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I am in CA and my client has a 1st and a 2nd purchase money loan with Chase. We are in escrow, but now sure about the 2nd which gives Chase the right to come after the deficiency. Negotiator states that it is better if she takes this because if she doesn't, Chase will foreclose judicially and not do trustee sales  in all states because they have a team of attorneys that will sue in all states for deficiencies. If they foreclose, client will be sued for the whole amount. I know that we are a non-recourse state and they will go nowhere with the foreclosure.  Chase negotiator said that if seller did not agree to the verbiage on the 2nd approval, she does not have to sign it. Once the shortsale has closed. CA law will take over. My client does not want to foreclose. Can Chase come after her for the 2nd loan deficiency if she does not sign it? I appreciate your expert advice tremendously!!!  Thank you