If your New York home sold for more than you owed, that extra money is yours — yet most never claim it. Keystone Fund Recovery handles everything, and there's no fee until you're paid.
We navigate New York's complex bureaucracy so you don't have to
When your home sells for more than you owe, that leftover money — called surplus funds — belongs to you. Unfortunately, most former owners never file a claim, so these dollars sit idle in New York county accounts.
Claim deadlines and complex paperwork mean many people simply miss out. At Keystone Fund Recovery, we take the confusion off your plate. Our team knows New York's county rules and deadlines by heart.
We research your foreclosure details, prepare and file all necessary documents, and track your claim through every step — so you can move forward without worry.
No fees unless we recover your funds
We know each county's specific rules
Your personal specialist from start to finish
From the moment you contact us, our streamlined approach — rooted in New York's legal code — gets your claim in motion
What happens: We scour New York's public foreclosure and tax auction records to see if surplus funds are waiting for you. This initial search is free, with no strings attached.
Timeline: 24-48 hours
What we do: Once we confirm funds exist, we prepare your court petition — Surplus Moneys Order (RPAPL §1354) or County Finance Affidavit (CPLR 5003-a) as needed. You just review, sign, and return.
Timeline: 3-5 days
Our work: We file your claim with the correct county clerk or referee's office and track every milestone: hearings, lienholder notifications, or any interim requests. You receive regular updates.
Timeline: 30-60 days
Final step: After the court signs off, the clerk issues your surplus check. You get paid first; we deduct our agreed-upon percentage at disbursement. It's that simple.
Timeline: 7-14 days after approval
Timeline varies by county and case complexity
Start Your Recovery TodayComprehensive surplus fund recovery for all New York residents
When a New York foreclosure sale nets more than the mortgage balance, we petition the court on your behalf — up to 5 years after the sale.
New York counties often hold overage funds after property auctions. We'll uncover these tax sale overages and guide your claim to completion.
Uncashed checks, escrow refunds, and dormant funds can sit in New York state custody. We track down and claim these balances.
Whether your property was in NYC, Long Island, Upstate, or Western NY, we know your county's specific requirements and deadlines.
Everything New York homeowners should know
When a home sells at a foreclosure auction for more than what was owed (taxes, liens, costs), the leftover money — called surplus funds or overages — may belong to the former property owner. For example, if you owed $180,000 but the property sold for $220,000, you may be entitled to the $40,000 surplus.
Government offices don't actively notify former owners about available surplus funds. Many people never realize this money exists and may be waiting to be claimed.
Time limits vary and depend on when the sale occurred and local procedures. It's important to act promptly, as deadlines can result in loss of your right to claim these funds.
Yes — any eligible party can file. However, navigating county procedures, required forms, and documentation can be complex. One error or missed requirement can delay or prevent your claim.
Building our reputation one successful claim at a time
We operate in full compliance with New York state regulations and follow each county's procedures.
We cover all research, filing, and administrative costs. You only pay from successfully recovered funds.
Regular updates in plain English. Direct access to your case manager throughout the process.
We're committed to ethical practices and transparency. Your rights guide every decision we make.
Get clear answers about the surplus fund recovery process
Don't let New York's five-year deadline pass you by. In just 2 minutes, we'll confirm if surplus funds are waiting for you — no cost, no commitment.