Surplus Funds Recovery in New Hampshire
If your property was foreclosed in New Hampshire 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.
New Hampshire allows 1 year to claim surplus funds from a power of sale foreclosure.
Free eligibility check — takes 30 seconds. No upfront fees.
Check My Eligibility FreeHow Surplus Funds Work in New Hampshire
New Hampshire uses non-judicial (power of sale) foreclosure. This means foreclosures can happen outside the court system, often moving faster than judicial states.
Under New Hampshire RSA § 479:26, 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.
New Hampshire uses non-judicial power of sale foreclosure. The state has relatively high property values, especially in southern counties near Boston. Hillsborough and Rockingham counties have the highest volumes.
How to File a Surplus Funds Claim in New Hampshire
Contact the mortgagee or their attorney who conducted the foreclosure
Submit a written demand for surplus funds to the foreclosing party
Provide proof of identity and former ownership of the property
If the demand is refused or disputed, file an action in superior court
Funds are disbursed directly or per 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 New Hampshire to file your claim. You only pay when we recover your funds.
Top New Hampshire Counties for Surplus Funds
These New Hampshire counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — New Hampshire
New Hampshire allows 1 year 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 New Hampshire typically range from $8,000–$25,000, 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 New Hampshire RSA § 479:26. 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.
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