We Buy Houses in Louisville, KY and Southern Indiana
Need to sell a house that's behind on payments, inherited, or in rougher shape than you want to deal with? I'm Roger Choate, and I buy houses as-is on both sides of the river. You get a written offer after a property and record review, no agent commission, and a title-company closing on a date you pick once the title and payoff work is done. Selling in the city? See we buy houses in Louisville, KY. In Clark County? See we buy houses in Jeffersonville, IN.
Get Your Free Cash Offer
No obligation. I usually follow up within one business day.
Why Homeowners Call Us
Selling shouldn't add to the stress.
No showings. No repairs. No agent commission. A written offer you can check, and a closing date you pick once the title work is done.
An Offer You Can Check
I base it on recent nearby sales, the house's condition, and the work it needs. Ask how I got to the number and I'll show you.
Close on Your Timeline
If timing matters, I review the title, payoff, ownership, and closing requirements before proposing a realistic date.
See the Numbers Before You Sign
The contract and title-company settlement statement show cost allocations, required payoffs, and estimated net proceeds.
The Process
Three simple steps, and I'll walk you through each one.
From the first call to the title-company closing, here's how it works.
Tell Me About Your House
Call or fill out the form. No need to clean, fix, or stage a thing.
Review a Clear Written Offer
I review the property, ownership, and known closing requirements before preparing any no-obligation written offer.
Pick Your Date & Get Paid
Accept, pick your closing date once the title and payoff work is done, and the title company handles the paperwork.
We Can Help
Whatever brought you here, there's a page for it.
Foreclosure, an inherited house, a divorce, probate, fire damage, code violations, back taxes, a house you own from out of state. None of it is anything to be embarrassed about. Pick your situation and see how a direct sale works for it.
Foreclosure in Indiana
A completed sale with lender payoff before the sheriff sale may stop the foreclosure. Timing and credit outcomes vary.
Foreclosure in Kentucky
A completed sale before the commissioner sale may pay off the lender. Court timing controls what's possible.
Inherited Property
Sell as-is without the repairs, cleanout, and listing. Who can sign depends on the estate.
Divorce
One written number both sides can work from. Every owner on the deed signs.
Probate
A written offer the personal representative and the estate's attorney can review.
Fire Damage
Smoke, structural, or water damage: I review the house as it stands.
Back Taxes or Tax Liens
Delinquent taxes get paid from the proceeds at closing. The deadlines matter.
Code Violations
Open notices and fines don't stop a direct sale. Municipal liens are settled at closing.
Out-of-State Owner
Live somewhere else? Remote signing runs through the title company.
Behind on payments? The sooner we talk, the more options you have.
Contact your mortgage servicer, a foreclosure attorney, or a HUD-approved housing counselor promptly. A completed sale with lender payoff before a scheduled sale may stop the foreclosure, but no buyer can guarantee timing or credit outcomes. If you also want to discuss a direct-sale option, call me without pressure or judgment.
Call (502) 528-7273Get a No-Obligation Cash Offer
Ask Roger to review your property and explain the direct-sale option so you can compare it with your other choices.
- Written offer based on nearby sales and condition
- Get a proposed timeline after title and payoff review
- No company fee or agent commission
Start Here
I usually follow up within one business day.
Meet the Buyer
Roger Choate
Founder, Mortgage Forfeiture
I'm Roger Choate, founder of Mortgage Forfeiture. My family's roots run three generations deep in the Kentuckiana region: Kentucky on one side, and Southern Indiana on the other, where my wife grew up. We know these communities: the neighborhoods, the people, and what a home means here.
I started this company to give local owners another way to sell a difficult property. When you reach out, you talk to me and my small local team, not a national call center. I review the home, ownership, condition, and closing requirements before preparing any written offer. Mortgage Forfeiture buys houses as-is across the Louisville metro and Southern Indiana. There is no company fee or agent commission, and the contract and settlement statement show the complete terms before you sign.
Compare Options
Cash Sale vs. Traditional Listing
Compare the complete written terms, contingencies, preparation, and estimated seller net.
Traditional Listing
Mortgage Forfeiture
Wholesaler
Resources
Latest Insights
Helpful articles for homeowners exploring their options.
Common Questions
Frequently Asked Questions
How fast can you close on my house?
Timing depends on title, payoff, ownership, occupancy, lender, court, and closing requirements. After reviewing those details, Roger can propose a realistic closing date. Closings go through a professional title company.
Do you buy houses in both Indiana and Kentucky?
Yes. We buy houses across Southern Indiana (Clark, Floyd, Harrison, Scott, and Washington counties) and the Louisville, Kentucky metro area (Jefferson, Bullitt, Oldham, Shelby, Hardin, and Nelson counties). Start with the Louisville page or the Jeffersonville page, or see every area.
How much do cash home buyers pay?
There's no fixed percentage. Roger looks at recent nearby sales, the house's condition, the work and risk involved, and the title information before putting an offer in writing. Compare the written offer and the estimated settlement statement with a broker's price opinion and the likely listing costs. See the side-by-side comparison.
Is there any cost or obligation to get an offer?
None. Asking for an offer costs nothing and commits you to nothing. Roger reviews the property and puts the offer in writing. You can take it, leave it, or think about it.
Ready?
Request a Written Property Offer
Tell me a little about your house. I usually follow up within one business day, and a written offer follows property and title review. There is no obligation and no pressure.
Get Your Free Cash Offer
No obligation. I usually follow up within one business day.