Actually it’s much easier than that, though not in the current interest rate environment: you just refinance, and likely save money along the way. Note that yo

Actually it’s much easier than that, though not in the current interest rate environment: you just refinance, and likely save money along the way. Note that your first mortgage in CA is nonrecourse, but a refinanced mortgage is not nonrecourse (meaning the lender can come after you personally if you end up underwater).