Foreclosure Surplus
Your Home Sold for More
Than You Owed
When a foreclosed property sells at auction for more than the outstanding mortgage balance, the excess — called a surplus — legally belongs to the former homeowner or their heirs. Most people never know it exists.
What Is It?
Understanding Foreclosure Surplus Funds
When a lender forecloses on a property and sells it at auction, the sale price often exceeds the total amount owed — including the mortgage balance, and other liens, fees, and court costs. That leftover amount is called surplus funds.
By law, those surplus funds belong to the former homeowner — not the bank, not the county, and not the new buyer. However, if you don't file a claim within the legal deadline, the government keeps the money permanently.
Angel Surplus Recovery identifies these funds, handles all the legal paperwork, and fights to get every dollar returned to you.
A Simple Example
* Example for illustration purposes only. Actual amounts vary.
Eligibility
Who Can File a Claim?
Former homeowners whose property was foreclosed
Heirs or family members of a deceased former homeowner
Anyone with a recorded interest in the foreclosed property
Individuals who received a notice of foreclosure sale
Those who were unaware a surplus existed after the sale
People whose claim deadline has not yet passed
Our Process
How We Recover Your Funds
Research
We search court and county records to identify surplus funds tied to your property.
Verify
We confirm your eligibility and the exact amount owed to you.
File
We prepare and submit all required legal documents before the deadline.
Collect
Once approved, funds are disbursed to you. We take our fee only after you're paid.
FAQ
Foreclosure Surplus Questions
No Upfront Cost
Start Your Free Foreclosure Review
We'll research your case and contact you within 24 hours.