State Guides
What brokers and loan officers should know about closings and property rules in Kentucky, and how Hancock Processing works your files there.
Kentucky uses both. Attorneys and title companies handle closings, and attorney involvement in the closing itself is not legally required: the Kentucky Supreme Court has held that a non-attorney may conduct a real estate closing as long as they don't answer legal questions or give legal advice. Title examinations, however, are the practice of law in Kentucky.
No. Kentucky is not a community property state, but it still recognizes dower and curtesy: a surviving spouse can keep an interest in real estate the other spouse owned during the marriage unless that right was released. A mortgage doesn't cut off a spouse's dower or curtesy unless that spouse joins in it or releases the right separately.
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Kentucky
All of them. We process every loan type we offer in Kentucky, including conventional, FHA, VA, USDA, jumbo, Non-QM and DSCR loans, from Louisville and Lexington to Northern Kentucky and Bowling Green.
Yes. We process loans statewide in Kentucky and coordinate with the title company or attorney handling each closing.
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