Skip to main content
How to Avoid
Foreclosure
Get free help

Kentucky · Get help now

Foreclosure sale date set in Kentucky: what you can still do

Once a Kentucky master commissioner's sale is scheduled, time is short: the sale must happen within 90 days of the referral order and may be advertised only once. You can still try to work things out with the servicer until the home is actually sold. Get legal aid or a lawyer involved today, because most of the remaining options run through the court.

Free HUD counselor: (800) 569-4287

Reviewed against Kentucky law and official sources on October 11, 2026. General information, not legal advice.

Tell us your sale date

Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.

For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Options still open before a sale in Kentucky

  • Confirm the sale date and get the appraisal

    Now, and again the day before the sale

    Call the master commissioner's office for your county with your case number. The Kentucky Court of Justice lists official auction websites for judicial sales in a number of counties, including Jefferson, Fayette, Kenton, Boone, Campbell and Warren. Ask for the appraised value, or get the appraisal from the court file at the circuit court clerk's office.

    KRS 426.520(2)

  • Get a complete application to your servicer

    More than 37 days before the sale

    A complete loss mitigation application received more than 37 days before the sale must be evaluated within 30 days under federal rules. Because Kentucky sales can be set on short notice, send it the moment you get the judgment, and ask in writing that the sale be withdrawn while you are reviewed.

    12 C.F.R. § 1024.41(c)(1)

  • Reach a workout and have the sale pulled

    Before the home is sold

    Kentucky Housing Corporation says a workout is possible until the property is actually sold, but the servicer does not have to agree. If you reach one, get it in writing and make sure the lender's lawyer tells the court and the master commissioner, since the sale is being held under a court order.

  • Talk to an attorney about bankruptcy

    The case must be filed before the sale

    Filing bankruptcy puts an automatic stay on the sale. Kentucky's legal aid programs describe Chapter 13 as a way to catch up on the mortgage over three to five years. It is a serious step, so get advice from a bankruptcy attorney or legal aid before you file.

    11 U.S.C. § 362(a)

  • Check the sale against the rules

    From the sale until the court confirms it

    The home must be appraised before the sale, and the advertisement must run at least once 7 to 21 days ahead with the time, place, terms, case number and address. If something was skipped, a lawyer can object to the commissioner's report before the judge confirms the sale.

    KRS 426.520; KRS 426.540; Ky. AP Part IV, § 5(2), (3)

  • Watch the sale price for the two-thirds rule

    Sale day, then 6 months

    If the winning bid is under two-thirds of the appraised value, you have 6 months to redeem by paying the price, 10% yearly interest and the buyer's upkeep costs to the circuit court clerk. If the bid is two-thirds or more, there is no redemption, so plan your move.

    KRS 426.530

Call today, not tomorrow

With a sale on the calendar, every option above has a cutoff. A free HUD-approved housing counselor can call your servicer with you today: (800) 569-4287. For legal aid and court help, see free foreclosure help in Kentucky.

Common questions in Kentucky

How do I find out when my house will be sold by the master commissioner in Kentucky?

Ask the master commissioner's office in your county, and watch the local newspaper for the advertisement, which runs at least once 7 to 21 days before the sale. The Kentucky Court of Justice also links to official auction websites for some counties. In Jefferson County, the commissioner's website lists upcoming sales, which are held on scheduled Fridays at 9:30 a.m. at the Hall of Justice.

Is there a deadline to pay and stop a master commissioner's sale in Kentucky?

Kentucky statutes do not set a last day or hour for stopping a sale by paying. The judgment gives a short time to pay the full amount, and Kentucky Housing Corporation says a workout remains possible until the home is sold. In practice the lender has to agree and tell the commissioner, so do not leave it to sale morning.

Can a Kentucky foreclosure sale be held at my house instead of the courthouse?

It can. Sales under a court order are held at the courthouse door unless the order says otherwise, but under KRS 426.522, when the lender asks for a licensed auctioneer, the sale is held at the property unless the auctioneer decides another place in the county is better. The advertisement states the place.

What does a buyer have to pay at a Kentucky master commissioner's sale?

Under the statewide rules, the winning bidder pays in full or puts down 10% and gives a bond for the balance, due in 30 days with interest. The lender can bid on credit up to the amount of its judgment. This matters to you because a sale is not complete until the price is paid and the court confirms it.

Step by step

More on foreclosure in Kentucky

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

Back to the Kentucky overview

Free, official, nationwide

Free help anywhere in the country

Sources for this page

  1. Kentucky Court of Justice, Master Commissioners (auction websites for judicial sales)
  2. Kentucky Justice Online, Find Legal Help Near You
  3. CFPB, Regulation X, 12 C.F.R. § 1024.41 Loss mitigation procedures
  4. 11 U.S.C. § 362, Automatic stay (Legal Information Institute)
  5. KRS 426.005, Personal judgment in action to enforce mortgage or lien
  6. KRS 426.006, Other liens to be stated in action to enforce lien
  7. KRS 426.205, Sale of vacant and abandoned real property
  8. KRS 426.260, Motion for possession by purchaser
  9. KRS 426.500, Surplus proceeds of sale
  10. KRS 426.520, Appraisal of real property before judicial sale
  11. KRS 426.522, Public, judicial sale by licensed auctioneer (amended effective July 15, 2026)
  12. KRS 426.525, Mortgage foreclosure forbidden; rights of mortgagee after default
  13. KRS 426.530, Right of redemption
  14. KRS 426.540, Redemption right may be sold; report of sale
  15. KRS 426.560, Newspaper advertisement required in execution and judicial sales
  16. KRS 426.700, Time, place and terms of sale; notice
  17. KRS 426.705, Bond required of purchaser
  18. KRS 424.130, Times and periods of publication
  19. KRS 454.165, Personal judgment against defendant constructively summoned forbidden
  20. KRS 427.060, Homestead exemption; exceptions
  21. KRS 286.2-020, Required disclosure of Kentucky Homeownership Protection Center services
  22. KRS 380.010, Debt adjusting definitions
  23. KRS 380.030, Persons exempt from classification as debt adjuster
  24. KRS 380.040, Persons engaged in debt adjusting: prohibitions and registration
  25. KRS 380.060, Contract, disclosure and debtor's right to cancel
  26. KRS 380.110, Cause of action for violation of KRS Chapter 380
  27. Supreme Court of Kentucky Order 2024-40 (corrected, entered January 21, 2025), AP Part IV, Master Commissioners of the Circuit Court
  28. Jefferson Circuit Court local rules
  29. Jefferson Circuit Court Master Commissioner
  30. Kentucky Homeownership Protection Center, home page (HAF closure notice)
  31. Kentucky Homeownership Protection Center, Homeowner Assistance Fund eligibility page
  32. Kentucky Homeownership Protection Center, Foreclosure Process
  33. Kentucky Homeownership Protection Center, Resources
  34. U.S. Department of the Treasury, Homeowner Assistance Fund
  35. Kentucky Justice Online, Foreclosure (last updated August 20, 2024)
  36. Kentucky Court of Justice, Legal Self-Help
  37. Kentucky Attorney General, Consumer Complaints
  38. Kentucky Department of Financial Institutions, Submit an Online Complaint
  39. Kentucky Bar Association, Lawyer Referral Services
  40. Kentucky Department of Revenue, Homestead Exemption