Can the lender go after the buyer after a Foreclosure in VA?

I have an interest only 5 year ARM, 100% financed loan. (100% financed in a single loan not 80/20). The ARM will reset next year. I am underwater by as much as 100K. The lender isn’t cooperating and I am trying my best, with the help of some organizations, to find a way to refinance my mortgage and turn it into a 30 year fixed, etc…

I will do my best to avoid a foreclosure. However, if I chose to walk away, I need to understand from now what to expect. I know that the lender can go after the buyer in Virginia (paycheck, assets, etc…)

My question is: Is this always the case? Can my mortgage be different? Can my mortgage be different because it is 100% financed or because it is interest only? How can I verify that?

Thanks for your help!!

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