Service
Mortgage Foreclosure Surplus Funds Recovery
When a home sells at a mortgage foreclosure auction for more than the amount owed, the money left over after the lender, costs and any senior liens are paid does not belong to the bank. In most states it belongs to the former owner — but it usually sits with the court, county or a court-appointed referee until someone files a claim for it.
We locate that money, confirm how much is actually available, identify who is holding it, and help prepare and move the claim through the process that applies in that county.
Who this is for
- Former homeowners whose property sold at a mortgage foreclosure auction
- Owners who moved before or after the sale and never received a payout
- Anyone who received a notice about surplus, excess or overage funds and is not sure it is real
What we do
- Search the foreclosure case file, sale results and the surplus or overage ledger
- Confirm the sale price, the payoff amount and the surplus actually on deposit
- Identify the custodian — court clerk, county, treasurer or referee
- Check for competing liens or claims that could reduce the amount payable
- Prepare the claim package and coordinate signatures, notarization and filing
What we typically need from you
- Government photo ID
- Proof you owned the property (deed, mortgage statement, tax bill)
- The foreclosure case number or property address
- Any court or county correspondence you received about the sale
Important to know
- Surplus is only created when the sale price exceeds what was owed plus allowed costs. Not every foreclosure produces one.
- Some courts require a petition and a hearing; where licensed counsel is required, we associate a local attorney.
Free records search. No upfront fees — our fee is deducted only if and when funds are successfully recovered. Rules, eligibility and deadlines are set by each state and county.
Check your state's process
Who may claim, how long they have and which office holds the money changes by state.
Open the Surplus Recovery State GuideOther services
- Tax Foreclosure & Tax Sale Excess Proceeds Recovery
- HOA & Condo Foreclosure Surplus Recovery
- Estate & Heir Surplus Funds Recovery
- Multiple-Owner Surplus Claims