Foreclosure can feel like the end of the road. Your home is auctioned, your equity seems lost, and your future feels uncertain. But what many Florida homeowners don’t realize is that there’s still financial hope after foreclosure. If your property sold for more than what was owed on your mortgage, you may be entitled to foreclosure surplus funds—and Capital Crafter is here to help you claim them.

No upfront fees. We only get paid when you do.

What Are Foreclosure Surplus Funds?

Surplus funds are not a gift—they are your legal right under Florida Statutes §45.032 and §43.03. These funds typically arise when competitive bidding at auction drives up the final price, leaving a balance after the lender’s dues are cleared. However, claiming these funds involves filing petitions, submitting documentation, and navigating tight timelines.

Foreclosure surplus funds are the remaining balance after a foreclosed property is sold at auction, once the lender and court fees have been paid off. For example, if you owed $150,000 on your mortgage and your home sold for $180,000, you may be eligible to claim the $30,000 difference. These funds legally belong to you or your heirs, not the bank, the government, or the buyer.

Unfortunately, this money often goes unclaimed—either because homeowners don’t know it exists or they don’t know how to get it. That’s where we come in.

Why It’s Crucial to Act Quickly

Florida law mandates a 60-day window to file your claim after the foreclosure sale. After this period, others—like lienholders or the county—may have the right to petition for the funds. Waiting too long or making a filing mistake could result in losing your rightful money.

We understand this process and the urgency it requires. At Capital Crafter, our experts are trained in navigating Florida foreclosure statutes and legal procedures. We act fast, file correctly, and make sure no detail is missed.

Our End-to-End Recovery Process

Free Eligibility Review

We evaluate your foreclosure case and verify if surplus funds exist.

Paperwork Preparation

Our team handles all the legal documentation, forms, and filings on your behalf.

Court Representation

We represent your interests before the court to maximize your chance of a successful claim.

Funds Disbursement

Once approved, your money is released—quickly and securely.

Your Equity Doesn’t Belong to the Past

Just because your home was foreclosed doesn’t mean you’ve lost everything. You may still have unclaimed funds waiting for you—and we’re here to help you claim them. Capital Crafter offers the guidance, legal knowledge, and compassion you need during this challenging time

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