Your Questions, Answered

How does your process work?

It's simple—just three steps:

1. Contact us with your property information
2. Complete the review—we examine the property, ownership, condition, and timing
3. Close properly—the title company completes title, payoff, and approval work

No repairs, no showings, no hassle. See our full process →

How fast can you close?

Closing time depends on ownership, title, payoff letters, liens, court orders, and other required approvals. Tell us about any deadline immediately; a closing date is set only after the title team confirms what is required.

Is your cash offer negotiable?

Ask Roger to explain the relevant nearby sales, property condition, expected work and risk, and title information used for the written offer. You may discuss any incorrect assumption before deciding.

What happens after I accept?

The transaction opens with a title company. It verifies ownership, searches title, obtains payoffs, prepares the settlement statement, and coordinates signing after required issues and approvals are resolved.

How much will you pay for my house?

Roger reviews relevant nearby sales, the property's condition, expected work and risk, and available title information before preparing a written offer. Ask to review the assumptions and compare the complete terms with other options. Compare direct and listed sales →

Are there any fees or commissions?

We do not charge a company fee or agent commission. The written offer and settlement statement identify the purchase price, any agreed closing costs, and required payoffs or prorations so you can review the estimated net before signing. Compare your options →

Can you help with liens or judgments?

Give known liens, judgments, and tax notices to the title company. It determines the valid payoff and whether the purchase price and other funds can satisfy the amounts required for closing.

Do I need to make repairs?

No! We buy houses as-is, in any condition. Whether your home needs minor updates or major repairs, we'll buy it. You don't need to clean, paint, or fix anything. We've bought houses with roof damage, foundation issues, mold, fire damage—you name it.

What types of properties do you buy?

Mortgage Forfeiture primarily reviews houses in its defined Southern Indiana and Louisville-area footprint. Other residential, land, or commercial properties are reviewed by address and property type before coverage is promised. See the situation overview →

What if I'm behind on payments?

A completed sale with lender payoff before the applicable sale deadline may prevent an additional foreclosure event, but it cannot guarantee credit outcomes. Contact your servicer, an attorney, or a HUD-approved housing counselor immediately. Learn about selling before foreclosure →

Can I sell during a divorce?

A sale generally needs every required owner's signature and must comply with court orders and the spouses' written agreement. The title company follows the authorized settlement instructions; a buyer cannot decide how marital proceeds are divided. Learn about selling during divorce →

What about inherited properties?

Roger can review an inherited property as-is and prepare a written offer for the authorized signer, estate lawyer, title company, heirs, or court to evaluate. The deed, will or trust, court appointment, ownership, liens, and required approvals control who may sell. Learn about selling inherited property →

What areas do you serve?

Our core area is Clark, Floyd, Harrison, Scott, and Washington counties in Southern Indiana, plus Jefferson, Bullitt, Oldham, Shelby, Hardin, and Nelson counties around Louisville. Properties outside the core are reviewed by address before coverage is promised. See the service-area details →

How long does Indiana foreclosure take?

Indiana uses judicial foreclosure, but there is no reliable one-size-fits-all month count. The summons, docket, judgment, and sheriff-sale notice control the dates in a particular case. Contact the servicer, an Indiana foreclosure attorney, or a HUD-approved counselor immediately. Review the source-backed process guide →

Can I still sell if the sheriff sale is scheduled?

A sale may still be possible, but title work, lender payoff, court orders, and the scheduled sale create hard deadlines. Contact the servicer, a foreclosure attorney, or a HUD-approved housing counselor immediately; do not rely on a promised closing date. Review foreclosure options →