5 years ago I refinanced my original home loan, but only to reduce my monthly payments. I never took any equity money out. Only the cost of refinancing was included in the new loan. Does this in anyway affect the "non-deficiency" protection?
The home is located in Arizona and is in foreclosure and is scheduled for "Trustee sale" at the end of the year. I have no desire to keep the home, Due to no fault of mine it is now only worth about half of what I owe.
Thanking You in advance.