Post-foreclosure mortgage overages, lender surplus distributions, and escrow refunds — recovered in full.
$3B+ annually (US) in available surplus — most of it unclaimed. SurplusAI finds it, qualifies it, and connects it to recovery specialists and claimants across all 50 states.
$3B+
In mortgage overage annually
85%
Of mortgage surplus claims go unfiled
60–120 days
Average recovery time
Foreclosure creates surplus — and mortgage servicers are not required to track you down.
When a foreclosure sale generates more than what's owed on the mortgage plus costs, the surplus belongs to the former homeowner. But mortgage servicers record the sale and close the file — they don't pro-actively notify borrowers of remaining funds. Former homeowners, often in financial distress, move without leaving forwarding addresses. The surplus sits in an escrow account, then gets transferred to county court, and eventually escheats. SurplusAI's mortgage overage engine monitors foreclosure sale results across every county to catch these surpluses immediately.
SurplusAI for Mortgage Recovery
Track
CORTEX monitors foreclosure auction results and post-sale accounting from lender servicer reports and court-filed surplus disbursement petitions across all 50 states.
Calculate
Each surplus is calculated precisely: sale proceeds minus outstanding principal, accrued interest, foreclosure costs, and senior liens. The remainder is the mortgagor's surplus.
Locate
Former homeowners are located using forwarding address databases, USPS records, and skip tracing to deliver surplus notifications before the claim window closes.
Distribute
Recovery specialist files surplus claim in court or with servicer. Funds distributed to the former borrower — or their estate if deceased.
Mortgage surplus leads for recovery firms
Mortgage surpluses are high-value, time-sensitive, and systematically underclaimed. SurplusAI's real-time servicer monitoring creates a first-mover advantage for recovery firms in this vertical.
Your Recovery Journey
No upfront cost. Contingency only. You only pay when you collect.
Contact
A SurplusAI recovery firm may contact you after identifying a mortgage surplus from your former property's foreclosure sale.
Verify
SurplusAI confirms the surplus amount, your former ownership status, and any other liens that may have priority claims.
File
A recovery attorney files the surplus petition in court or submits directly to the mortgage servicer — contingency only, no upfront cost.
Collect
Surplus funds released via court order or servicer distribution. Average mortgage surplus recovered: $12,000–$45,000.
Simple, Transparent Plans
The Mortgage vertical is optimized for Growth — all 10 verticals, 200 leads/month.
Starter
$499/month
- 3 verticals
- 50 leads/month
- 5 active cases
- Basic reporting
- Email support
Growth
$999/month
- All 10 verticals
- 200 leads/month
- 25 active cases
- AI Copilot + CORTEX
- Priority support
Enterprise
Custom
- Unlimited leads & cases
- White-label platform
- Custom AI engines
- Dedicated CSM
- SLA guarantee
Common Questions
I went through foreclosure 3 years ago — can I still claim?
Possibly. Claim windows vary by state — typically 1 to 3 years from the foreclosure sale date. In some states, funds held by courts have no deadline. SurplusAI checks your specific jurisdiction.
What about my escrow account balance when I was foreclosed?
Escrow impound account balances (for taxes and insurance) must also be returned to the borrower after foreclosure. SurplusAI includes these in every mortgage surplus analysis.
Can I claim if there was a second mortgage on the property?
Yes, though the second lien holder gets paid from the surplus first. If there's still a remainder after the second mortgage is satisfied, that belongs to you — SurplusAI calculates the exact net.
Check if you have unclaimed mortgage funds
Free to check. No obligation. Contingency-based — we only get paid when you collect.