Stop foreclosure in Kentucky.

How foreclosure works in Kentucky

• Every foreclosure runs through Circuit Court with a master commissioner sale
• The two-thirds appraisal rule discourages lowball auction results
• Judicial timelines leave months of workout runway

Redemption & second chances

6-month redemption only if the home sells for less than two-thirds of appraised value.

What this means for you

Kentucky's two-thirds rule is quiet homeowner protection — it pressures sales toward real value and creates redemption rights when they fall short. Still, the reliable path is resolving the case before the commissioner's sale, where every option remains on the table.

Your options in Kentucky

Every tool in the national playbook works in Kentucky — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short