We Buy Houses Across Kentucky

Kentucky uses a judicial (court-supervised) process, typically taking 6 to 12 months from the first missed payments to a completed sale. Kentucky foreclosures run through circuit court with a court-appointed Master Commissioner conducting the sale; the property must be appraised before auction.

If a Kentucky home sells at foreclosure for less than two-thirds of its appraised value, the owner gets a 6-month right of redemption — otherwise there is none. If you're behind on payments anywhere in Kentucky, the earlier you act, the more equity and options you keep.

Kentucky probate stays open a minimum of six months for creditor claims. The state's 'dispensing with administration' shortcut caps at $30,000, so inherited houses go through District Court probate. For heirs, the practical takeaway: expect roughly 6 to 12 months of administration for an estate with a house — and know that in most cases the property can be sold during that window rather than after it.

Kentucky's deed tax is $0.50 per $500 of value, paid by the seller — about $300 on a $300,000 home. In a typical network cash sale, the buyer covers standard closing costs and there are no commissions — so the offer you accept is very close to the number on your settlement statement.