What We Do

SurplusFactor purchases eligible surplus funds claims from foreclosure sales and tax sales across the United States.

We specialize in one thing: buying surplus funds claims for cash. If you are owed surplus funds from a foreclosure or tax sale, we can offer you a guaranteed payment now in exchange for the right to collect those funds later.

Our process is transparent, our pricing is fair, and our underwriting is rigorous. We do not buy every claim we see — but when we do, you can be confident the offer reflects a genuine, verified assessment of value.

Mortgage Foreclosure Surplus

When a property sells at foreclosure for more than the outstanding mortgage balance, the excess belongs to the former owner or other eligible claimants. We purchase these claims for cash.

Tax Sale Overages

If a property sells at a tax sale for more than the taxes owed, the surplus may be claimable by the former owner or other parties with legal interest. We evaluate and purchase eligible claims.

Estate & Heir Claims

When the former owner is deceased, the right to claim surplus funds passes to the estate, executor, administrator, or legal heirs. We work with probate counsel to verify and purchase these claims.

Junior Lienholder Claims

Second mortgage holders, HELOC lenders, and other junior lienholders whose security interests were extinguished by a foreclosure sale may have a claim to surplus funds in certain jurisdictions.

Judgment Creditor Claims

Parties holding a valid monetary judgment against the former owner, properly recorded in the county where the property is located, may be entitled to surplus funds in some states.