KRS 286.2-020 requires all mortgagees to provide the “Notification to Homeowners of the Kentucky Homeownership Protection Center” document to all Kentucky residential borrowers. This form must accompany any loan, regardless of purpose, that is secured by a mortgage on residential real property located in Kentucky.

Lenders must provide the document at the time of closing and together with the final signed loan documents—one copy to the borrower and one copy maintained in the lender’s files. This applies to all mortgage lenders, including banks, credit unions and consumer loan companies.

The notification form is available as a PDF or in Microsoft Word format:

Notification to Homeowners of the Kentucky Homeownership Protection Center - PDF 

Notification to Homeowners of the Kentucky Homeownership Protection Center - WORD 

The official website of the Kentucky Homeownership Protection Center is ProtectMyKYHome.org. Citizens can get foreclosure assistance through the website, as well as toll free at (866) 830-7868.

Frequently Asked Questions 

Mortgage providers have asked the Department of Financial Institutions (DFI) the following questions about when to use the form:

• Does it matter what kind of property the loan secures?                                                                                                                                                                                                                   Yes. Lenders must use the form for loans secured by a mortgage on residential real property in Kentucky. Lenders do not need to provide it for loans secured by commercial property.
• Does the purpose of the loan matter?                                                                                                                                                                                                                                                No. Lenders must provide the form for loans secured by a residential mortgage, no matter the purpose of the loan. For example, if a residential property is used as collateral on another type of loan, the form is required.
• Does it matter if the home is the borrower's primary residence?                                                                                                                                                                                         No. Lenders should provide the form, either way.
• Does it matter if the home is to be used as a rental property?                                                                                                                                                                                                    No. Lenders should provide the form, either way.
• Does it matter if the property is located in Kentucky?                                                                                                                                                                                                     Yes. Lenders should provide the form when loans are secured by mortgages on residential real property in Kentucky. The form is not required for loans secured by mortgages on residential property located outside Kentucky.
• Is the form required if the borrower is a Kentucky resident but the home is located in another state?                                                                                                                          No. The form is not required if a Kentucky resident is obtaining a loan secured by residential property in another state. However, all Kentucky citizens are welcome to use the resources available through the Protect My Kentucky Home website and phone number.