Elizabethtown, KY · Hardin County · Foreclosure
Can I sell my Elizabethtown house in foreclosure?
Our agreement of sale will often get a master commissioner's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Yes, a sale may still be possible if the loan can be paid off before the master commissioner's sale. The steps and timing depend on the stage of the Hardin County court case and the date in your papers.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy in Elizabethtown and Hardin County, Kentucky.
Call 888-274-5006 to talk about the house or the sale date.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what you know about the sale date.
How we work toward a closing
We look at the house, the current loan payoff, and the date in the court papers. We buy houses as-is in Elizabethtown and Hardin County, so you don't fix, clean, or clear out the property to sell to us. We give written offers and written terms before you commit; the closing is handled through a title company.
For a sale to us, the title company reviews title and works with the lender and other lienholders to confirm payoff figures for settlement. The closing statement shows how the sale proceeds and other settlement items are handled.
Which sale is on your notice?
Mortgage foreclosure
Kentucky mortgage foreclosures go through Circuit Court. The lender files a lawsuit; after a judgment for the lender, the court orders the house sold at a public auction run by a master commissioner. Under the state's master-commissioner rules, the sale generally takes place within 90 days after referral, two disinterested people appraise the house first, and the sale is advertised at least once from 7 to 21 days before the auction. The court must confirm the sale before the buyer receives a deed.
If the house sells for less than two-thirds of its appraised value, Kentucky law gives the owner six months to redeem it by repaying the sale price plus 10% interest and certain costs. That redemption right is tied to the auction result; it is not the same as time to sell before the auction.
Official details: Kentucky Supreme Court master-commissioner sale rules ↗, KRS 426.560 on judicial-sale advertising ↗, and KRS 426.530 on redemption after a qualifying sale ↗.
Delinquent property-tax sale
A county tax sale is a different process from a mortgage foreclosure case. Hardin County Clerk tax-sale information is the local route for a delinquent property-tax notice; do not use a mortgage foreclosure date or deadline for a tax-sale notice.
If the payoff is the problem
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. Back taxes and liens are separate from your mortgage payoff and your share of current property taxes.
What happens next
- Contact us with the property address and the date or notice you received.
- We give you a written offer and written terms before you commit.
- If you want to move ahead, the title company reviews title and confirms mortgage, lien, and tax payoff figures with the parties.
- The title company prepares the settlement figures and handles the closing process.
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Hardin County offices and sale information
For a mortgage foreclosure, use the date and case information in your court papers. The Kentucky Court of Justice Hardin County page ↗ lists local court contacts, including the Hardin County Justice Center.
For a delinquent county property-tax or tax-sale question, contact the Hardin County Clerk at 270-765-2171 or use its tax information and tax-sale page ↗. That is a separate route from a mortgage foreclosure case.
Questions and contact
Compare possible sale proceeds with the Elizabethtown home-sale calculator →. It is an estimate, not a property-specific offer. You can also read seller reviews or call 888-274-5006.
Foreclosure questions in Elizabethtown, KY
Can I sell my Elizabethtown house before a master commissioner sale?
Our agreement of sale will often get a master commissioner's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. A sale may still be possible if the loan can be paid off before the sale.
What happens in a Kentucky mortgage foreclosure sale?
The lender files a case in Circuit Court. If the lender gets a judgment, the court orders a public auction run by a master commissioner. The commissioner generally holds the sale within 90 days after referral; the house is appraised first, and the sale is advertised before the auction. The court confirms the sale before the buyer receives a deed. Your case papers and record show the current status and date.
Is a Hardin County tax sale the same as a mortgage foreclosure sale?
No. A mortgage foreclosure is a court case that can lead to a master commissioner's sale. Delinquent property-tax and tax-sale information follows a separate county process; use the Hardin County Clerk's tax-information route rather than a mortgage-sale date.
What if my mortgage payoff is more than the house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask your lender for the current payoff so the title and settlement figures can be reviewed.
Do I have to pay back taxes or liens before selling to you?
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. Your mortgage, liens, back taxes, and share of current property taxes are separate from the closing-cost promise.
Who pays Kentucky real estate transfer tax when I sell to you?
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.