In Arizona, anti-deficiency protection applies to:

Anti-deficiency protection does not apply to all mortgages in Arizona — refinance loans, home equity lines of credit, and cash-out refinances are generally not considered 'purchase money' loans and therefore do not receive anti-deficiency protection, leaving borrowers potentially liable for deficiencies on those loan types.

The anti-deficiency protection under A.R.S. § 33-814(G) is a state law protection that applies based on the nature and use of the loan and property, not based on whether the loan is insured by FHA — FHA insurance protects the lender against default losses, which is a separate concept entirely from state anti-deficiency law.

Similarly, VA loan guaranty protects the lender (VA reimburses the lender for losses), but Arizona's anti-deficiency statute is not limited to VA loans — it applies to qualifying purchase money loans regardless of whether they are conventional, FHA, VA, or any other loan type, as long as the statutory criteria are met.