A happy family smiling together in front of their home

A Fresh Start Could Be
Within Your Reach

Are you struggling to meet your mortgage obligations? We have solutions. If you've fallen behind on your payments or are facing financial hardship, we can work with you to find a path forward that keeps you and your family in your home.

Start Now Learn Your Options
Confidential Consultations
Personalized Solutions
Keep Your Home
Your Options

Solutions Tailored to Your Situation

Every homeowner's circumstances are different. Here are some of the ways we can help you get back on track.

Loan Modifications

We can restructure your loan terms — adjusting the rate, extending the term, or reducing payments — to create a long-term solution that fits your budget.

Repayment Plans

If you've fallen behind, we can create a temporary workout plan that allows you to bring your loan current over time, giving you breathing room while getting back on track.

Payoff & Reinstatement

Ready to settle your account? We can provide payoff statements and reinstatement quotes so you know exactly what it takes to resolve your balance.

Disposition

If you've determined that staying in your home is no longer feasible, we're here to help you transition with dignity. We can guide you through a deed-in-lieu, short sale, or other exit strategy — with as little disruption to you and your family as possible. Our goal is to make a difficult situation easier, not harder.

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What Borrowers Say

Real People, Real Solutions

"
Working with Creative Note Solutions has been a positive experience. They worked with us to create a temporary workout on our past due second mortgage and later modify our loan. The entire process was easy. Thank you!
BC
Brenda C.
Borrower
"
I was afraid to pick up the phone, but I'm so glad I did. They listened, explained my options clearly, and never made me feel ashamed. The repayment plan they set up gave me real breathing room.
MR
M.R.
Borrower
"
After months of stress, I finally felt like someone was on my side. The team was professional, patient, and genuinely caring. They helped me find a solution I didn't think was possible.
TJ
T.J.
Borrower
"
I had been ignoring the letters because I didn't know what to do. When I finally called, they walked me through everything step by step. Now I have a plan I can actually manage, and I feel like I can breathe again.
DW
D.W.
Borrower
"
I was worried they'd pressure me, but it was the opposite. They took the time to understand my situation and gave me options I didn't even know existed. My family gets to stay in our home.
LP
L.P.
Borrower
"
Going through a divorce and falling behind on the mortgage was overwhelming. Creative Note Solutions treated me with dignity and helped me get a modification that saved my home. I can't thank them enough.
RH
R.H.
Borrower
Your Rights

Know Your Rights & Resources

We believe every homeowner deserves to understand their options and rights.

  • You have the right to request information about your loan at any time
  • You have the right to be treated with respect and fairness
  • You may be eligible for state or federal assistance programs
  • You can request a loan modification at any time

For free, independent housing counseling, visit HUD.gov or call 1-800-569-4287.

Get Help

Let's Find Your Path Forward

Every situation is unique. Reach out to us and we'll work with you to find a solution.

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All conversations are confidential.

THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT DOES NOT IMPLY THAT US CREATIVE NOTE SOLUTIONS IS ATTEMPTING TO COLLECT MONEY FROM ANYONE WHOSE DEBT HAS BEEN DISCHARGED PURSUANT TO (OR WHO IS UNDER THE PROTECTION OF) THE BANKRUPTCY LAWS OF THE UNITED STATES; IN SUCH INSTANCES, IT IS INTENDED SOLELY FOR INFORMATIONAL PURPOSES AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT.