Surplus Funds Recovery in Maryland
If your property was foreclosed in Maryland and sold at auction for more than what was owed, you may be entitled to the surplus. Most former homeowners never find out this money exists.
Maryland provides a generous 3-year window to claim surplus funds from a foreclosure sale, one of the longer deadlines on the East Coast.
Free eligibility check — takes 30 seconds. No upfront fees.
Check My Eligibility FreeHow Surplus Funds Work in Maryland
Maryland uses non-judicial (power of sale with court ratification) foreclosure. This means foreclosures can happen outside the court system, often moving faster than judicial states.
Under Maryland Real Property Code § 7-105.13, when a foreclosed property sells at auction for more than the outstanding debt (including mortgage, liens, fees, and costs), the excess amount — known as surplus funds — legally belongs to the former property owner.
Maryland uses a non-judicial foreclosure process that requires court ratification. Prince George's County and Baltimore have historically high foreclosure volumes. The state requires trustees to provide notice of surplus to former owners.
How to File a Surplus Funds Claim in Maryland
Contact the trustee or substitute trustee who conducted the sale
File a motion with the circuit court in the county where the sale occurred
Provide proof of identity and former ownership of the property
The court reviews all claims and holds a hearing if necessary
Surplus funds are disbursed per the court order
Sounds complicated? We handle all of this for you. Our team researches your case, prepares the paperwork, and works with licensed attorneys in Maryland to file your claim. You only pay when we recover your funds.
Top Maryland Counties for Surplus Funds
These Maryland counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Maryland
Maryland allows 3 years to file a claim for surplus funds from a foreclosure sale. After this deadline, funds may be permanently forfeited or transferred to the state unclaimed property division.
Surplus amounts in Maryland typically range from $10,000–$35,000, depending on the property value, auction price, and outstanding debt. Some cases can be significantly higher.
Yes, you can file yourself. The process involves contacting the trustee or county, providing proof of ownership and identity, and navigating the legal requirements under Maryland Real Property Code § 7-105.13. Many claims are denied due to paperwork errors, which is why most people work with a recovery service.
We work on a contingency basis — no upfront fees. Our standard fee is 25% of the recovered amount. If you use our self-service portal, you save an additional 5%. If we don't recover anything, you owe nothing.
Ready to Recover Your Funds?
Don't let your Marylandsurplus funds expire. Check your eligibility now — it's free.
Check My Eligibility FreeNo upfront fees — you only pay when we recover your funds