A foreclosure sale may sometimes bring in more than the mortgage balance and approved sale costs. The remaining amount may be held for a former owner or another legally eligible claimant. Whether funds exist and who may claim them depends on the records and applicable law.
Learn more about foreclosure surplus →Foreclosure Surplus Review
There May Be Money Left After a Foreclosure Sale
When a foreclosed property sells for more than the mortgage balance and allowed sale costs, money may remain. Claim My Equity helps former owners, heirs, and estate representatives check whether surplus funds may exist and understand what steps may come next.
A review does not guarantee that funds exist or that you are eligible. Service availability depends on the property’s state and the details of the case.
Not a government agencyNo guaranteed resultCase details matter
The basic idea
What Are Foreclosure Surplus Funds?
Three simple steps
How the Review Works
1
Tell Us About the Property
Provide the property address, state, county, approximate foreclosure date, and your relationship to the former owner.
2
We Review Available Records
We check available foreclosure, court, trustee, and public-record information to determine whether additional research may be appropriate.
3
Understand the Next Step
If the initial review identifies a possible path, we explain what information may be needed and whether Claim My Equity can assist in that jurisdiction.
Who may ask
Who May Request a Review?
- Former owner
- Co-owner
- Heir
- Estate representative
- Trustee
- Authorized business representative
- Other potentially eligible claimant
What to have ready
Start With Basic Information
- Property address
- County and state
- Approximate sale date
- Relationship to the owner
- Phone number or email address
Do not submit: Social Security numbers, bank information, government ID numbers, death certificates, or probate documents through the public form.
Clear expectations
What a Submission Means
A submission begins an initial review. It does not establish that funds exist, establish eligibility, create an attorney-client relationship, or guarantee that Claim My Equity can offer services. Some matters may require an attorney or a court process.
Service is available in participating states. It is not currently available in Pennsylvania, Colorado, or Washington, D.C.
Frequently asked questions
Answers Before You Begin
What are foreclosure surplus funds?
A foreclosure sale may sometimes bring in more than the mortgage balance and allowed sale costs. After other valid claims are addressed, money may remain for a former owner or another legally eligible claimant.
Are surplus funds guaranteed?
No. A foreclosure notice, property value, or recorded deed does not prove that money remains. The completed sale, sale expenses, other claims, and current fund holder must be checked.
How can I check a property?
Submit the property address, county, state, approximate foreclosure date, your relationship to the former owner, and a phone number or email address. The submission begins an initial review.
May an heir or estate representative request a review?
Yes. Heirs, personal representatives, executors, administrators, and other authorized people may request an initial review. Additional estate or heirship documents may later be required.
Might I need an attorney?
Possibly. Probate, heirship, contested ownership, bankruptcy, liens, court filings, and other legal issues may require review or representation by a licensed attorney.
Is Claim My Equity a government agency?
No. Claim My Equity is a private company and is not affiliated with a court, county, sheriff, trustee, lender, state agency, or other government office.
Start with basic details
Start With the Property
Tell us about the property and how to reach you. We will review the request and explain what may come next.