Roger Choate Buys Houses in Louisville and Southern Indiana
Wondering who's actually behind the "we buy houses" offer? I'm Roger Choate, founder of Mortgage Forfeiture, and I'm the one buying. My family's been rooted in Kentucky for three generations, and my wife grew up across the river in Southern Indiana. I started this company after watching local homeowners get squeezed by agent commissions, repair bills, drawn-out sales, or a foreclosure with few good options. You talk to me, you get a written offer after I review the house, and I stay your contact through the title-company closing.
Roger Choate
Founder & Owner
Why Choose Us
What Makes Us Different
Here's how selling to Roger differs from a national buyer or a wholesaler.
Direct Buyer
No middlemen, no wholesalers, no assignment contracts. I'm the one buying your house, and you deal with me from start to finish.
An Offer You Can Check
Ask how I got to the number and I'll show you: recent nearby sales, the condition of the house, and the work it needs. No mystery formula.
Close on Your Timeline
Tell us about any hard deadline immediately. A closing date is set after the title company confirms the title, payoff, ownership, and approval work required.
No Repairs Needed
Leaking roof? Outdated kitchen? Foundation issues? I buy houses in any condition and price the work into the offer. You don't fix anything first.
Local & Available
My office is at 246 Spring St, Suite B in Jeffersonville, across the river from Louisville. I buy on both sides, and you can reach me at (502) 528-7273.
No Pressure
Foreclosure is stressful. I explain the direct-sale option without pressure and encourage you to compare it with your servicer, legal, counseling, and listing options.
Selling something other than a house? Our family of companies buys commercial property (retail, office, warehouse, and multifamily) through Kentuckiana Commercial Co., land and farmland through Kentuckiana Land Co., and manufactured homes through We Buy Doublewides, all across Louisville and Southern Indiana.
Our Mission
Give homeowners a straight answer and a real option before the sale date.
If you're behind on payments, call your servicer, a HUD-approved housing counselor, or a foreclosure attorney first. The notice and the court record control the deadline in your case. I explain the direct-sale option so you can compare it with the rest.
Buy homes directly after reviewing the property, relevant nearby sales, condition, ownership, title information, and expected work.
Provide a clear written offer and coordinate a proper title-company closing after required reviews and approvals.
Charge no company fee or agent commission, state cost allocations in the contract, and provide a settlement statement showing payoffs, prorations, and estimated net.
Treat every homeowner with respect and compassion, regardless of their financial situation.
Explain the process, the pricing, and the timeline in plain terms, with nothing hidden in the contract.
A completed sale with lender payoff before the applicable deadline may prevent an additional foreclosure event, but credit outcomes vary.
We Can Help
Situations We Handle
Every homeowner's story is different. These are the situations that come up most, each with its own page.
Compare Options
How We Compare
Compare the complete written terms, contingencies, preparation, and expected seller net.
Traditional Listing
Sell to Us
Wholesaler
The Process
How It Works
From the first call to closing day, three simple steps. See the full process.
Contact Us
Call or fill out the form on this page. Tell me about the property: location, condition, and situation. No need to clean, fix, or stage anything.
Review a Written Offer
I review the property, ownership, condition, and timeline before preparing a written no-obligation offer.
Close & Get Paid
Accept the offer and pick your closing date once the title and payoff work is done. A local title company handles the paperwork and pays you at closing.
Contact us with basic property information. Roger reviews the home, ownership, condition, and timing before preparing a written offer. If you accept, closing proceeds through a title company after the required title, payoff, and approval work. Mortgage Forfeiture charges no company fee or commission; the settlement statement shows mortgages, liens, taxes, prorations, and your expected net before signing.
Every property is different. The offer is based on recent nearby sales, the house's condition, the work it needs, and what the title records show. Ask and I'll walk you through how I got to the number so you can compare it with your other options.
No. I buy houses in any condition: roof damage, foundation issues, outdated kitchens, hoarding situations, fire damage. Don't spend money fixing up a property before selling it to me. Anything you want to leave behind is written into the contract.
Mortgage Forfeiture does not charge a company fee or agent commission. The written contract states which transaction costs each party will pay. Before signing, the settlement statement shows mortgages, liens, taxes, prorations, and estimated seller net.
Closing time depends on ownership, title, payoff letters, liens, court orders, and other required approvals. Tell us about any deadline immediately; Roger will not promise a closing date until the title team confirms what is required.
A completed sale with lender payoff before the applicable deadline may stop the property from reaching a sheriff sale, but title work, lender payoff, and court timing control what is possible. It cannot guarantee credit outcomes. Contact your servicer, an attorney, or a HUD-approved housing counselor immediately.
Have questions? Call and we'll talk it through. No obligation, no pressure.
Call (502) 528-7273Ready?
Request a Written Property Offer
There's no cost and no commitment to find out what I'd offer for your house. Selling in the city? Start with we buy houses in Louisville, KY. In Clark County? See we buy houses in Jeffersonville, IN.
Get Your Free Cash Offer
No obligation. Roger will review the property information personally.