Surplus funds (also called excess proceeds or overage) are the money left over after a property is sold at a foreclosure or tax auction. The sale price exceeds the amount owed for the mortgage, taxes, liens, and sale costs. These funds rightfully belong to the former owner or their heirs, not the lender or county.

Yes, many former homeowners are surprised to learn they may be owed thousands (or more) in surplus. The lender gets paid first, but any remaining equity belongs to you. We specialize in helping reclaim these often-overlooked funds.

Often 1–3 years, or until funds escheat to the state. Act quickly—unclaimed funds may eventually go to the government. Contact us for a free review; we'll check deadlines for your case.

You can file yourself in simple cases, but most (especially with deceased owners, heirs, or disputes) require a licensed attorney for court approval. We partner with experienced attorneys who handle filings efficiently—we coordinate everything so you don't have to navigate courts alone.

We work on a contingency basis only—no upfront fees, no out-of-pocket costs. If we don't recover funds, you owe nothing. Our fee (typically 35%) is deducted only from the gross recovered amount, and we fully disclose it upfront in a simple agreement.

Most clean claims take 2–6 months from signing with us to receiving funds. Complex cases (e.g., probate/heirship) can take 6–12 months. We provide regular updates and work to expedite where possible.

Heirs or estate representatives can often claim funds. We assist with probate research and required documentation—no extra cost to you.

It's free and no-obligation. Fill out our quick Claim Check form or schedule a call. We'll research your property/county and let you know if surplus funds exist—usually within days.

We help nationwide, with strong expertise in high-volume states like Texas, California, Florida, and others. No matter where the property was, contact us—we'll confirm eligibility.