosure.

Start with the company that actually collects the payment

The mortgage servicer is usually the firm that accepts payments and can describe the loan. Ask who they are, whether they have referred the file, and what they say remains available. CFPB explains what a servicer is. This website cannot speak for yours. Read the servicer call for a suburban Ada loan in Meridian.

An HOA, if the lot has one, does not replace that call.

Counseling is a locator problem, not a buyer-website problem

HUD-approved agencies can discuss loss-mitigation ideas and help you talk with a servicer, often at little or no cost. Find them through the CFPB counselor locator or HUD’s counseling page. Creative Home Partners is not on those lists. No person here is presented as a counselor.

CFPB’s mortgage help page states that there is free foreclosure help, and that anyone who charges in advance or guarantees they can stop a foreclosure is not legitimate. We will not make that guarantee.

Staying in a west Ada house, if staying is still real

Keeping the house, if that is still possible, usually runs through the servicer and qualified counselors or attorneys. This company does not process loan modifications and will not say that you qualify for one.

Selling is a later comparison, not a halt

Some households sell a Meridian house so they can relocate. A listing and a direct purchase have different timing and net-proceeds tradeoffs. A sale does not automatically stop a foreclosure. Ask the servicer what they require for a payoff or to cancel a scheduled action. See if selling a Meridian house is only one suburban Ada comparison. If a later written contract ever mentions assignment, that is not a promised benefit of this site.

Limits of this pack

Use the Homeowner Options and Deadline Organizer if you want a checklist from your answers. No contact information is required. Keep the servicer number in the same session.

Last reviewed: September 1, 2026

Talk through this property

Leave a first name and a number if you want a buyer conversation. Still call your servicer and, if you want counseling, a HUD-approved counselor. Contacting us does not pause foreclosure.

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