Behind on payments, inherited a house, or facing repairs you can't afford? Start with the guide for your situation. Each one is written for Indiana and Kentucky homeowners by Roger Choate, a local direct buyer.
A source-backed overview of judicial foreclosure, federal servicing rules, court sales, and options to review.
Read ArticleFBI complaint data show real estate fraud losses rising. How deed theft works, free county property fraud alerts in Indiana and Kentucky, and what to do if you spot a suspicious filing.
New Albany extends its apartment construction moratorium into 2026. What the ban means for housing supply, home values, and the local rental market.
Scottsburg approves 307-lot Maple Run Estates subdivision backed by $1.875M state loan. What Scott County growth means for existing homeowners.
E&H Tubing invests $4 million in Salem with up to 40 new jobs. How manufacturing revival is affecting Washington County housing demand.
Current statewide data and the property-specific factors that affect a sale timeline, with clear limits on any estimate.
Use an owner-specific worksheet for insurance, taxes, utilities, maintenance, security, and other holding costs before choosing what to do next.
How to document a possible servicing error, use the written notice process, and find qualified help before a foreclosure deadline.
How Indiana tax sales work in Clark County: who is listed, how notice is given, what redemption costs, and which county offices to contact.
Source-backed options to review during Kentucky judicial foreclosure, including servicer help, counseling, sale, and legal advice.
What credit reports may show after foreclosure, why score outcomes vary, and where to find qualified help.
Tax liens piling up on your property? Understand the different types of liens, how the tax sale process works in both states, your redemption window, and how to sell before you lose the property.
Considering bankruptcy and wondering what happens to your house? Learn the differences between Chapter 7 and Chapter 13, homestead exemptions in both states, and when selling makes more sense than filing.
House been condemned? You still have options. Learn how the condemnation process works in both states, how to avoid demolition liens, and why the land alone may have real value.
Dealing with squatters on your property? Understand adverse possession laws in both states, the legal removal process, prevention tips, and how to sell a property with squatter issues.
Mold can complicate a home sale. Learn about EPA cleanup guidance, disclosure requirements in both states, and how an as-is sale compares.
Thinking about selling your home yourself? Learn the costs, Indiana and Kentucky disclosure rules, and how FSBO compares with listing or a direct sale.
Foundation problems can complicate a home sale. Learn about repair estimates, Indiana and Kentucky disclosure rules, and how an as-is sale compares.
Water damage from floods, burst pipes, or roof leaks? Learn about FEMA flood zones, insurance basics, disclosure rules, and how to compare repairing with an as-is sale.
Considering owner financing? Learn how it works, Dodd-Frank compliance rules, the pros and cons for sellers, and when accepting a cash offer is simpler and safer.
Behind on HOA dues? Learn how HOA liens work in both states, whether your HOA can foreclose, and how liens get resolved at closing when you sell.
Learn how medical debt can threaten your home in Indiana and Kentucky, plus legal protections, settlement options, and how selling can provide a fresh start.
Unpermitted additions can complicate a home sale. Learn about retroactive permitting, Indiana and Kentucky disclosure rules, and how an as-is sale compares.
A source-backed guide to authority to sell, probate, mortgage servicing, tax basis, title work, and sale options.
Should you list your house with an agent or sell directly to a cash buyer? We break down the real numbers, timeline, and trade-offs so you can decide.
Code violation fines adding up? Learn what happens if you ignore them, whether you have to fix them before selling, and how to sell a house with open violations quickly.
Time-sensitive options to review with the servicer, a counselor, an attorney, and a closing professional.
Going through a divorce and need to sell the house? Learn how property division works in Indiana and Kentucky, when you can sell, and how to make it as painless as possible.
Roger provides free, no-obligation consultations for homeowners in any situation. Call to discuss your options.
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