A local Treasure Valley property resource

Treasure Valley property options

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.

contact mortgage servicer Meridian

The servicer call for a suburban Ada loan in Meridian

When a Meridian house payment is in trouble, the working first conversation is usually with the mortgage servicer — the company that accepts payments and sends statements. If that role is unclear, open CFPB’s What is a mortgage servicer?.

Creative Home Partners is a potential buyer with a commercial interest. We cannot identify your servicer, describe your loan, or pause a foreclosure. Contacting us does not pause foreclosure.

Bring facts, not a blog summary

Have these items in reach before you dial:

If the servicer’s name is missing, look at the most recent statement, the payee in online banking, or a letter that names the loan. Ada County records may show a recorded assignment or appointment of trustee. Meridian is not the county seat, so the Ada County Recorder is still the official office for west Ada instruments. A name on a recorded page is still something to confirm with the company that answers the phone.

Questions that belong with the servicer

Ask them — not this website — whether the loan is already referred for foreclosure, whether a notice of default has been recorded in Ada County, what options they say remain available, and where a payoff request should go if you are comparing a sale.

Write their answers in your own words. This pack will not translate them into a legal conclusion.

A counselor is a different person

A HUD-approved counselor can sit on your side of that conversation. Use the CFPB locator or HUD’s counseling page. HUD also publishes 800-569-4287 as a referral line. Creative Home Partners will not pretend to be that counselor.

If someone already offered to “handle the bank” for an upfront fee, read CFPB’s warning on the mortgage help page before you pay them.

After that call

Return to the options overview or the organizer. A disclosed buyer conversation is optional — request one only if you also want to compare a sale. Keep calling the servicer either way.

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.

Call now Open the organizer