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We search
We research court records, county databases, and public archives for funds tied to your property.
Free initial research
Check eligibility →● Surplus funds recovery · no upfront cost
Your home was sold.
Your equity may still be yours.
After a foreclosure or tax sale, money may be waiting in a government account. We locate it, file the claim, and help recover what you’re owed.
✓ No upfront fees✓ 48 states served✓ You pay only if we recover
Potential surplusYOUR EQUITYHeld by court or county
CLAIM
REVIEW
REVIEW
$0upfront cost
48states served
60–180typical days*
100%contingency-based
What are surplus funds?
The auction may be over.
Your claim may not be.
When a property sells for more than the debt and costs owed, the difference is called surplus funds. That money is deposited with a court or county—and may legally belong to the former homeowner.
Sale price$200,000−Mortgage balance$140,000=Possible surplus$60,000
Deadlines vary. Waiting can mean losing the right to claim.
For heirs & estates
A family’s interest may continue after the owner’s passing.
If the former property owner has died, the right to unclaimed surplus funds may become an asset of the owner’s estate. Depending on the state, the estate, and the family relationship, an heir, beneficiary, executor, administrator, or other legally authorized representative may be able to pursue recovery.
These claims can require additional documentation, such as a death certificate, proof of heirship, a will, probate records, or court-issued authority for an estate representative. EquityBack can research the available records, identify likely requirements, and help coordinate the claim process. Where legal representation is required, we work with licensed attorneys.
Not sure whether you have an interest?Start with a free review. We’ll ask about your relationship to the former owner and explain the next steps based on the property location and available estate records.Review an heir or estate claim →
Eligibility, priority among claimants, and required documentation vary by jurisdiction and the circumstances of the estate. A review does not guarantee recovery.A clear path forward
We handle the hard part.
Our three-step process is designed to be simple, transparent, and low-risk.
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We file
We prepare and submit the required documents, then manage communication with the responsible agency.
Paperwork handled✓
You get paid
Approved funds are released to you. Only then do we collect the agreed contingency fee.
No recovery, no feeWhy EquityBack?
Recovery with clarity,
urgency, and care.
Losing a home is difficult enough. You deserve a process that respects your time, your circumstances, and your right to understand every step.
See if funds may be waiting →Zero risk upfront
No retainers, hidden charges, or upfront fees.
Everything handled
Research, paperwork, filings, and follow-through.
Plain-English answers
Clear findings, clear terms, and no pressure.
Deadline aware
We move quickly because legal timelines matter.
Questions, answered
Know what to expect.
Every claim is different. These are the answers people ask us most.
What are surplus funds?+
Surplus funds—also called excess proceeds or overages—are money left after a foreclosure or tax-sale auction pays the outstanding property debt. The remainder may belong to the former homeowner.
How do I know if I’m owed money?+
If you lost a home through foreclosure, a tax deed sale, or a sheriff’s sale in recent years, funds may exist. A free claim review is the clearest way to find out.
How much does this cost?+
Nothing upfront. We work on a contingency basis and collect an agreed percentage only after a successful recovery. If we recover nothing, you owe us nothing.
How long does the process take?+
Most claims take approximately 60–180 days, depending on the state, county, and court schedule. We provide an honest estimate after reviewing your case.
Do I need a lawyer?+
We handle the filings and paperwork. Where representation is legally required, we work with licensed attorneys who focus on surplus-fund recovery.
Can heirs recover surplus funds?+
Possibly. If the former property owner has died, the right to surplus funds may become part of the owner’s estate. Depending on state law and the facts of the estate, an heir, beneficiary, executor, administrator, or other legally authorized representative may be able to pursue the claim. Proof of death, heirship, probate authority, or other estate documents may be required.
Do you work in my state?+
We currently serve 48 states. Share the property location and we’ll quickly confirm whether we can assist.
Free claim review
Don’t leave your equity behind.
Tell us a little about the property. We’ll review the available information and let you know whether surplus funds may exist—at no cost and with no obligation.
- Free and confidential review
- Former owners, heirs, and estate representatives welcome
- No upfront cost
- Clear next steps