A local Treasure Valley property resource

Treasure Valley property options

Creative Home Partners Creative Home Partners Homeowner Options · Caldwell

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.

If the property is within the foreclosure period described by Idaho law, a later agreement transferring an interest in the property may be subject to a required statutory notice and a five-business-day cancellation right. This website and its contact forms are not a purchase agreement and do not calculate whether those provisions apply or when any period begins. Obtain advice from an Idaho attorney before signing transaction documents. Idaho Code §45-1602 and Idaho Code §45-1603.

Idaho notice of default

Reading a default or sale notice without inventing a deadline

A letter on the kitchen table is a document, not a website’s calendar. This page explains how to file what you already have and where Idaho publishes the official text. It does not create a legal deadline and it does not say that a particular sale is or is not valid.

Last reviewed: August 30, 2026.

Copy the paper; do not let a quiz rewrite it

If a line mentions a sale, treat that printed date as a fact to verify with the servicer and, if needed, an Idaho attorney. The Homeowner Options and Deadline Organizer will not calculate remaining days from that line.

What Idaho’s official trust-deed chapter actually is

Idaho Code Title 45, Chapter 15 is the Legislature’s Trust Deeds chapter. Section 45-1505 describes when a trustee may foreclose a trust deed by advertisement and sale, including recording a notice of default and mailing copies as the section requires. Section 45-1506 describes manner of foreclosure, notice, and sale. The official text of § 45-1506 currently uses a one-hundred-twenty-day figure before the day fixed by the trustee for the trustee’s sale, after a notice of default has been recorded.

That statutory figure is part of the official procedure text. It is not a calculation of your personal deadline. Do not treat 115 or 120 as “your clock.” Section 45-1506C is a related official page about a supplemental notice and a chance to request a loan modification when that section applies. Recording dates, mailing, publication, postponements, bankruptcy stays, and other facts this website cannot see can change what applies to a file. Read the Legislature’s pages. Ask the servicer what they say has been recorded. Ask an attorney if you need a determination.

Canyon County recorded documents are the Recorder’s responsibility. Confirm what is actually on record there rather than trusting a blog summary.

What this company will not do with your notice

Creative Home Partners may discuss buying the house. We will not:

CFPB’s mortgage help page is the federal warning about advance-fee and guaranteed foreclosure-stop offers.

If you need court or counsel context, use the Idaho Court Assistance Office or the Idaho State Bar Lawyer Referral Service.

Next

Call the servicer. Open a HUD-approved counselor locator. Use the organizer if you want a checklist. A buyer conversation is optional and does not replace those steps.

Last reviewed: August 30, 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