text: does wa. state anti-deficiency laws, if the mortgage is a purchase money mortgage for the purchase occupied by   if the loan was a deed of trust, it is stunningly rare for there to be a deficiency judgement. it is only likely if there is fraud involved or if the lien holder thinks that you have a lot of other money hidden away. instead of the simple 120 day foreclosure, he has to go to a judge and file suit based on the note. it doesn't happen unless the lender thinks it will be really worth their time.   leigh m portland http://www.leighmaynard.com i am a realtor in oregon and washington  ps -- if you are behind on your loan and may lose the house, please email me off list. i know someone who may be able to stop the foreclosure and help save your credit.  you can email me from my website. best wishes!