Tag: Counties

First Time Homebuyer’s Guide: Loan Pre-Approval

First Time Homebuyer’s Guide: Loan Pre-Approval.

via First Time Homebuyer’s Guide: Loan Pre-Approval.

Joel Lobb (NMLS#57916)
Senior  Loan Officer
502-905-3708 cell
502-813-2795 fax
kentuckyloan@gmail.comKey Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*

Louisville, KY 40222*


Credit Scores Needed to qualify for a Ky Mortgage

Credit Scores Needed to qualify for a Ky Mortgage.

Jefferson County Kentucky Foreclosures Information

Jefferson County Kentucky Foreclosures Information


Free Mortgage Application less than 5 minutes. Apply today for your next Louisville Kentucky Mortgage

Frequently Asked Questions

The Commissioner’s Office cannot give legal advice.  The following are frequently asked questions that are procedural:

.margin { MARGIN-LEFT: 15px } [-] I just purchased property at the commissioner sale. What do I need to do now?

Discuss with an attorney the necessity for a title search. Thirty (30) days from the date of sale one-fourth (1/4) of the bid price, including deposit paid the day of sale, needs to be paid into the Commissioner’s Office. Six (6) months from the date of sale the balance of the bid price needs to be paid. Interest is 12% per annum on the unpaid balance.

[-] When do I get access to the property?

You are entitled to possession of the property after the Report of Sale has been confirmed by the Court. This can happen any time ten (10) days after the Report of Sale has been filed in the Court record.

[-] How do I get keys to the property?

Through the party whose judgment under which the property was sold or its attorney.

[-] What happens after all liens have been satisfied and there is money left over?

The original property owners have a right to those funds.

[-] Someone is still living in the home. What should I do?

If they refuse to leave, the Court can enter a writ of possession directing the sheriff of Jefferson County to set the individuals and their property out.

[-] I cannot meet the 30-day or six-month deadlines. What should I do?

Contact the attorney for the party under whose judgment the property was sold.

[-] What if the Commissioner’s Sale brings less than two-thirds (2/3rds) of the appraisal?

The homeowner has a one year right of redemption.

[-] What is a right of redemption?

It is a right held by the property owner giving them one year to repay to the purchaser the amount of money paid into the Commissioner plus 10% per annum. KRS 426.530

[-] Whose name is on the Commissioner’s deed?

The Commissioner’s deed will be in the name of the purchaser at the Commissioner’s Sale. If the purchaser desires it be titled otherwise, the purchaser can file an Assignment of Bid in the Court record and the deed will then be titled in the assignee’s name.

[-] How do I make payments to the Commissioner’s Office for my bid price?

Only in cash or certified funds for the sale day deposit and only certified funds thereafter.

[-] Where are the sales conducted?

Usually on the first floor of the Old Jail Building, 514 West Liberty Street, Louisville, Kentucky. On occasion if they are held elsewhere, notice may be obtained from the Commissioner’s Office or this website.

[-] Can I inspect the property before the Commissioner’s Sale?

Only if the individuals in possession allow it (or by contacting the attorney for the party who has a Judgment and Order of Sale) if the property is vacant.

[-] Is the property insured?

It is the responsibility of the purchaser at the Commissioner’s Sale to insure the property, to the extent of the purchaser’s interest, until purchaser takes full title.

[-] Where can I get a list of foreclosure actions filed in Jefferson County or placed on a mailing list?

No such list is maintained. The Commissioner’s Office does not create a mailing list or mail information to individuals.

[-] When do I get the deed to the property?

You will need to move the court for a deed, tender an order, and pay the purchase price plus interest.

[-] If my post-purchase title search shows liens by entities not parties to the litigation?

File in the Court record an objection to confirmation of sale. This will bring the lienholder issue to the Court for resolution.

[-] What happens if I fail to pay the full balance of my bid price?

You run the risk of losing any monies you have paid up to that point and if the property sells the second time for less than what you paid for it, you might be liable for the difference.

[-] Can I get my deposit back if I do not like the property or if I cannot get financing?


[-] Is a bond necessary from the purchaser?

Yes. The bond requirement can be satisfied with either a corporate surety or if a property owner, not having an interest in the litigation, signs a bond pleading real estate located in Jefferson County. KRS 426.705


Jefferson County Kentucky Foreclosures

Jefferson County Foreclosure Listings Includes

  • Jefferson County Foreclosure Homes
  • Jefferson County Foreclosures
  • Federal Jefferson County Foreclosed Homes
  • Jefferson County Foreclosure Auctions
  • Jefferson County Bank Owned Foreclosures
  • Other Surrounding Jefferson County Repossessed Homes

Try Our Listings of Jefferson County Foreclosure Homes and Start Investing in Jefferson County Foreclosures. Save 30-60% on Jefferson County Real Estate.

Cheap bank foreclosed homes for sale in Jefferson county. We feature bank repo homes in Jefferson as well as government tax foreclosures in Jefferson. Our extensive foreclosure listings has detailed and updated information on Jefferson hud listings, bank foreclosure listings and Jefferson fixer upper homes. Buy a house in Jefferson for a bargain today.

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Current Listings of Jefferson Home Foreclosures For Sale
1 2 TORRINGTON RD Valley Station, KY 40272 Foreclosures 3/1.5 $94,900.00 DETAILS
2 10 TAFFETA DR Valley Station, KY 40272 Foreclosures 3/1 $74,900.00 DETAILS
3 5 OBRYAN RD Fern Creek, KY 40291 Foreclosures 4/2.5 $224,900.00 DETAILS
4 9 WINDING RIVER WAY Louisville, KY 40229 Foreclosures 3/2 $121,900.00 DETAILS
Homes from 30% to 60% Below Market Value!
5 25 WILLOW PARK CIR Louisville, KY 40299 Foreclosures 4/3 $349,000.00 DETAILS
6 9 HUON DR Louisville, KY 40218 Foreclosures 3/2 $99,900.00 DETAILS
7 1 HILLCROSS CT Louisville, KY 40229 Foreclosures 4/2 $71,900.00 DETAILS
8 11 TEX AVE Fairdale, KY 40118 Foreclosures 3/2 $97,000.00 DETAILS
9 8 N 37TH ST Louisville, KY 40212 Foreclosures 2/1 $8,100.00 DETAILS
10 5 S 2ND ST Louisville, KY 40214 Foreclosures 2/1 $45,900.00 DETAILS
11 5 PALATKA RD Louisville, KY 40214 Foreclosures 2/1 $62,900.00 DETAILS
12 11 NEPPERHAN RD Louisville, KY 40218 Foreclosures 3/1 $125,000.00 DETAILS
13 8 SHUTESBURY CIR Pleasure Ridge, KY 40258 Foreclosures 3/2 $95,000.00 DETAILS
14 13 YORKTOWN RD Louisville, KY 40214 Foreclosures 3/1 $95,000.00 DETAILS
15 5 KINROSS BLVD Valley Station, KY 40272 Foreclosures 3/1 $33,000.00 DETAILS
16 9 DENMARK ST Louisville, KY 40215 Foreclosures 2/1 $25,000.00 DETAILS
17 5 DITTMAR DR Newburg, KY 40219 Foreclosures 3/2 $83,900.00 DETAILS
18 3 MICAWBER WAY Louisville, KY 40245 Foreclosures 3/3 $199,900.00 DETAILS
19 1 IMAGE WAY Louisville, KY 40299 Foreclosures 3/2 $84,900.00 DETAILS
20 5 RED OAK LN Louisville, KY 40218 Foreclosures 3/1 $31,900.00 DETAILS


Louisville Kentucky Home Buying Community Links

Louisville Kentucky Home Buying Community Links


State of Kentucky

Commonwealth of Kentucky

Kentucky Department of Revenue

Kentucky PVA Offices

Kentucky Transportation Cabinet

Kentucky Office of Homeland Security

Jefferson County, KY

Jefferson County Sheriff

Jefferson County Clerk

  • Marriage Licenses
  • Drivers License
  • License Plates
  • Past Due Real-Estate Taxes
  • Online Land Records

Jefferson County Circuit Court Commissioner’s Sale

Jefferson County Public Schools

Louisville Metro Services

Louisville Metro Government

Metro Sewer District

Louisville Water Company

Louisville/Jefferson County Information Consortium (LOJIC)

Louisville Free Public Library

Louisville Business Associations

Greater Louisville, Inc. Chamber of Commerce

Better Business Bureau

Louisville Kentucky Visitors Bureau

Metro Mapper

Louisville Waterfront

Louisville Downtown Management District

Transit Authority of River City (TARC)

Louisville Regional Airport Authority

Finding A Home In Louisville

U.S. Census Bureau | Profile of Selected Housing Characteristics

Home Builder’s Association of Louisville


Greater Louisville Association of Realtors

Louisville Regional Property Locator & Market Information