
After a Georgia foreclosure sale, if the property sold for more than you owed, that difference legally belongs to you — not the lender. Most homeowners never know it exists.
Surplus funds can range from hundreds to $50,000+
Find out if you're owed any — no upfront cost
Free Same-Day Review
Free Same-Day Review
No upfront cost - Takes less than 60 seconds - No obligation
What Is a Surplus?
Georgia law requires that any amount remaining after the mortgage and foreclosure costs are paid from the auction sale be returned to the former homeowner. But these funds don't come automatically — they sit with the court or the lender, and many homeowners never claim them simply because no one told them they existed.
* Numbers are illustrative. Your actual surplus depends on your specific sale price, mortgage balance, and associated costs — which is exactly what we research for you.
These funds don't expire immediately, but there are legal deadlines for filing a claim — and the longer you wait, the more complicated the process becomes. If you think you may have had a surplus, the smartest move is to find out now.
No upfront fees - ever.
100% Private & Confidential
100+ Georgia homeowners helped
Georgia - focused specialists
HOW WE HELP
01
You Tell Us About the Property
Fill out the short form above with the foreclosed property address and rough timeline. That's all we need to start.
02
We Pull the Foreclosure Records
Our team researches the public sale records to determine if the auction price exceeded what was owed — and by how much.
03
We Locate the Funds
If a surplus exists, we identify where those funds are currently being held — courthouse, lender, or trustee.
04
We Guide Your Claim
We walk you through the filing process step by step so you can formally claim the funds you're legally entitled to receive.
No surplus found? You owe us nothing. If our research shows no overage exists on your property, there's no cost and no obligation — period.
WHAT HOMEOWNERS SAY
I had no idea I was owed anything after my foreclosure. USFA found over $12,000 in surplus funds sitting with the courthouse. I had completely moved on — that money changed everything for my family.
My house sold at auction two years ago. I thought that chapter was completely closed. USFA reached out, did the research, and walked me through claiming $14,200 that had been sitting with the lender the whole time.
COMMON QUESTIONS
You may not know — and that's exactly why we do the research for you. If your home sold at auction for more than the total amount owed, a surplus likely exists. Fill out the form above and we'll check the public records on your behalf at no cost.
Yes — Georgia has legal timeframes for surplus fund claims, and the process becomes more complicated the longer funds sit unclaimed. In some cases, unclaimed funds can eventually be transferred to the state. The sooner you check, the better your position.
The research and initial consultation cost you nothing upfront. If we identify surplus funds and recover them on your behalf, we receive a percentage of what's recovered. You'll never pay anything out of pocket — our fee comes only from the funds we find for you. We explain this clearly before you agree to anything, and there is never any obligation to proceed.
Possibly, yes. Many homeowners come to us 1–3 years after their foreclosure and funds are still recoverable. The earlier we look, the more straightforward the process — but don't assume it's too late without checking first.
Absolutely. Everything you share with us is kept strictly private. We never share your information with third parties, lenders, or anyone else without your explicit consent.
It takes 60 seconds to find out. If funds are there, we'll help you get every dollar you're legally owed — at no upfront cost.
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No Upfront Cost
100% Confidential
Georgia Specialists
No Upfront Cost
100% Confidential
Georgia Specialist
(470) 889-8057
123 smith st,
Jonesboro, GA 30236
Mon – Fri:
9:00 AM – 5:00 PM EST
Same-Day
Appointments Available
Mon – Fri: 9:00 AM – 5:00 PM EST
Same-Day Appointments Available
US Foreclosure Assistance, LLC is not a law firm and does not provide legal advice. We are real estate professionals helping homeowners explore their options.