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General information — not legal or financial advice

Mortgage Foreclosure Surplus vs. Tax-Sale Surplus

Mortgage foreclosure and tax foreclosure are not interchangeable. They can have different holders, filing deadlines, priority rules, assignment restrictions, fee limits, notice req…

Category: State-law distinctions · Last reviewed 2026-07-14

What to know

Mortgage foreclosure and tax foreclosure are not interchangeable. They can have different holders, filing deadlines, priority rules, assignment restrictions, fee limits, notice requirements, and court procedures.

Practical safeguards

A website, agreement, or sales script should identify the lane before quoting a fee or promising a process. Texas, Florida, and Georgia are especially important examples where separate workflows are necessary.

General information only: This guide is not legal advice and remains subject to attorney review. State laws and holder procedures change.