Why Banks Don't Tell You About Surplus Funds
The surprising reasons why lenders rarely inform homeowners about money owed to them after foreclosure.
Read More →When your home sold at auction for more than you owed, the extra money belongs to YOU. We help you recover it — with no upfront costs and no fees unless we succeed.
We only get paid when you do
You can try — but here's what you're really signing up for
The hard way
The smart way
Most people who try DIY give up after weeks of frustration — or worse, miss their deadline entirely.
Let Us Handle It — Free Consultation →When a home is sold at a foreclosure auction, it sometimes sells for more than what was owed to the bank or lender. This extra money — called "surplus funds" or "overage" — legally belongs to the former homeowner.
Unfortunately, many people never claim this money simply because they don't know it exists or don't know how to navigate the complex legal process to recover it.
That's where we come in. We specialize in locating these funds, verifying your eligibility, and handling the entire recovery process on your behalf — so you can get what's rightfully yours.
Find Out If You Have FundsSale price: $285,000
Amount: $260,000
$25,000 belongs to YOU
Our simple 4-step process makes recovering your surplus funds easy and stress-free.
Contact us for a free, no-obligation review of your case. We'll determine if you have surplus funds waiting.
We locate your surplus funds and verify the exact amount you're entitled to through official records.
Our team manages all documentation, legal requirements, and communication with county offices.
Once approved, your surplus funds are sent directly to you. You only pay us if we successfully recover your money.
We're dedicated to helping families recover the money they're owed — with transparency, expertise, and care.
You pay nothing until we successfully recover your funds. No recovery means no fee — that's our promise.
We understand the complex legal processes involved and navigate county and state requirements efficiently.
Every case is unique. We provide dedicated attention and keep you informed throughout the entire process.
We work diligently to recover your funds as quickly as possible, handling all the time-consuming legwork.
Your personal information is always protected. We maintain strict confidentiality throughout our relationship.
No hidden fees or surprises. We explain everything clearly and keep you updated at every step.
Important facts about surplus funds that every former homeowner should know.
"Billions of dollars in surplus funds go unclaimed every year across the United States. Many former homeowners never realize they have money waiting for them after a foreclosure sale."
"The 2023 Supreme Court ruling in Tyler v. Hennepin County unanimously affirmed that homeowners are entitled to surplus funds. Government retention of these funds is unconstitutional."
"Most states have strict deadlines for claiming surplus funds — ranging from 60 days to 5 years depending on the state. Acting quickly is essential to protect your rights."
Educational articles to help you understand your rights and options.
The surprising reasons why lenders rarely inform homeowners about money owed to them after foreclosure.
Read More →Don't miss your window. Learn the claim deadlines for surplus funds in each state before it's too late.
Read More →How the Tyler v. Hennepin County decision unanimously affirmed homeowners' rights to surplus funds nationwide.
Read More →Get answers to common questions about surplus fund recovery.
Surplus funds (also called "excess proceeds" or "overages") are the money remaining after a foreclosed property sells at auction for more than the mortgage debt plus associated costs and junior liens. For example, if your home sells at auction for $450,000 and the outstanding mortgage balance was $425,000, the resulting $25,000 surplus legally belongs to you — the former homeowner. The 2023 Supreme Court decision Tyler v. Hennepin County unanimously affirmed that homeowners are entitled to any surplus exceeding their debt, and government retention of these funds is unconstitutional.
The foreclosure trustee or court typically sends a "Notice of Surplus Funds" to your last known address after the sale. However, since that address is usually the foreclosed property itself, many homeowners never receive this notice. You can proactively check by contacting the foreclosure trustee (their info appears on the Notice of Trustee Sale), checking with the county clerk of court where surplus funds are deposited, or searching state unclaimed property databases like MissingMoney.com. Contact us for a free consultation — we'll research public records to determine if surplus funds exist from your foreclosure.
We work on a contingency basis, meaning you pay absolutely nothing upfront. We only get paid if we successfully recover your surplus funds — our fee is a percentage of the recovered amount, which we'll clearly explain before you sign anything. If we don't recover money for you, you owe us nothing. Industry-standard contingency fees typically range from 10-25% depending on case complexity. We're transparent about our fees and will never ask for payment before services are rendered.
Straightforward claims with single owners, no competing claims, and complete documentation typically resolve in 90-120 days. Under optimal conditions, some claims complete in as little as 30-60 days. More complex situations — such as multiple property owners, competing lienholders, deceased former owners requiring probate, or interpleader actions — can extend to 4-7 months or longer. We work diligently to expedite your claim and keep you informed at every step of the process.
Surplus funds are absolutely real and legally protected — the Supreme Court has affirmed homeowner rights to these funds. To verify legitimacy: we never ask for upfront fees; we clearly disclose the full amount you're entitled to before any agreement; you can confirm surplus amounts independently by contacting the trustee or court directly; and you're welcome to check our credentials. Warning signs of scams include: demands for upfront payment, requests to sign over your rights, high-pressure tactics, refusal to disclose actual amounts owed, or offers of small cash payments for signing documents. We encourage you to verify everything independently.
We help clients recover surplus funds from foreclosures across multiple states. Virtually all states have surplus funds provisions, though deadlines vary significantly: Florida requires claims within 60-120 days; Texas enforces a 2-year deadline; California has a 1-year limitation; Georgia allows 5 years; and many other states fall somewhere in between. Contact us with your specific situation — we'll let you know if we can assist with your case and explain any relevant deadlines that may apply.
Ready to find out if you have surplus funds waiting? Contact us today for a free, no-obligation review of your case. There's no risk — and you could have money coming to you.
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