The Foreclosure Focus

Military families often face a unique burden in foreclosure: many don’t receive timely notice of surplus funds owed after a VA loan foreclosure sale. In numerous cases reviewed by The Foreclosure Focus,...

After losing her husband and facing foreclosure on their longtime home, Maria D. assumed she’d never financially recover. But a surplus fund specialist helped her uncover more than $70,000 left behind from...

In states like Florida and Ohio, deadlines for claiming foreclosure surplus funds are shockingly short—sometimes as little as 60 days. Missing that window can mean losing access to tens of thousands of...

A quiet financial crisis is unfolding in courtrooms across America. Each year, tens of thousands of homeowners lose their properties to foreclosure—yet many remain unaware they may still be owed thousands, even...

Across the country, county clerks hold millions in surplus funds from foreclosure sales. In most cases, the funds are never claimed—due to a lack of awareness, administrative backlogs, or failure to notify...

When a foreclosed property belongs to a deceased individual, surplus funds become part of the estate. But without a properly opened probate, the court often won’t release the money. The result? Funds...

Across the country, countless homeowners believe that foreclosure is the end of the line—a final loss that leaves them with nothing. But in reality, the foreclosure process can sometimes result in excess...

Elderly homeowners, especially those who live alone or face cognitive decline, are disproportionately affected by surplus fund loss. They may not receive or understand court notices. When these homeowners pass away, their...

There is no national standard for how long a homeowner—or their heirs—has to claim surplus funds after a foreclosure sale. While some states provide a generous window of 12 months or more,...