help!!! CA deficiency judgement


Posted by worried homeowner on December 19, 2007 at 16:07:59:

Bought a townhouse in '06 at CA for $440K (with 1st mortgage for 340K, as purchased loan & 2nd loan for 100K). Currently, same townhouse for sale in the area is selling for $359K, which means - most likely I don't have any equity. My rate will reset soon & won't be able to afford the new mortage amt. If I do foreclosure or short sale (for sure less than the loan amount 440K), can there be a deficiency judgement against me? Please help. This is driving me insane. Thank you.


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