Georgetown, KY › Foreclosure
Can I Sell My Georgetown House Before Foreclosure?
Yes. A sale may still be possible before the master commissioner’s auction if the mortgage payoff, title work, and closing can be handled in time. If you already have a sale date, tell us when you call.
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.
Call 888-274-5006 — we answer 24/7.
How we help you work toward closing
We look at the house as-is, give you written terms before you commit, and work with the title company on the mortgage payoff and other closing details.
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 Scott County tax sales are different
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 a master commissioner. Scott County’s annual delinquent-tax sale is different: the County Clerk sells the previous year’s unpaid tax bills. Each process has its own notices and dates, so use the date on the notice or court papers you received.
In a mortgage case, 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. Read Kentucky Supreme Court Order 2024-40, AP Part IV for the sale rules.
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. See KRS 426.530 for the redemption rule and KRS 426.560 for judicial-sale advertising.
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’ll review the mortgage payoff and title details with 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.
What happens next
- Call or send us the property address and the date in your court papers or tax notice.
- You get a written offer and written terms before you commit.
- If you choose to proceed, we work with the title company on ownership, payoff details, and closing.
- If a master commissioner's sale is scheduled, tell us the date right away so we can try to close before it. 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.
Scott County court and tax-sale information
The Scott County Circuit Court Clerk’s office is at 119 N. Hamilton St. in Georgetown and can be reached at 502-863-0474. The Kentucky Court of Justice lists the office and explains how to request case records. For the master commissioner’s sale information, start with the sale date and contact shown in your court papers; the Kentucky Court of Justice also maintains a master commissioner directory. Scott County court contact information.
For a delinquent property-tax sale, the Scott County Clerk’s office is at 101 E. Main St. and can be reached at 502-863-7875. The Clerk explains its annual delinquent-tax sale and provides current-year delinquent tax information.
Compare a possible sale with the Georgetown home sale net proceeds calculator. You can also read about selling a Georgetown house with property liens.
Questions about foreclosure in Georgetown, KY
Can I sell my Georgetown house before the master commissioner’s sale?
Yes. A sale may still be possible before the auction if the mortgage payoff, title work, and closing can be handled in time. Tell us the date in your court papers and we can look at the timing with you.
Is a Scott County tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is a lender’s case in Circuit Court that can lead to a court-ordered auction of the house. Scott County’s annual delinquent-tax sale is a sale of unpaid tax bills and follows a separate process. Use the date and instructions on your tax notice, and contact the Scott County Clerk with questions about that sale.
What if the mortgage payoff is more than my Georgetown house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Can I redeem my house after a Kentucky foreclosure sale?
If a 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.
What our sellers say
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”
Talk with us about your Georgetown house
Call 888-274-5006 or use the form to tell us about the property and sale date.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.