I'm in CA, which is a non recourse state, but since I refi'd through HARP over a year ago, I'm pretty sure I now have a recourse loan. It's actually the 2nd time I refi'd...the first time was probably 4 years ago and I refi'd both my first and second into 30 year fixed. The HARP only touched my first. How does this affect any potential SS I might attempt? Do I have any way to ensure that the lender can't go after me if the SS goes through? Also, I know there are tax laws that expire at the end of this year so I don't have to pay taxes on the difference between SS value and loan value but does that apply to recourse loans?