Most people believe that when a home is foreclosed, everything is lost. But that's not always true.

When foreclosure properties sell at auction, they sometimes sell for more than the debt owed. The remaining money—called surplus funds or overages—may still belong to the former homeowner. Across the United States, millions of dollars sit unclaimed in court accounts waiting for the rightful owners to recover them.

In Lost Equity, Nicholas Salerno III explains in simple terms:

• How foreclosure surplus funds are created

• How homeowners can recover money after foreclosure

• How to locate surplus funds in public records

• How to avoid scams and predatory recovery companies

• How heirs and families can claim funds through estates and probate

Whether you lost a home, are helping a family member, or simply want to understand how the system works, this practical guide shows how lost equity may not be lost at all.