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Everything You Need to Know About Reclaiming Your Surplus Funds—Clear Answers for Your Peace of Mind.
Surplus funds (also called overages, excess proceeds, or surplus recovery) are the extra money left over when your foreclosed property sells for more than the balance you owed on your mortgage and any liens.
It depends on your property’s sale price. Some homeowners have reclaimed $5,000, $25,000, or even over $100,000+. Every situation is unique, so we perform a free search to determine your exact amount. Our largest recovered amount was 217,508.49.
Most homeowners are never notified about their surplus funds or don’t understand how to access them. We conduct a comprehensive records search to confirm whether you have a claim.
Yes. Every state has a statute of limitations—in some cases as short as 6–12 months. If you wait too long, the money is forfeited to the state or other parties. Time is of the essence.
Notifications are often mailed to your last known address or filed with the court. Many former homeowners never receive them or don’t realize what they mean.
We handle everything from start to finish—research, claim preparation, court filings, and follow-up with government offices—so you don’t have to navigate the process alone.
Every case is different, but once your claim is submitted, funds are typically released within 4–12 weeks, depending on your state and the court’s processing time. The key thing is to get the paperwork in as early as possible.
There are no upfront fees. We only charge a success-based fee which varies by state when your funds are recovered, so you pay nothing if we are unable to collect.
Yes. Surplus recovery is a legal process recognized by courts and government agencies nationwide. Each state has its own statute of limitations for claiming overages, ranging anywhere from 1 year to as long as 20 years, depending on local laws. As the former homeowner, you have the right to claim these funds, provided you submit the required paperwork before the deadline expires.
Yes. Surplus recovery is a legal process recognized by courts and government agencies nationwide. As the former homeowner, you are entitled to claim these funds.
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NestRefund.com and its representatives shall make commercially reasonable efforts to assist clients in locating and recovering surplus funds or overages resulting from foreclosure sales. However, due to the inherent complexities and numerous variables involved—including but not limited to state-specific statutory requirements, third-party claims, governmental procedures, and the accuracy of public records—no guarantees, representations, or warranties, express or implied, are made regarding the outcome or success of any claim or recovery process.
Clients acknowledge and agree that NestRefund.com shall not be held liable for any loss, damage, or inability to recover funds arising from factors beyond our reasonable control.
No upfront fees shall be charged for our services. Compensation is strictly contingent upon a successful recovery of funds, in which case a success-based fee—varying by state and specific circumstances—shall be deducted from the recovered amount. Clients shall owe no payment or fee in the event no funds are recovered.