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Frequently Asked Questions
Everything You Need to Know About Reclaiming Your Surplus Funds—Clear Answers for Your Peace of Mind.
1️⃣ What are surplus funds?
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.
2️⃣ How much money can I claim?
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.
3️⃣ How do I know if I’m owed anything?
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.
4️⃣ Is there a time limit to claim surplus funds?
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.
5️⃣ Why wasn’t I notified about this money?
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.
6️⃣ How does NestRefund help me recover my funds?
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.
7️⃣ How long does it take to get my money?
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.
8️⃣ What does it cost?
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.
9️⃣ Can I claim surplus funds from a foreclosure that happened years ago?
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.
🔟 Is this process legal?
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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Important Public Disclosure
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.