Library
Guides
Plain-English explanations of how Texas surplus funds actually work — written so you can act on them without hiring anyone, including us.
Index
01How to Find Out If You Have Surplus Funds (Texas)A step-by-step way to check, for free, whether your Texas foreclosure or tax sale produced a surplus — which records to pull and who to call.02The Texas Foreclosure TimelineHow a Texas non-judicial foreclosure runs from default to trustee's sale, and the exact point in that timeline where a surplus is created and held.03Claiming Surplus Funds When the Owner Has DiedThe owner passed away and the property later sold at foreclosure or tax sale. How the surplus passes to heirs in Texas and what proof the court requires.04How Junior Liens Affect Your SurplusSecond mortgages, HELOCs, judgments and HOA liens can reach a Texas foreclosure surplus ahead of the former owner — but only if valid and enforceable.05A Recovery Company Contacted You. Now What?Got a letter or call about money from your foreclosure? How to verify the claim for free, what never to sign, and how to compare offers.06Surplus Funds vs. Unclaimed PropertyTexas unclaimed property at the Comptroller is not the same as foreclosure surplus funds held by a court. Where each is held and how each is claimed.
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