[toast0]

Refinance in California remains non-recourse as of maybe 10 years ago.

Washington isn't really non-recourse, lenders have the option of recourse or non when pursuing foreclosure, non-recourse is significantly faster and is predominantly chosen; but if it was known you had assets, they might choose to go recourse.

[bxparks]

According to https://www.bankruptcysoapbox.com/california-extends-protect..., you are correct for loans after Jan 1, 2013. The relevant statute SB-1069 is here: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml...