We buy houses for cash across Kentucky, from shotgun houses in Louisville to older homes near downtown Lexington. Inherited, in probate, behind on payments, rented out, damaged or empty, we can make you an as-is offer.
We buy houses in all 50 states. These are just some of the areas we serve. Don't see your city? We still want to hear from you.
Kentucky cities we buy in
- Louisville (Jefferson County)
- Lexington (Fayette County)
Your Kentucky town isn't on the list? We still buy there. Call 407-775-2255.
How foreclosure works in Kentucky
Kentucky is a judicial foreclosure state. The lender files suit in the county Circuit Court, and after a judgment the house is usually sold by the court's Master Commissioner. Federal servicing rules generally stop a lender from filing until a borrower is more than 120 days behind.
Before the sale, the house is appraised. If it sells for less than two-thirds of the appraised value, the owner can redeem it within six months by paying the sale price plus 10% annual interest and the buyer's costs.
What that means for you: Kentucky foreclosures take months, so there is usually time to sell and protect your equity. Call before the commissioner's sale is scheduled.
Inherited houses and probate in Kentucky
In Kentucky, probate is handled by the District Court in the county where the person lived. The court appoints an executor or administrator, who can sell the house for the estate.
- Dispensing with administration: Kentucky has no flat small-estate dollar limit. When the surviving spouse's or children's statutory exemption, plus preferred claims like funeral costs, is at least as much as the estate's assets, the court can skip full administration (KRS 395.455). This mainly covers personal property, not a house.
- Heirs and real estate: inherited real estate often passes to heirs who all need to sign a sale, so families spread across several states are common. We work with every heir and the estate's attorney.
See inherited houses and probate.
Transfer tax
Kentucky charges a real estate transfer tax of 50 cents per $500 of value ($1 per $1,000). By law it is a tax on the seller (grantor), and the county clerk collects it when the deed is recorded.
Kentucky landlords
Louisville and Lexington follow Kentucky's Uniform Residential Landlord and Tenant Act, where a landlord must give a written seven-day notice to pay before ending the lease for unpaid rent. If you're done with tenants, we buy with tenants in place.