I’m not an attorney but that was a faulty post. CA is one action state. If the first lender forecloses on you in a non-judicial fashion (which is the case in 99.9% of foreclosures) they cannot pursue you because they already took their one action. The refi/deficiency only really becomes an issue on sold out junior liens (i.e. refied 2nd and 3rd loans that receive nothing after a foreclosure by the 1st lienholder)
