Kentucky Foreclosure Help – Stop Foreclosure in Kentucky


Finding Foreclosure Help in Kentucky

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services.


Dept. of Housing and Urban Development
Gene Snyder Courthouse
601 W. Broadway, Room 110
Louisville, KY 40202

Phone: (502) 582-5251

Fax: (502) 582-6074
TTY: (800) 648-6056

Jurisdiction: State of Kentucky

Krista Mills
Field Office Director

Office Hours: 8:00 a.m. to 4:45 p.m.,
Monday through Friday

Kentucky Foreclosure Laws Summary

Quick Facts:

  • Judicial foreclosure process is available.
  • Non-judicial foreclosure process is not available.
  • The primary security instruments are mortgages.
  • The timeline can vary by process.
  • The borrower has rights of redemption.
  • The lender may sue for deficiency judgements but with restrictions.

Lenders in Kentucky may foreclose on mortgages in default through a judicial foreclosure process.

Judicial Foreclosure
In the judicial foreclosure process, the lender files a lawsuit to obtain a court order to foreclose. If the court finds that the borrower is in default, it sets a time period for the borrower to cure the default. If the borrower is unable to pay his debts within the allotted time, the property will then be advertised for sale.

The property will first be appraised before it can be put up for auction. If the winning price is less than 2/3 of the appraised value, the borrower has 12 months to match this price plus interest to be able to reclaim the property.

If the borrower is personally served with a lawsuit or fails to answer, a deficiency judgment may be filed. This amount can only be the difference between the foreclosure sale price and the original mortgage price.