When a foreclosed home sells for more than what's owed, the extra money is yours. Most homeowners never claim it.
✓ No upfront fees • ✓ Free consultation • ✓ Success-based pricing
When your home is foreclosed and sold at auction, the extra money beyond what you owed doesn't go to the bank—it's legally yours.
After foreclosure, your property is sold at a public auction or sale.
If it sells for more than your debt, the extra money becomes "surplus funds."
Most homeowners never receive notice or know they have money waiting.
Real Example: Home owed $250K, sold for $320K
= $70,000 in surplus funds owed to the homeowner
Simple, transparent process from start to finish
We search public records to see if surplus funds exist from your foreclosure.
If we find funds, we'll tell you exactly how much you're owed and where it's held.
We handle all paperwork, legal filings, and communications with the court.
Once approved, the funds are released directly to you. We only get paid when you do.
It takes 2 minutes. No obligations, no upfront costs. If we find money, we'll help you claim it.
If your foreclosed home sold for more than what you owed (mortgage balance + legal fees + back taxes), surplus funds were created. We search court and county records to verify if funds exist in your name.
We work on a success-based model. There are no upfront fees. We only get paid a percentage of the surplus funds if and when you successfully recover your money. If we don't recover funds, you owe us nothing.
The timeline varies by county and court, but most claims are processed within 60-120 days. We handle all the paperwork and follow up with the court on your behalf to expedite the process.
Surplus funds are held by the court and can only be claimed by eligible parties (typically the former homeowner). There are strict deadlines—often 1-3 years—after which unclaimed funds may be forfeited to the state. That's why it's important to act quickly.
You can file a claim yourself, but the process involves complex legal paperwork, court filings, and deadlines. We have experience navigating these requirements and maximizing your chances of a successful claim.
No problem. Surplus funds remain available for claim regardless of where you live now. We help track down funds and file claims even if you've relocated since the foreclosure.