--- title: "What Are Mortgage Overages? | E. Albert Law" description: "Our law firm has recovered millions of dollars in mortgage surplus funds for property owners who thought all was lost after a foreclosure. Learn what mortgage overages are and how to claim them." lang: en json-ld: | { "@context": "https://schema.org", "@type": "Article", "headline": "What Are Mortgage Overages?", "description": "Our law firm has recovered millions of dollars in mortgage surplus funds for property owners who thought all was lost after a foreclosure. Learn what mortgage overages are and how to claim them.", "datePublished": "November 14, 2022", "author": { "@type": "Person", "name": "Esther Mesidor" }, "publisher": { "@type": "Organization", "name": "E. Albert Law" }, "image": "https://excessfundslawyer.com/images/blog/what-are-mortgage-overages-social.jpg" } --- [![E. Albert Law](/assets/ea-law-logo-BW8YqpsI.png)](/) Georgia Lawyer [Atlanta Accident / Personal Injury Lawyer](/atlanta-personal-injury-lawyers)[Georgia Foreclosure Excess Proceeds Recovery Attorney](/surplus-funds-recovery) Surplus Funds [Former Homeowner](/georgia-homeowners-claim-for-surplus-money-after-foreclosure)[Third-Party Companies](/atlanta-lawyer-for-third-party-companies-fund-claims)[Other Interested Party](/georgia-other-interested-party-rights-to-excess-proceeds-claim)[Attorney for Foreclosure Probate Services](/atlanta-attorney-service-for-probate-owners-fund-claims)[Find a County List](/blog/georgia-county-surplus-funds-list) Atlanta Area [Atlanta](/atlanta-personal-injury-lawyers)[Buckhead](/buckhead-personal-injury-lawyer)[Decatur](/decatur-personal-injury-lawyer)[DeKalb County](/dekalb-county-personal-injury-lawyer)[Dunwoody](/dunwoody-personal-injury-lawyer)[Fulton County](/fulton-county-personal-injury-lawyer)[Mableton](/mableton-personal-injury-lawyer)[Sandy Springs](/sandy-springs-personal-injury-lawyer)[Smyrna](/smyrna-personal-injury-lawyer)[Stone Mountain](/stone-mountain-personal-injury-lawyer) Personal Injury [Back Injury](/atlanta-back-injury-lawyer)[Construction Accident](/atlanta-construction-accident-lawyers)[Dog Bite](/atlanta-dog-bite-lawyer)[Fall Accident](/atlanta-fall-accident-lawyer)[Industrial Accident](/atlanta-industrial-accident-attorney)[Neck Injury](/atlanta-neck-injury-attorneys)[Spinal Cord](/atlanta-spinal-cord-injury-attorney)[Warehouse](/atlanta-warehouse-accident-lawyer)[Whiplash](/atlanta-whiplash-injury-attorney)[Work](/atlanta-work-accident-lawyers)[Workplace](/atlanta-workplace-injury-attorneys) Georgia Attorney [Georgia Personal Injury Lawyer](/georgia-personal-injury-lawyer)[Georgia Car Accident Attorney](/georgia-car-accident-lawyer)[Georgia Truck Accident Attorney](/georgia-truck-accident-lawyer)[Georgia Motorcycle Accident Attorney](/georgia-motorcycle-accident-lawyer)[Georgia Bicycle Accident Attorney](/georgia-bicycle-accident-lawyer)[Georgia Pedestrian Accident Attorney](/georgia-pedestrian-accident-lawyer)[Georgia Slip & Fall Accident Attorney](/georgia-fall-accident-lawyer) Vehicle Accident [Car Accident](/atlanta-car-accident-lawyers)[Bicycle Accident](/atlanta-bicycle-accident-lawyers)[Motorcycle Accident](/atlanta-motorcycle-accident-lawyers)[Pedestrian Accident](/atlanta-pedestrian-accident-lawyers)[Truck Accident](/atlanta-truck-accident-lawyers)[Distracted Driving](/atlanta-distracted-driving-accident-attorney)[Drunk Driving](/atlanta-drunk-driving-accident-lawyer)[Hit and Run](/atlanta-hit-and-run-accident-lawyers)[Lyft](/atlanta-lyft-accident-lawyer)[Rideshare](/atlanta-rideshare-accident-lawyers)[Uber](/atlanta-uber-accident-attorney) EA Law [About](/about)[Blog](/blog)[Facebook Group](https://www.facebook.com/groups/surplusfundsgeorgia)[Contact the Attorney](/contact) [678-664-4878](tel:6786644878) [](tel:6786644878)[678-664-4878](tel:6786644878) # Mortgage Foreclosure Surplus Funds Guide November 14, 2022 3 min read ![what are mortgage overages?](/images/blog/what-are-mortgage-overages.jpg) Our law firm has recovered millions of dollars through our mortgage overage [claim service](/surplus-funds-recovery) for property owners who thought all was lost after a foreclosure. Mortgage overages are the surplus funds left over when a foreclosed property is sold at a foreclosure auction for more than the remaining mortgage owed to the lender. In Georgia, when you get behind on your mortgage payments, the bank or lender can foreclose on your property without going to court. That is called a non-judicial foreclosure. Typically, the lender will hire a private attorney or law firm, named a trustee, to coordinate the foreclosure. Similar to a [tax sale](/blog/tax-deed-sale-overage-money-explained), the trustee will then hold a mortgage foreclosure auction to sell the home in order to collect anything that you may owe on the property, including missed mortgage payments, interest, and any fees. This is where mortgage surplus funds come in. If the property is foreclosed on for more money than what you owed, that money does not belong to the lender. In most cases, the leftover money belongs to the former property owner — YOU. Think of this money as equity in your previous property that is owed back to you, not the bank. The lender is only able to keep the amount that you actually owed. This means that, sometimes, a foreclosure can be financially beneficial. These overages can often be a windfall that former property owners were not expecting. If you lost your home in a foreclosure for missed mortgage payments and the property was later sold at auction for more than what you owed, our attorneys can help you recover the surplus funds that you are entitled to. Call E. Albert Law at [678-664-4878](tel:6786644878) for your free consultation or email us at surplusfunds@ealbertlaw.com. [How Long Does It Take To Get Surplus Funds? ](/blog/how-owners-collect-money-from-foreclosure-sale) ### Contact Us Today Please note: Our office does not respond to requests for excess funds lists. Please contact the county directly. Name \* Email \* Phone \* Message \* Send > > "The Lord God has told us what is right and what he demands: See that justice is done, let mercy be your first concern, and humbly obey your God." \- Micah 6:8 [![E. Albert Law](/assets/ea-law-logo-BW8YqpsI.png)](/) The information on this website is for general informational purposes only and does not constitute legal advice. ### Atlanta Area [Atlanta Injury](/atlanta-personal-injury-lawyers)[Buckhead Injury](/buckhead-personal-injury-lawyer)[Decatur Injury](/decatur-personal-injury-lawyer)[DeKalb County Injury](/dekalb-county-personal-injury-lawyer)[Dunwoody Injury](/dunwoody-personal-injury-lawyer)[Fulton County Injury](/fulton-county-personal-injury-lawyer)[Mableton Injury](/mableton-personal-injury-lawyer)[Sandy Springs Injury](/sandy-springs-personal-injury-lawyer)[Smyrna Injury](/smyrna-personal-injury-lawyer)[Stone Mountain Injury](/stone-mountain-personal-injury-lawyer) ### Personal Injury [Back Injuries](/atlanta-back-injury-lawyer)[Construction Accidents](/atlanta-construction-accident-lawyers)[Dog Bite](/atlanta-dog-bite-lawyer)[Fall Accidents](/atlanta-fall-accident-lawyer)[Industrial Accidents](/atlanta-industrial-accident-attorney)[Neck Injuries](/atlanta-neck-injury-attorneys)[Spinal Cord](/atlanta-spinal-cord-injury-attorney)[Warehouse Accidents](/atlanta-warehouse-accident-lawyer)[Whiplash Injury](/atlanta-whiplash-injury-attorney)[Work Accidents](/atlanta-work-accident-lawyers)[Workplace Accidents](/atlanta-workplace-injury-attorneys) Vehicle Accident ### Surplus Funds [Excess Proceeds Lawyer](/surplus-funds-recovery)[Homeowner](/georgia-homeowners-claim-for-surplus-money-after-foreclosure)[Third Party](/atlanta-lawyer-for-third-party-companies-fund-claims)[Other Party](/georgia-other-interested-party-rights-to-excess-proceeds-claim)[Probate](/atlanta-attorney-service-for-probate-owners-fund-claims)[Funds List](/blog/georgia-county-surplus-funds-list) ### EA Law [About](/about)[Blog](/blog)[Excess Funds Facebook Group](https://www.facebook.com/groups/surplusfundsgeorgia)[Contact](/contact)[Sitemap](/sitemap.xml) ### Contact the Lawyer [678-664-4878](tel:6786644878)[surplusfunds@ealbertlaw.com](mailto:surplusfunds@ealbertlaw.com) 400 Galleria Pkwy, Ste 1500 Atlanta, Georgia 30339 [](https://www.facebook.com/ealbertlawllc)[](https://www.instagram.com/ealbertlaw/) Atlanta law firm focused on surplus funds recovery and personal injury to help Georgia clients recover the money they are owed after an accident or foreclosure in GA. © 2026 E. Albert Law, LLC. All rights reserved. Atlanta Personal Injury Attorney and Georgia Excess Funds Lawyer