Stop Foreclosure in Kentucky: Sell Before the Master Commissioner Sale
Kentucky foreclosures run through the Circuit Court, so there is usually time to sell before the sale date. We buy as-is and close after inspection and title review, with the lender paid from the proceeds.
Get Your Cash Offer NowHow Foreclosure Works in Kentucky
Kentucky is a judicial foreclosure state. The lender files a lawsuit in the Circuit Court of the county where the property sits. If the court enters a judgment, it orders the property sold, and the sale is run by the court's Master Commissioner, not by the lender.
Before the sale, the property is appraised. Under KRS 426.530, if the sale brings less than two-thirds of the appraised value, the owner can redeem the property within six months of the sale by paying the sale price plus 10% annual interest and the buyer's reasonable upkeep costs.
Because every step goes through the court, a Kentucky foreclosure usually leaves time to compare options. A voluntary sale before the Master Commissioner sale lets you set the price with a buyer instead of an auction, and any equity above the payoff goes to you.
An offer alone does not pause a foreclosure case. The sale must cover the payoff, or the lender must approve another resolution. Your closing professional confirms the payoff, and your attorney or servicer confirms how the case is dismissed.
Counties we serve in Kentucky: Jefferson, Fayette, Warren, Daviess, Kenton, and others, see all Kentucky cities we serve.
Our 3-Step KY Foreclosure Sale Process
KY Property Review, Even With a Case Pending
We review the property in person or remotely. Tell us the case number and any sale date right away so the timeline is clear from the start.
Written Cash Offer With the Payoff Built In
You get a written offer after property review. The title company orders the payoff from your servicer, and the agreement shows what you receive after the loan is paid.
Close Before the Sale Date
We close with a Kentucky title company. The lender is paid at closing, the foreclosure case is dismissed, and any remaining proceeds go to you.
Frequently Asked Questions
How fast can I sell before a Kentucky foreclosure sale?
Closing normally follows 2–3 weeks after an inspection period of about 10 business days, subject to title and contract requirements. Because Kentucky foreclosures go through the court, many owners still have time to sell before the Master Commissioner sale. Share your sale date when you contact us.
Who runs foreclosure sales in Kentucky?
The Master Commissioner of the Circuit Court, an officer appointed by the court. The sale happens only after the court enters a judgment and orders the property sold.
Can I get my house back after a Kentucky foreclosure sale?
Sometimes. Under KRS 426.530, if the property sells for less than two-thirds of its appraised value, the owner can redeem it within six months of the sale by paying the sale price, 10% annual interest and the buyer's reasonable upkeep costs. Selling before the sale avoids relying on that.
What if I owe more than the house is worth?
Then a sale needs your lender's approval to accept less than the full payoff (a short sale). We can make an offer and work with the lender, but the lender decides whether to approve it.
Can I stay in the house until closing?
Yes. You keep possession until the closing date, and we do not require an early move-out.
Kentucky Foreclosure Resources
Get Your Kentucky Foreclosure Cash Offer
Closing depends on inspection, title and the contract. Your closing professional confirms the lender payoff; an offer does not stop a foreclosure case on its own.
Use the form below to share your property details and request a no-obligation cash offer.