USA Home Buyers

Paducah, KY › Foreclosure

Can I Sell My Paducah House Before Foreclosure?

If your house has not gone to auction yet, selling before the master commissioner’s sale may be an option if the mortgage payoff and closing can be ready in time. Call us with the sale date you have, and we can look at the timing with you.

USA Home Buyers buys houses in Paducah and McCracken County as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Call 888-274-5006

We give written cash offers in 24 hours.

Tell us about the Paducah house and any sale date you have.

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How we help you work toward closing

Call or use the form and tell us about the house and any sale date you have. No agent commissions when you sell to us. No fees.

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.

Which sale is involved?

Mortgage foreclosure

Kentucky mortgage foreclosures go through circuit court. The lender files a lawsuit; if it wins a judgment, the court orders the house sold at 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 in a newspaper at least once 7 to 21 days before the auction. The court confirms the sale before the buyer gets a deed.

The 90-day period starts when the case is referred to the commissioner, not when a payment is missed.

Property-tax matter

A delinquent property-tax matter or tax sale has its own notice and deadlines, separate from a mortgage-foreclosure case.

The McCracken County Clerk lists a separate contact for delinquent real-estate-tax questions.

If the house sells for less than two-thirds of its appraised value, Kentucky law gives the owner six months after the sale to redeem by repaying the sale price plus 10% interest and certain costs. Read 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.

We can look at the payoff and sale details with you.

What happens next

  1. 1. Contact us about the house and notice

    Call or use the form and tell us about the house and any sale date you have. You can call before you have every detail sorted out.

  2. 2. Review written offer terms

    You get a written offer and written terms before you commit. You can decide whether the offer works for you.

  3. 3. Check title and payoff details

    If you choose to proceed, we close through a title company. The title company reviews ownership, the mortgage payoff, liens, and closing documents.

  4. 4. Close through a title company

    When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. That does not cover your mortgage payoff, liens, back taxes, or share of current property taxes. 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.

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.

Local help in McCracken County

For delinquent real-estate-tax questions, the McCracken County Clerk lists a separate line at 270-444-4701.

McCracken County Clerk — official contact and services

Questions and contact

Compare your assumptions with the Paducah home-sale net-proceeds calculator.

What our sellers say

BBB A ratingRead our Google reviews
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
Alice Wforeclosure
“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.”
James R.Behind on Payments — Pre-Foreclosure

Frequently Asked Questions — Foreclosure in Paducah, KY

Can I sell my Paducah house before a master commissioner sale?

Selling before the auction may be possible if the mortgage payoff and closing are ready in time. If a master commissioner's sale is scheduled, tell us the date right away so we can try to close before it.

Is a property-tax sale the same as mortgage foreclosure?

No. A Kentucky mortgage foreclosure is a lender lawsuit in circuit court that can lead to a master commissioner auction. A delinquent property-tax matter has a separate notice and its own deadlines.

What happens at a Kentucky master commissioner sale?

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 referral. Two disinterested people appraise the house first, and it is advertised in a newspaper at least once 7 to 21 days before the auction. The court confirms the sale before the buyer gets a deed.

Can I redeem my house after a Kentucky foreclosure auction?

If the house sells for less than two-thirds of its appraised value, Kentucky law gives the owner six months after the sale to redeem by repaying the sale price plus 10% interest and certain costs.

What if my mortgage payoff is more than my Paducah house is worth?

The payoff and sale terms affect what can be paid from closing. We can look at them with you before you decide.

What if I have delinquent property taxes in McCracken County?

A delinquent real-estate-tax matter has its own notice and dates, separate from a mortgage foreclosure. The McCracken County Clerk lists a Delinquent Real Estate Tax contact at 270-444-4701.

Call USA Home Buyers at 888-274-5006 to talk through the house and the notice you received.

We give written cash offers in 24 hours.

Tell us about the Paducah house and any sale date you have.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

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