Don’t Let the Bank Keep What’s Yours.
The bank’s pocket isn’t where your money belongs — we’ll help you put the cash back in your wallet, quickly.
We know how much your home means to you. Let’s explore whether it’s possible to recover it — and in the meantime, let’s secure the surplus funds you’re legally entitled to.
​
Getting started costs nothing. We’ll help you recover your foreclosure surplus funds, and we can also review whether those funds can support efforts to reclaim your home.
Our Simple 3-Step Process
1
Sign a Simple
Letter of Representation
We start with a simple and clear authorization for us to act on your behalf to recover the funds. There is no charge to you unless we recover your money.
2
We Handle the
Legal Process
Recovering your surplus funds involves navigating complex state laws and legal procedures, i.e. §2924j. We handle the process for you — so you don’t have to.
3
You Get Paid —
Often Six Figures
Once the claim is successful, you receive your funds. Our clients have recovered an average of $300,000!
No upfront costs. We only get paid when you do.
Why This Matters to You
When a home is sold at a foreclosure auction, sometimes the sale price is more than what was owed on the mortgage. This leftover money, known as "foreclosure surplus funds" or "home equity refund," legally belongs to the former homeowner.​
Unfortunately, banks and lenders often keep these surplus funds unless a formal claim is made. At Find Equity Now, we specialize in uncovering and recovering what's legally yours, ensuring you get the money you're entitled to after losing your home. Don't let the bank keep your hard-earned equity.
​
We can even help you look into the propriety of the foreclosure if you want to look into getting your home back.
Your Journey to Funds Recovery
1
Discovery & Eligibility Check
You reach out to us, and we quickly determine if your property is eligible for a foreclosure surplus recovery claim. We verify the details of your past foreclosure.
2
Agreement & Authorization
Sign a simple Letter of Representation and we’ll contact the bank to confirm your surplus funds—you pay nothing unless we recover them. Acting quickly after foreclosure is essential to secure your claim and get you paid.
3
Legal Research & Filing
Our team gathers the proof you need to show the money is yours and we send it to the bank in the very specific format they require. We also file your claim with the bank and court systems so you can get your funds as quickly as possible.
4
Court Proceedings & Advocacy
We represent you throughout the legal proceedings, arguing your case and ensuring your rights are protected under California foreclosure law, specifically Civil Code §29234j and 29234k.
5
Verification & Fund Release
Once we win your claim, we move fast to get you paid. After we secure the bank’s release of your surplus funds—whether by agreement or legal action—we double-check everything to ensure your payment is accurate and the bank releases the funds in a timely manner.
6
Payout & Rebuilding
You receive your recovered home equity refund. This money can be a crucial step in rebuilding your financial future.
About Us
Find Equity Now was founded on a simple, powerful mission: to help individuals and families recover their rightful home equity after the challenging experience of foreclosure. We understand the financial and emotional toll of losing a home, and we're here to ensure you don't also lose the money that's legally yours.
With over $7 million recovered for clients, and an average recovery of $300,000, our results speak for themselves.
Real Stories, Real Funds Recovery
Maria Y - San Jose, CA
“I had no idea I was owed money after my foreclosure. Find Equity Now was a lifesaver. They got me $650,000 I didn’t know was mine!”
Bill F - Sunnyvale, CA
“The process was so simple on my end. Find Equity Now handled everything and recovered a significant home equity refund for me. Truly professional and compassionate.”
Sarah L - Roseville, CA
“After losing my home, I felt hopeless. Discovering Find Equity Now and their ability to recover funds after foreclosure was a true blessing. Highly recommend their services.”
Meet Our Team
The People Behind Your Recovery
%20winner.jpg)
Frequently Asked Questions
Q1: How do I know if I’m owed money after foreclosure?
A: If your home sold for more than what you owed, the surplus is legally yours. We help you find out.
Q2: How can the bank take my equity/money during a foreclosure?
A: When a home is foreclosed, it's often auctioned. If the sale price exceeds the debt owed, that surplus legally belongs to the homeowner. But unless a proper claim is filed, the bank or county may retain those funds.
Q3: Can I do this myself, without professional assistance?
A: Technically yes, but the process is highly complex and legally nuanced. Most individuals who try on their own miss a detail or deadline—resulting in the bank keeping all of their money. Our legal team handles everything from start to finish to ensure success and maximize your recovery.
Q4: How do you recover our funds?
A: We quickly verify the surplus, file your legal claim under the appropriate legal guidelines (such as California CC §2923j, Colorado CC §38-38-111, Nevada NRS §107ff, etc) and represent you through the entire process to maximize your success. We've helped countless people recover money the bank tried to keep.
Q5: Do you charge anything upfront?
A: No. We work entirely on a contingency basis. If you don’t get paid, we don’t get paid. There’s zero risk to you.
Q6: What happens if I wait too long to claim my surplus funds?
A: Every state has a deadline for claiming surplus funds—some as short as a few months. If you miss the deadline, the bank or county may keep your money permanently. That’s why it’s critical to start immediately after foreclosure.
Q7: How long does the surplus recovery process typically take?
A: In most cases, you can receive your funds within 60–120 days of starting the process. Timelines vary depending on the court, trustee, and whether the bank contests your claim. Acting quickly helps speed things up.
Q8: Can I keep my home?
A: In rare cases, yes—if action is taken before the foreclosure sale is finalized. If the property has already sold, we can still try to assist with recovery of your home or assist with alternate housing with the money you have received.
