This page is from Creative Home Partners, a DBA of Scarlett Investments, LLC, a private investor that may want to buy 1–4 unit homes in the Treasure Valley. We are not a government agency, nonprofit, attorney, lender, or housing counselor, and this is not a foreclosure-help or loan-modification program. Information here is general. Contacting us is optional and does not pause foreclosure or any legal process. For personal advice, talk with your lender, a licensed attorney, or a HUD-approved housing counselor.

Talking with your mortgage servicer

If a Caldwell house payment is in trouble, the first working conversation is usually with the mortgage servicer — the company that accepts payments and sends statements. CFPB’s explainer What is a mortgage servicer? is the federal page to open if you are unsure what that role is.

This company is a potential buyer. We cannot identify your servicer, describe your loan, or pause a foreclosure.

What to have in front of you

The loan number on a statement
The property address
The last payment you believe cleared
Any letter you have already received

If you do not know the servicer, start with the most recent statement, your online banking payee, or the number on a letter that names the loan. County records may show a recorded assignment or appointment; the Canyon County Recorder is the official office for recorded instruments in this county. A recorded name is still something to confirm with the company that answers the phone.

Questions that belong with them, not with us

Is the loan already referred for foreclosure?
Has a notice of default been recorded?
What options do they say remain available on this loan?
Where should a payoff request go if you are comparing a sale?

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

Counseling is a separate call

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 you call

Return to the options overview or the organizer. If you also want a disclosed buyer conversation, you can request one. Keep calling the servicer either way.

Last reviewed: August 30, 2026