A Real Buyer — Not a National Chain
Most of the companies that flood your mailbox with "We Buy Houses" postcards are lead aggregators or national franchises. They collect your information and sell it to investors you have never heard of, or they tie up your property with a contract while they look for an end buyer. That is not what this is.
Roger is the buyer. He is based in Jeffersonville, has been purchasing properties on both sides of the river since 2012, and personally handles every transaction from the first call to the closing table. When you call the number on this site, you talk to the person who will actually buy your house. There is no call center, no franchise fee baked into the offer, and no hand-off to someone else once you agree on a price.
That matters for sellers in Louisville because the market here rewards relationships and local knowledge. Roger knows what a brick ranch in Shively actually needs versus what one in St. Matthews typically brings on the open market. That specificity is how we offer prices that make sense for both sides — not generic lowballs, and not inflated numbers we later renegotiate away.
Our 7-Step Cash Buying Process — Explained Honestly
No mystery, no pressure. Here is exactly what happens from the moment you reach out to the moment you have money in your account.
You Contact Us — Takes Two Minutes
Call (502) 528-7273 or fill out the short form on this site. We ask for your address, a general description of the property's condition, and how to reach you. That is it. No paperwork, no obligation, no hard sell on the first call. If you are not ready to sell and just want to understand your options, that conversation is completely fine and costs you nothing.
We Pull Comparable Sales and Review the Property
Before we ever talk numbers, we research recent closed sales on similar homes in your specific Louisville neighborhood — not countywide averages, but actual transactions as close to your address as possible. We look at square footage, age of home, lot size, and condition of what sold. This is the same data a listing agent would use to price your home, and it gives us a legitimate foundation for the offer instead of a guess.
We Walk the Property — or Review Photos
For most Louisville-area homes we prefer a quick in-person walkthrough. This typically takes 20 to 30 minutes and is low-key — we are assessing what the house needs, not staging a high-pressure sales visit. If you are out of state, dealing with an estate, or simply prefer not to have someone in the home yet, we can work from photos and a detailed description.
You Receive a Written Cash Offer Within 24 Hours
After the walkthrough, you receive a written offer within 24 hours — usually the same day. The offer accounts for the comparable sales we pulled, the cost of any repairs the property realistically needs, and a margin that allows us to operate as a business. We show our math if you ask. The number is not inflated to win the contract and then reduced at inspection. What you see is what we intend to close at.
We Address Your Situation — Liens, Back Taxes, Mortgage Payoff
A lot of sellers who come to us have complicating factors: back property taxes, an HOA lien, a second mortgage, a loan modification in process, or active foreclosure proceedings. We work through all of it. If there are liens on the property, they get resolved at closing through the title company — you do not write a check before we close.
We Open Title and Schedule Closing
Once you sign the purchase agreement, we immediately open title at a licensed Louisville-area title company. They conduct a full title search, prepare the closing documents, and handle the fund transfer. You will receive a preliminary HUD settlement statement before the closing date so you know exactly what you will walk away with. Standard closing timeline is 14 to 21 days. If the title is clean and you need to move faster, seven days is achievable.
You Close and Receive Your Funds
On closing day, you sign documents at the title company and funds are wired to your account — typically the same business day or the following morning. You leave behind whatever you do not want to take with you. Furniture, appliances, boxes, tools, junk in the garage — none of it is your problem. We handle the cleanout after closing. You get your money and you move forward.
What You Skip When You Sell to Us
The traditional home sale process in Louisville involves a long chain of steps, people, and costs — many of which have nothing to do with actually getting your house sold. Here is what you do not deal with when you sell directly:
We Buy Houses Across All of Louisville — Including These Key Areas
Every Louisville neighborhood has its own housing stock, price range, and seller profile. Here is a closer look at three of the areas we buy in most frequently.
St. Matthews
Median ~$320,000–$375,000 (2026)St. Matthews is one of Louisville's most active residential markets — a mix of 1950s and 1960s brick ranches on the west side of Breckenridge Lane, newer infill construction near Westport Road, and postwar colonials throughout. Where we get the most calls: estate sales where heirs are out of state, older ranches that need full kitchen and bath updates, and sellers who need a firm closing date without contingencies.
Proximity to Beargrass Creek means some parcels have flood zone considerations — we know the area and price accordingly.
The Highlands
Median ~$350,000–$600,000+ (2026)The Highlands runs along Bardstown Road and Baxter Avenue with housing ranging from turn-of-the-century Victorians near Cherokee Park to craftsman bungalows closer to Broadway. Many of the older Victorians carry deferred maintenance requiring $80,000 to $150,000 in updates to command top-of-market prices. Sellers who inherit these homes often prefer a direct sale at a fair price over an 8-month renovation project.
Prospect
Median ~$450,000–$800,000+ (2026)Prospect sits on the eastern edge of Jefferson County bordering Oldham County. Larger homes on bigger lots — 1980s and 1990s construction in subdivisions like Fox Run and Hunting Creek. At this price point, agent commissions alone on a $650,000 home represent $32,000 to $39,000 out of pocket before repairs, staging, and carrying costs. Cash buyers become genuinely competitive for sellers who prioritize certainty and speed.
We also actively purchase in Shively, Fern Creek, Okolona, Valley Station, Fairdale, Pleasure Ridge Park, Highview, Middletown, Lyndon, Newburg, Jeffersontown, Germantown, Crescent Hill, NuLu, Old Louisville, Butchertown, Norton Commons, and every other Louisville neighborhood. See the full list of areas we serve →
Common Situations Louisville Sellers Come to Us With
There is no single type of seller who uses a cash buyer. The common thread is that a traditional listing does not fit the situation — either because of time, condition, finances, or circumstances.
Foreclosure or Missed Payments
If you are behind on your mortgage, we can often move fast enough to close before a sale date is set. Timing matters — the earlier you call, the more options exist.
How to stop foreclosure →Probate and Inherited Property
Inherited houses often come with deferred maintenance, emotional attachment, and out-of-state heirs who cannot coordinate a traditional sale. We handle probate properties regularly.
Selling a probate property →Divorce
When a marriage ends, shared property needs to be resolved cleanly and quickly. A cash sale with a defined closing date removes the house as an ongoing point of conflict.
Selling during divorce →Major Repairs Needed
Foundation issues, roof failure, electrical problems — houses that need significant work are difficult to list conventionally. We buy them as-is. You do not fix anything.
Selling a house with major repairs →Tired Landlords
Managing rental property in Louisville gets old. Problem tenants, late rents, maintenance calls at midnight — we buy occupied rentals and handle the tenant situation after closing.
Selling a rental with bad tenants →Relocation or Job Transfer
When you need to be somewhere else on a specific date, a traditional listing with its contingencies and 60-day closes does not work. We set the closing date to match your move.
Selling for relocation →Back Taxes or Liens
Property tax delinquency, HOA liens, contractor liens, and second mortgages all get resolved at closing through the title company. You do not need to clear them in advance.
Selling with back taxes or liens →Hoarding or Severe Condition
We have purchased heavily hoarded properties, homes with animal damage, and houses that have not been touched in years. Condition is not a disqualifier — it affects the price, not whether we buy.
Selling a hoarded or distressed property →We Buy Houses on Both Sides of the Bridge
Mortgage Forfeiture is based in Jeffersonville, Indiana — directly across the Ohio River from Louisville. We are as active in Clark County and Floyd County as we are in Jefferson County, Kentucky. For sellers in Jeffersonville, New Albany, Clarksville, Sellersburg, or Charlestown, the process is identical and the timelines are the same.
Southern Indiana carries a distinct housing market from Louisville proper. New Albany's older stock — much of it pre-1960 construction with deferred maintenance — generates consistent demand from cash buyers who can take on renovation work that retail buyers cannot. Jeffersonville's proximity to downtown Louisville and the growing employment base near the River Ridge Commerce Center means values have moved meaningfully in the past decade.
Cash Sale vs. Traditional Listing — The Real Numbers
The sticker price on a traditional listing looks higher — but by the time you subtract commissions, closing costs, repairs, and holding costs, the net to seller is often much closer than it appears.
| Factor | Cash Sale to Us | Traditional Listing |
|---|---|---|
| Closing timeline | 7–21 days | 45–90+ days |
| Agent commission | $0 | 5–6% of sale price |
| Closing costs paid by seller | $0 — we cover all | 1–3% typical |
| Repairs required before sale | None | Often $10,000–$40,000+ |
| Home inspection negotiation | None | Common — reduces net price |
| Staging and cleaning | Not required | $1,500–$5,000 typical |
| Showings and open houses | None | Weeks to months of disruption |
| Financing contingency risk | No — cash, no financing | Yes — deals fall through regularly |
| Items left behind | Leave anything you want | Must be cleaned out before closing |
| Certainty of close | High — cash in hand | Lower — contingencies, appraisals |
On a $300,000 Louisville home, agent commission alone is $15,000–$18,000. Add repairs, closing costs, and carrying costs during a 75-day listing, and a cash offer at $265,000 can net more than an accepted offer at $295,000.
Louisville & Southern Indiana Homeowners We Have Helped
"My mother passed and left us a house in Shively that needed a lot of work. We were not in a position to deal with repairs or a realtor. Roger made us a fair offer within a day and we closed in about two weeks. He handled everything and never made us feel pressured. Exactly what we needed during a really hard time."
"I was skeptical at first but the process was completely straightforward. We closed in 11 days. I did not clean anything out, did not fix anything, did not pay a single fee. The number offered was honest and there was no renegotiation at the last minute. I wish I had called sooner."
"We were behind on payments and running out of time. Roger was upfront about everything from the first call — what he could offer, why, and how the process works. No runaround, no bait and switch. He bought our house in Clarksville and we walked away without a foreclosure on our record. Genuinely grateful."
Questions Louisville Sellers Ask Us
Straight answers to the questions that come up on almost every first call.
Ready to Get a Cash Offer on Your Louisville Home?
Call Roger directly or fill out the short form. You will have a written offer within 24 hours — no obligation, no pressure, no cost to you.
Serving Louisville, KY and Southern Indiana — Jefferson, Clark, Floyd, Harrison, and Scott Counties