In most cases, no, you won’t because you have limited equity in the house.   Equity is the amount your house is worth after subtracting the amount owed on the mortgage and the homestead exemption that you are allowed under Virginia law.

If you have enough equity to cause a problem, you may need to file Chapter 13 to protect the house.  This is something we spend a lot of time discussing with you.   It is the reason we require a number of legal documents pertaining to each piece of real estate.