Can I Sell My Erlanger House in Foreclosure?

How we help with a foreclosure sale

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

You get a written offer and written terms before you commit, and we close through a title company.

No fees. No agent commissions when you sell to us.

When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.

Mortgage foreclosure and property-tax sales have different notices

A Kentucky mortgage foreclosure is a lender’s lawsuit in Circuit Court. If the lender wins a judgment, the court orders a public auction run by the master commissioner. The commissioner generally must hold the sale within 90 days after the case is referred. Two disinterested people appraise the house first, and the sale is advertised at least once, 7 to 21 days before the auction. The court must confirm the sale before the buyer receives a deed.

A property-tax sale is a separate process involving unpaid taxes, with its own notice and deadlines. For Kenton County property-tax bill questions, the Sheriff’s Office is the local contact. If you have a tax-sale notice, call us — we’ll sort out which process and dates you’re facing.

Kentucky Supreme Court master commissioner sale rules · Kentucky judicial-sale advertising law

If the foreclosure sale has happened

If the house sells for less than two-thirds of its appraised value, Kentucky lets the owner redeem it within six months by repaying the sale price plus 10% interest and certain costs. That six-month deadline applies only when the sale price is below two-thirds of the appraisal.

Kentucky’s six-month redemption law, KRS 426.530

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.

What happens next

Call or use the form. We’ll review the court papers with you and ask the title company to request the lender’s payoff. We’ll work toward closing before the scheduled sale.

Keep using the date in your court papers until the court or master commissioner confirms a change.

Close as fast as 7 days when title and closing details allow.

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.

Kenton County help and records

The Kenton County Sheriff handles property-tax bill questions. The Kenton County Clerk handles real-estate deeds and records.

• Kenton County Sheriff property-tax information
• Kenton County Clerk — deeds and records