What to Expect During the Process
While we research your eligibility and prepare your claim, here’s what happens:
1️⃣ We Get Your Approval to Start
Once you decide to move forward, we’ll send you a starter packet containing simple forms and an authorization for us to work on your behalf. Once you complete and return the packet, we’ll begin your search immediately.
2️⃣ We Verify Records
Our team conducts a thorough review of county foreclosure records, court documents, and treasurer reports to confirm whether surplus funds are available from the sale of your property.
3️⃣ We Keep You Updated
You won’t be left wondering. Throughout the process, we’ll provide regular updates on your file status and answer any questions you have along the way.
4️⃣ We Prepare Your Claim
If surplus funds are located, we prepare all the necessary legal paperwork to initiate your claim. We’ll file documents with the appropriate government agencies and courts to ensure everything is submitted accurately and on time.
5️⃣ We Advocate for You
We follow up with government offices and court clerks to confirm your claim is progressing. If additional documentation or clarification is needed, we handle it promptly to avoid delays.
6️⃣ You Relax While We Work
Once your claim is filed, you can focus on your family and your future. We take care of the details until your funds are approved and released.
Most searches take 1–3 weeks. If surplus funds are confirmed, it typically takes an additional 4–12 weeks to process and release your payment, depending on your state’s regulations.
Real Success Stories
Case Study 1: Linda – Florida Widow Reclaims $87,000
Linda lost her home in Orlando after her husband’s illness drained their savings. She assumed she had nothing left to her name. When she contacted NestRefund, we conducted a records search and discovered over $87,957 in surplus funds. Linda used this money to pay off medical bills and secure a comfortable apartment near her grandchildren.
“I never imagined there could be any money left. NestRefund gave me a second chance.”
Case Study 4: Derrick – Ohio Veteran Recovers $31,000
After serving in the military, Derrick fell behind on his mortgage during a difficult job transition. When his home was foreclosed in Columbus, he assumed there was no hope of recovering anything. A family friend suggested he contact NestRefund. Within two weeks of submitting his starter packet, our team confirmed $31,000 in surplus funds was available. Derrick used the money to clear outstanding debts and secure stable housing for himself and his teenage son.
“NestRefund treated me with respect and never made me feel judged. They kept me updated every step of the way.”
Case Study 2: Michael – Texas Contractor Finds Hidden Funds
Michael, a self-employed contractor, lost his property during the downturn. He had no idea the foreclosure sale exceeded what he owed. After completing our starter packet, we confirmed he was owed $42,000. Michael used the funds to pay off debt and restart his business.
“The process was clear and professional from start to finish.”
Case Study 5: Carlos – California Family Man Finds Unexpected Relief
Carlos lost his Fresno home after falling behind on mortgage payments during an illness. With medical bills mounting, he thought there was no way out of financial hardship. NestRefund’s team performed a detailed records search and discovered $79,823 in excess proceeds. We handled all the court filings and correspondence, and the funds arrived in less than three months. Carlos used the money to cover past-due expenses and start fresh.
“I honestly didn’t believe it at first. They proved me wrong—in the best way possible.”
Case Study 3: Patricia – Georgia Homeowner’s Fresh Start
After foreclosure, Patricia struggled to pay daily expenses. NestRefund discovered she had $53,500 in surplus funds waiting to be claimed. We prepared and filed all paperwork, and within eight weeks, Patricia received her check.
“I’m so thankful I didn’t ignore that first call. It changed everything.”
Case Study 6: Rebecca – Nevada Single Mom Reclaims Her Stability
After her divorce, Rebecca couldn’t keep up with mortgage payments and lost her home in Henderson. A friend forwarded her NestRefund’s website, and she reached out for help. Our consultants quickly located $24,000 in unclaimed funds. We guided her through each form and deadline, making sure nothing was missed. Rebecca was able to pay off credit card debt and secure a new apartment close to her children’s school.
“I felt like someone was finally in my corner. That money changed my life.”
Ready to See If You Qualify?
Secure your free surplus funds search today.
There are no upfront fees, and time limits apply. Let’s find out what’s rightfully yours.
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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.
Contact Us
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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.