Lost your home?
You may be owed a cut of $1.4 billion in unclaimed surplus.
When a foreclosure or tax sale brings more than what's owed, the surplus belongs to you. Counties across the country hold $1.4 billion in unclaimed funds we recover them with no upfront fees, and we'll tell you within one business day if any of it is yours.
Surplus fund recovery is the process of claiming the money left over when a foreclosure or tax sale sells a home for more than the amount owed on it — including the mortgage, back taxes, and sale fees. That leftover amount, called surplus funds or excess proceeds, legally belongs to the former owner, but counties are not required to track the owner down, and unclaimed balances are frequently absorbed by the state after a filing deadline passes. Americans have roughly $1.4 billion sitting in these unclaimed accounts. Recovering it requires verifying the sale records, establishing the claimant's standing, and filing the correct legal paperwork with the county or court before the deadline. At Elite Home Bids, an attorney reviews every claim before it is filed, and you pay nothing upfront — we only earn a percentage when the money is successfully recovered.
Backed by institutions.
Going it alone can cost you $10,000–$20,000.
Filing fees, attorney fees, and court costs pile up fast, and if you miss the deadline, the county keeps every dollar of surplus that’s rightfully yours.
$10,000–$20,000 out of pocket
Filing fees, attorney fees, title fees, and court costs can reach five figures depending on the claim. We work on contingency, so you pay nothing upfront.
Strict claim deadlines
Every state has a filing window. Miss it and your surplus is absorbed by the state, permanently.
No notification from the county
Counties have no obligation to track you down. If you’ve moved, you’ll never hear the surplus exists.
Scams from unlicensed agents
Predatory mailers and unregulated “recovery agents” take huge percentages or disappear with your rights.
Counties hold billions in unclaimed surplus.
When your property sells at auction for more than what's owed, the extra money your money sits in a county account. Most people never find out it exists.
Your money disappears.
- × Counties rarely notify you about surplus funds
- × Complex legal filings you don't know how to make
- × Strict deadlines miss them, funds go to the state
- × Competing claims from lienholders
- × Scams from unlicensed "recovery agents"
From search to check in hand in four steps.
We handle the research, paperwork, and legal filings. You answer a few questions and wait for your check.
Free lookup.
Enter your name and former property address. We search county records nationwide to find any surplus funds tied to you.
We verify your claim.
Our team reviews foreclosure documents, sale records, and legal filings to confirm you're entitled to surplus funds.
We file for you.
We prepare and submit all required legal paperwork, communicate with county officials, and navigate the bureaucracy on your behalf.
You get paid.
Once approved, the funds are released directly to you. We only get paid a percentage when you successfully collect.
A licensed attorney reviews every claim before it's filed.
Surplus recovery is full of scams and mailers that take your rights and vanish. We're not that. Every case is verified, researched, and reviewed by an attorney before a single form is filed.
They take a cut and disappear.
- × No attorney, no license, no accountability
- × Demand money upfront, then ghost you
- × File paperwork wrong and blow your deadline
- × Never tell you what's really going on
Check if you have unclaimed funds.
Enter your details and we'll search county records nationwide. Free, confidential, no obligation.
100% free and confidential. No obligation. We'll contact you within 24 hours with results.
Real recoveries,
loud results.
Former homeowners who recovered surplus funds through Elite Home Bids.
"Had no idea there was $31,000 sitting in the county after my foreclosure. Elite found it and handled everything. Check came in 6 weeks."
"My mother passed and we didn’t know about the tax sale surplus. Elite walked us through the heir claim process. So grateful."
"I was skeptical, but no upfront fees meant no risk. They recovered $22k from a property I lost three years ago. Legit."
"County was holding $44k from my dad’s foreclosure and nobody told us. Elite located the funds, filed the heir claim, and got us the check."
"Thought the money was gone after the tax sale. Turns out the county owed me $18k. Elite did all the paperwork. I just signed and waited."
"Filed on my own twice and got rejected. Elite’s team knew exactly what the court needed. Approved in 30 days. Wish I’d called sooner."