Mayfield, KY · Graves County · Foreclosure
Can I Sell My Mayfield House in Foreclosure?
If a master commissioner's sale is scheduled, tell us the date right away so we can try to close before it. If the mortgage payoff can be handled through the sale and there is time to close, selling before the auction may be possible.
USA Home Buyers buys houses in Mayfield and Graves County, Kentucky. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We answer 24/7 at 888-274-5006.
Call 888-274-5006How we help with a Mayfield foreclosure sale
You get a written offer and written terms before you commit, and we close through a title company.
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.
If you choose to sell, we work with 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.
Mortgage foreclosure and tax sale are different
A Kentucky mortgage foreclosure is a lawsuit in circuit court. If the lender wins a judgment, the court orders a public auction run by a master commissioner. Under the Kentucky Supreme Court master commissioner sale rules, 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 confirms the sale before the buyer gets a deed.
If the house sells for less than two-thirds of its appraised value, Kentucky law lets the owner redeem it within six months by paying the sale price, 10% interest, and certain costs under Kentucky law on redemption after a judicial sale.
A delinquent property-tax sale is separate from a mortgage foreclosure and has its own notice and deadline. Postponing a master commissioner’s mortgage sale does not postpone a tax sale.
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.
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 work with the title company on the mortgage payoff and other liens as we work toward closing.
What happens next
- Call us at 888-274-5006 or use the form. We can start with what you know about the Mayfield house and the notice you received.
- We review the house as-is and give you a written offer and written terms before you commit.
- If you choose to sell, we close through a title company and work through title, payoff, tax, and lien 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.
Mayfield court and tax-sale information
The Kentucky Court of Justice lists Graves County court information. The Graves County Clerk provides real-estate recording and delinquent real-estate-tax service information.
- Kentucky Court of Justice — Graves County
The page lists the temporary courthouse and Circuit Court Clerk at 1102 Paris Road, Suite 21, Mayfield, KY 42066; phone (270) 247-1733.
- Graves County Clerk
The county page includes real-estate recording and delinquent real-estate-tax service information.
Mayfield foreclosure questions and contact
Frequently asked questions
Can I sell my Mayfield house before a master commissioner’s sale?
If a master commissioner's sale is scheduled, tell us the date right away so we can try to close before it. If the mortgage payoff can be handled through the sale and there is time to close, selling before the auction may be possible.
Is a mortgage foreclosure the same as a property-tax sale?
No. A Kentucky mortgage foreclosure is a court case about the mortgage loan. A delinquent property-tax sale follows a separate process with its own notice and deadline. Postponing the master commissioner’s mortgage sale does not postpone a tax sale.
What if the payoff is more than my Mayfield 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 work with the title company on the payoff and other liens as we work toward closing.
What happens if the master commissioner has already held the auction?
The court confirms the sale before the buyer receives a deed. If the house sells for less than two-thirds of its appraised value, Kentucky law lets the owner redeem it within six months by paying the sale price, 10% interest, and certain costs.
What happens after I contact USA Home Buyers?
We review the house as-is and give you a written offer and written terms before you commit. If you choose to sell, we close through a title company and work through title and payoff details toward closing.
Estimate possible sale proceeds with the Mayfield calculator → Use it as a planning estimate, not a property-specific offer or payoff statement.
We answer 24/7 at 888-274-5006.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.