You May Be Owed Money from Your Foreclosure

When a property sells for more than what was owed at foreclosure, the excess is called surplus funds — and it may belong to you. BGC helps you find out and navigate the process.

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What You Should Know

What Are Foreclosure Surplus Funds?

When a home is sold at a foreclosure auction, it sometimes sells for more than the amount owed on the mortgage and related fees. The excess money — the surplus — legally belongs to the former homeowner.

However, many people never claim these funds because they don't know they exist, don't know how to claim them, or miss the deadline for filing. Courts often hold these funds for a limited time before they're forfeited.

BGC researches your specific case, helps you understand if there are surplus funds available, and guides you through the process of making a claim.

Important Note

Every state has different rules and deadlines for surplus fund claims. In Texas and many other states, these funds can go unclaimed for years — sometimes permanently. Don't wait to find out if money is owed to you.

Surplus Funds Research

We research public records and court filings to determine if surplus funds exist from your foreclosure case.

Foreclosure Aftermath Guidance

Understanding what happened, what your options are, and how to move forward — with your credit and finances — after a foreclosure.

Unclaimed Funds Assistance

Guidance through the claim process — understanding the paperwork, deadlines, and what to expect from the court system.

The Process

How We Help You Recover Surplus Funds

1

Submit Your Case Details

Provide us with the property address, approximate foreclosure date, and any relevant case information you have. The more detail, the better.

2

Research & Case Review

We research county court records, auction results, and public filings to determine if a surplus exists and what the amount may be.

3

Findings & Guidance

We share our research findings and provide guidance on the process for claiming funds — including what documents you'll need and important deadlines.

4

Support Through the Claim

We support you as you navigate the court process and connect you with appropriate legal help where needed to complete the claim.

FAQ

Surplus Funds Questions Answered

How do I know if I have surplus funds?
You can check court records in the county where the foreclosure occurred. The court holds surplus funds after the mortgage balance, fees, and liens are paid from the auction sale price. BGC helps you research this — often people have no idea the money exists until someone checks on their behalf.
Is there a deadline to claim surplus funds?
Yes. Deadlines vary by state and can range from a few months to several years. In Texas, there are specific timeframes before unclaimed funds may be transferred to the state. Acting quickly once you learn funds may be available is critical. Contact BGC as soon as possible to check your situation.
Can foreclosures from years ago still have surplus funds?
Potentially yes, depending on your state and how long ago the foreclosure occurred. Some funds sit in court accounts for years unclaimed. Even if time has passed, it's worth checking — especially if you've had a foreclosure in the last 5–10 years. BGC can help research your case regardless of when it happened.
Do I need an attorney to claim surplus funds?
In many cases, especially for larger amounts, working with an attorney for the actual claim filing is advisable. BGC provides research and guidance support and can help connect you with the right legal resources for the filing itself. We are not a law firm, but we help you understand the process and navigate it successfully.
How much could surplus funds be?
It depends entirely on how much the property sold for at auction vs. how much was owed. In a competitive auction market, the surplus can be thousands — sometimes tens of thousands — of dollars. Even in a slower market, any surplus is worth pursuing. The only way to know is to check your specific case.

Don't Leave Money Behind

Check If You're Owed Surplus Funds

It costs nothing to find out. Submit your case information and we'll research whether surplus funds may be waiting for you.

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