{"id":369145,"date":"2016-04-04T10:47:15","date_gmt":"2016-04-04T15:47:15","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/realestate\/foreclosure\/what-are-anti-deficiency-laws.html"},"modified":"2024-01-02T13:43:40","modified_gmt":"2024-01-02T18:43:40","slug":"what-are-anti-deficiency-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/realestate\/foreclosure\/what-are-anti-deficiency-laws.html","title":{"rendered":"What Are &#8216;Anti-Deficiency&#8217; Laws?"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">What Are &#039;Anti-Deficiency&#039; Laws?<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/robert-rafii-esq\/\">Robert Rafii, Esq.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/katrina-wilson-esq\/\">Katrina Wilson, Esq.<\/a>\n                | Last updated\n        <time>\n                            January 02, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Some states have anti-deficiency laws as a form of relief from some aspects of foreclosure. These state laws protect borrowers by stopping creditors from going after them. Mortgage debts with anti-deficiency protection include:<\/p>\r\n<ul>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/mortgages-equity-loans.html\">Mortgage loans<\/a><\/li>\r\n<li><a href=\"https:\/\/dictionary.findlaw.com\/definition\/purchase-money-mortgage.html\" target=\"_blank\" rel=\"noopener\">Purchase money mortgages<\/a><\/li>\r\n<\/ul>\r\n<p>Anti-deficiency home loans prohibit lenders from suing their borrowers for the difference between the mortgage balance and foreclosure sale price.<\/p>\r\n<p>The following is a general overview of how these laws work. See FindLaw&#8217;s&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-process\/\">Foreclosure Process<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/state-specific-information-on-foreclosure.html\">State Foreclosure Laws<\/a>&nbsp;sections for more information.<\/p>\r\n<h2>Example Anti-Deficiency Scenarios<\/h2>\r\n<p>California has anti-deficiency laws. Suppose a home in California gets sold through a trustee&#8217;s sale in a&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-judicial-sale.html\">non-judicial foreclosure<\/a>. The original home price was $500,000, which was entirely borrowed. But the home only sells for $300,000 after the bank forecloses. A mortgage lender can&#8217;t sue the homeowner for the $200,000 difference. This is true even though the property&#8217;s fair market value was insufficient to pay off the total amount of the $500,000 mortgage.<\/p>\r\n<p>Similarly, a primary home is secured by a deed of trust or purchase money loan. Arizona&#8217;s anti-deficiency statute may protect it. Arizona&#8217;s anti-deficiency law applies to homes on less than 2.5 acres of land. Arizona law also requires the house to be a single one-family or single two-family dwelling.<\/p>\r\n<p>In general, anti-deficiency state laws only apply to a borrower&#8217;s primary house, not second homes or vacation property. Anti-deficiency laws typically do not protect second mortgages or home equity lines of credit. Also, there is no protection when the property isn&#8217;t used as the purchaser&#8217;s primary residence.<\/p>\r\n<h2>How Anti-Deficiency Laws Work<\/h2>\r\n<p>In a typical foreclosure, if the purchaser fails to make the mortgage payment, then:<\/p>\r\n<ul>\r\n<li>The property gets foreclosed and<\/li>\r\n<li>The lender takes the title through a legal procedure<\/li>\r\n<\/ul>\r\n<p>The property then gets sold to pay the mortgage. But a deficiency between the sale price and the outstanding balance of the mortgage may exist. Many states that allow deficiency lawsuits base the deficiency on the house&#8217;s fair market value, not the selling price. Suppose a home sold for $300,000 at foreclosure but an appraiser valued it at $400,000. If a borrower still owes $500,000, they can only get sued for $100,000.<\/p>\r\n<p>Under anti-deficiency laws, a lender can only recover the property and the proceeds of a later sale. In other words, the borrower does not pay any deficit between the sale proceeds and the outstanding loan balance. This allows the borrower to walk away from a property without owing a deficiency judgment.<\/p>\r\n<p>A bankruptcy filing will typically wipe out such debts in states where deficiency claims are allowed. In such states, a borrower may also successfully defend against the claim if the lender fails to bid a fair market price at foreclosure.<\/p>\r\n<h2>Contact a Foreclosure Attorney<\/h2>\r\n<p>Keep in mind that every person&#8217;s situation is different. Some borrowers may be listed as guarantors on promissory notes, incurring personal liability. Others might be exempt under nonrecourse laws. Understanding these distinctions can be confusing.<\/p>\r\n<p>Speak with a&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">real estate foreclosure attorney<\/a>&nbsp;for information specific to your state. They can give you legal advice to help you take advantage of anti-deficiency laws. A lawyer can also help you explore other options to delay or prevent foreclosure.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path 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rel=\"noopener\">Construction Law Attorneys<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Some states have anti-deficiency laws, which protect purchasers of residential real property. Findlaw explains how these laws protect delinquent homeowners.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":369116,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2741],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-369145","page","type-page","status-publish","hentry","category-realestate"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=369145"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369145\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369116"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=369145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=369145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=369145"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=369145"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=369145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}