Whether or not the loan on your home would be subject to a deficiency judgment depends upon whether or not the loan was acquired for the home's purchase and if your state has anti-deficiency laws in place. If your loan was a purchase money loan there is a good chance that you would not be subject to a deficiency judgment.If the foreclosure was by way of a non-judicial foreclosure versus a judicial foreclosure, likewise you might not be subject to a deficiency judgment. I recommend that you consult further with a real estate attorney about your situation.