Well, first let’s define what a recourse state is. A recourse state is a state such as NJ where the lender is allowed to come after you (recourse) in the case of default of a loan. For example, with a foreclosure, if you default the lender will foreclose on the property but if there is a balance (also known as deficiency judgement) the lender in the state of NJ has the right to come after you for that remaining balance.
There are 12 states that are non-recourse states and the remaining 38 states are recourse states.
Here is a link to see if your state is a recourse or non-recourse state: