In our experience, we get a full release on the Note balance better than 85% of the time. The reason that the percentage may be so high is that in Washington/Oregon a creditor that forecloses on a home nonjudicially (without the assistance of the courts) cannot pursue the homeowner for any remaining deficiency balance. Many other states have similar rules.
How often will a creditor give a full release of the Note deficiency in a short sale?
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