Surplus funds leads
Foreclosure surplus funds leads, built from the auction result.
Foreclosure surplus funds are what is left when a property sells at auction for more than was owed, and the former owner is entitled to the difference. Tax sale surplus funds work the same way after a tax sale. We build leads for both from the auction result itself: researched for estimated excess proceeds of $20,000 or more, skip traced across several paid tools, scrubbed against the federal Do Not Call registry, and delivered while the trail is still warm.
What arrives
with each lead
Not a name and an amount. Every foreclosure surplus funds lead arrives with these fields, and here is what each one is for.
The sale
What happened at the auction, in the numbers the county actually recorded.
The day the property sold, so you know exactly how warm the trail is and which statutory clock has started running.
What the selling officer opened at. In several states this is the debt itself, which is the first sanity check on whether a surplus is real.
What the property actually sold for. The gap between this and the debt is the surplus you are chasing.
We only keep sales that went to a third party. A property taken back by the lender leaves nothing over, and those never reach your list.
The county or trustee valuation, which tells you whether the winning bid was a bargain or a stretch.
The debt
What was owed against the property, because gross surplus is not what anyone takes home.
The figure the court entered. In judicial states this is the anchor for every calculation downstream.
What we estimate was still owed on the first position at the time of sale.
The principal worked forward from the original loan terms and recording date, which catches the cases where the stated balance is stale.
Everything we can see stacked together, so the surplus figure is a subtraction you can follow rather than a number you have to trust.
The surplus itself, estimated from the sale and the debt. We target $20,000 or more, because below that the economics of a signed case rarely work. It stays an estimate until the county confirms it.
The people
Who is owed the money, and every way we found to reach them.
The person entitled to claim, named as the county recorded them rather than as a skip trace guessed at.
Mobile and landline, compared across several paid skip tracing tools rather than trusting a single vendor.
For the channels a phone call does not reach, and for the mail piece that often lands better than a cold call.
Parents, children, spouses and known associates. On older cases the owner has often moved or passed, and a relative is the only live door.
Every number is checked against the federal Do Not Call registry before it reaches your dialer, so your team is not the one finding out the hard way.
The file
The identifiers that let you pull the record yourself and check our work.
The court case, so you can open the docket and read the judgment rather than take a figure on faith.
The assessor parcel number, which is how you find the property in county systems that do not search cleanly by address.
Street, city, county and state, standardised so the list sorts and dedupes properly against what you already hold.
Where the case sits in the process, which decides whether you are early enough to matter.
The trustee or selling officer handling the sale, pulled from the auction detail rather than a directory.
How it
reaches you
Leads land in the case pipeline in Surplus Funds, the CRM your plan includes, and you work them right there: call, text, mail and e-sign without exporting anything or copying a row.
Each lead publishes the moment it clears research, on its own, not batched into a nightly job or a monthly drop. The database updates while you are looking at it.
Each lead arrives with the sale, the debt, the people and the file, so your caller opens it and starts calling rather than researching first. Volume runs 20 to 40 fresh leads a day depending on plan and states.
How a lead
gets built
- Foreclosure and tax sale tracking
We monitor foreclosure and tax sale auctions across many states, held by counties, trustees and sheriffs, in person and online. Our team compiles the properties that sold to a third party with estimated excess funds of $20,000 or more.
Step 01 - Property research and scans
Every lead gets a property search: estimated mortgage balance and principal, the previous owner and their relatives, property address, parcel ID, case number, and the auction data itself including opening bid, winning bid, mortgage specifics and trustee contact.
Step 02 - Skip tracing
We skip trace the previous homeowner and their relatives and associates, then compare results across several paid tools rather than trusting one. Federal DNC scrubbing runs before anything reaches your callers.
Step 03 - Published in real time
Leads publish into Surplus Funds the moment they clear research, in real time rather than a monthly dump. Volume runs 20 to 40 fresh leads a day depending on your plan and states.
Step 04
Trusted by recovery firms
across the country
Client work “If you are looking to automate any part of your surplus funds business, Excess Quest is your go to resource.”
Nick FullmerSurplus Coach and Business Owner“We've tried many services but have found EQ to be the best.”
Brian BrownHead of Client Relations“Excess Quest assigned me a virtual assistant. I have been very pleased with his work ethic.”
Edwin ReinaBusiness Owner
100+websites built for recovery firms
- 2018Founded on cold calling and skip tracing
- 2025InceptDial merged into Excess Quest
- 2026Surplus Funds, our recovery CRM, launched
- Full timeCallers are employees, never contractors
Start on the states
you actually work.
Tell us your states and the volume you can handle and we will tell you what to expect there, honestly, including where our coverage is thin. Leads publish into Surplus Funds in real time from your first day.