Losing a property to foreclosure is a devastating experience, but you may have unexpected financial relief waiting. When a foreclosed home is sold at a bank auction for more than the outstanding mortgage balance, the remaining money—known as “excess proceeds” or “surplus funds”—legally belongs to you, the previous homeowner. Unfortunately, these funds sit quietly in government or escrow accounts, and most people never even know this money exists. Anchor & Beam’s licensed Asset Recovery Division acts as your dedicated advocate. We navigate the complex legal red tape to recover your money, operating on a strict contingency basis: we never ask for upfront payment, and we only get paid if you do.