Surplus funds recovery
What foreclosure surplus funds are, and why you may be owed money.
When a home is sold at a foreclosure auction for more than what was owed on the mortgage, the difference is called a surplus. By law, that money belongs to the former homeowner — or, if they’ve passed away, to their heirs.
Instead of going to the bank or the buyer, the surplus is deposited with the county clerk of court or the state treasury. It sits there until someone files a claim. Many surpluses sit for years because the rightful owner doesn’t know they exist.
Industry estimates put the national unclaimed pool at over $1.4 billion. That’s money owed to Americans who lost their homes — and most of them don’t know it’s theirs.
How Patriot Pathway handles your claim.
- 01We verify your foreclosure and confirm the surplus amount with the court.
- 02Our licensed attorney reviews and supervises claim filings before submission.
- 03We handle court communications, hearings, and any required legal responses.
- 04When funds are released, we deduct our disclosed fee and send you the rest.
States we serve.
We currently work 17 states. Select yours to see state-specific information and contact our team.
Start with the 60-second eligibility check.
No upfront cost. Attorney-supervised claim review. We respond within one business day.