Surplus funds — also called excess proceeds — are the amounts of leftover money from a foreclosure sale after the mortgage bank balance, any liens, and other related costs have been fully paid off. If your property sells for more than what you owed, that remaining amount belongs to you and can be claimed.

If your property was sold at a foreclosure auction and the sale generated funds above what was owed in debts and fees, you may be eligible to claim the surplus. Our team can help assess your eligibility by reviewing the relevant foreclosure sale details and court records for any proof of your surplus.

Confirming your eligibility to claim surplus funds after a foreclosure sale.

Collecting the necessary legal documentation from the county and court records to support your claim.

Preparing the legal documents and submitting the claim forms within the filing deadlines to the correct agencies within the county, court, or state office.

Monitoring and following up when needed to ensure your claim is processed and resolved.

No, not at all — we work on a contingency basis, which means you won’t pay anything upfront. The work we do for you is on us and we only receive a fee if and when we successfully recover your funds, so there’s no financial risk to you.

The time it takes to recover surplus funds can vary based on how complex your case is and how quickly the county processes claims. In many cases, the process takes several weeks to a few months, and in more involved situations it may take longer. Our team works hard to move things along efficiently and works to keep you updated every step of the way.