The statement company, not the Statehouse, runs a Boise loan
Living near Idaho’s Capitol does not mean a state office services your mortgage. When a Boise 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 with a commercial interest. We cannot identify your servicer, describe your loan, or pause a foreclosure. Contacting us does not pause foreclosure. We will not stop a foreclosure. We are not a counselor.
Bring the statement, the address, and whatever letter you already have
Have the loan number from a statement, the Boise property address, the last payment you believe cleared, and 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.
Ada County records may show a recorded assignment or appointment of trustee. The Ada County Recorder is the official office for recorded instruments in the county that includes the capital. A recorded name is still something to confirm with the company that answers the phone.
Ask them, not us
Ask 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 on this loan, and where a payoff request should 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 locator call, not a buyer 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 reach them
Return to the three official desks or the organizer. If you also want a disclosed buyer conversation, you can request one. Keep calling the servicer either way. Contacting Creative Home Partners does not pause foreclosure.
Last reviewed: September 1, 2026