Florence, KY · Boone County › Foreclosure
Can I sell my Florence house in foreclosure?
Yes. If the master commissioner’s auction has not happened, you may still have time to sell before it. We can review your notice, mortgage payoff, and title details with you and work toward closing.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call or use the form to talk through the sale date you’re facing.
We answer 24/7 at 888-274-5006.
How we help with a foreclosure sale
We look at the house as-is. You get a written offer and written terms before you commit, and we close through a title company. We work with you and the title company on the mortgage payoff and closing details.
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. No agent commissions when you sell to us. No fees.
A mortgage foreclosure and a property-tax sale are different
A Kentucky mortgage foreclosure is a lender’s lawsuit in Circuit Court. If the lender wins a judgment, the court orders the house sold at a public auction run by a master commissioner.
Court rules generally require the master commissioner to 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 between 7 and 21 days before the auction. The court must confirm the sale before the buyer gets a deed.
Those are mortgage-foreclosure deadlines. A delinquent property-tax sale has separate notices and deadlines, so we look at a tax-sale notice separately from the mortgage auction date. For delinquent Boone County property taxes, see the Boone County Clerk’s delinquent-tax information.
If the foreclosure sale brings less than two-thirds of the appraised value, Kentucky law lets the owner redeem within six months by repaying the sale price plus 10% interest and certain costs. Read KRS 426.530 on redemption, KRS 426.560 on sale advertising, and the Kentucky Supreme Court’s master commissioner sale rules.
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.
We can review the mortgage payoff and other title details with you and the title company as we work toward closing.
What happens next
- Call or use the form to tell us about the Florence house and the foreclosure notice or auction date.
- We review the house and give you a written offer and written terms before you commit.
- If you choose to sell, we work with you and the title company on title and payoff details. If a master commissioner's sale is scheduled, tell us the date right away so we can try to close before it.
- 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.
Boone County court and tax information
For Boone County court and case questions, the Kentucky Court of Justice lists the Circuit Court Clerk at the Boone County Justice Center, 6025 Rogers Lane, Room 141, Burlington, KY 41005. Call 859-448-2900 or visit the Kentucky Court of Justice — Boone County.
For an unpaid Boone County property-tax bill, see the Boone County Clerk’s delinquent-tax information.
Questions and contact
Estimate possible sale proceeds with the Florence home-sale calculator →
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions about selling before foreclosure in Florence, KY
Can I sell my Florence house before a master commissioner’s sale?
If you have an auction date, call us and we can review the notice, payoff, and time to close with you.
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is a lender’s court case about a home loan. A delinquent property-tax sale is separate and has its own notices and deadlines. We look at a tax-sale notice separately from a mortgage-auction date.
Can I redeem my house after a Kentucky foreclosure auction?
If the sale brings less than two-thirds of the appraised value, Kentucky law lets the owner redeem within six months by repaying the sale price plus 10% interest and certain costs.
What if the mortgage payoff is more than my Florence house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. We can review the payoff with you and the title company as we work toward closing.
Call 888-274-5006 to talk through the notice and timing, or use the form below.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.