Build the record trail
- Identify the property, sale date and recording office.
- Review the deed or sale document and its instrument number.
- Confirm the relevant payoff rather than using the original loan amount.
- Account for sale costs and other claims or liens.
- Confirm who holds any remaining funds and what documentation they require.
A common misunderstanding
The difference between a property's market value and its debt is not the same as sale surplus. Start with the actual sale proceeds and obligations paid from them.
Caliber helps organize research and explain gaps. We do not determine legal entitlement.