Deutsche Bank Nat'l Trust Co. v. Logan
Decision Date | 18 January 2017 |
Citation | 146 A.D.3d 861,2017 N.Y. Slip Op. 00289,45 N.Y.S.3d 189 |
Parties | DEUTSCHE BANK NATIONAL TRUST COMPANY, etc., respondent, v. Janice Wood LOGAN, appellant, et al., defendants. |
Court | New York Supreme Court — Appellate Division |
Marco & Sitaras, PLLC, New York, NY (George Sitaras and Maurizio Anglani of counsel), for appellant.
Ras Boriskin, LLC, Westbury, NY (Sara Z. Boriskin, Jonathan M. Cohen, and Jason Creech of counsel), for respondent.
REINALDO E. RIVERA, J.P., LEONARD B. AUSTIN, SHERI S. ROMAN, and FRANCESCA E. CONNOLLY, JJ.
In an action to foreclose a mortgage, the defendant Janice Wood Logan appeals, as limited by her brief, from (1) stated portions of an order of the Supreme Court, Dutchess County (Brands, J.), dated October 28, 2014, and (2) so much of an order of the same court, also dated October 28, 2014, as granted those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against her, to strike her answer, and to appoint a referee to compute the amount due to the plaintiff, and, in effect, denied her cross motion for summary judgment dismissing the complaint insofar as asserted against her.
ORDERED that one bill of costs is awarded to the plaintiff.
In September 2006, the defendant Janice Wood Logan executed a note in the sum of $304,000 in favor of nonparty IndyMac Bank, F.S.B., which was secured by a mortgage against real property owned by Logan. On March 17, 2010, the plaintiff commenced this foreclosure action after Logan defaulted on her payment obligations under the note. The complaint alleged that the plaintiff was the holder of the note and mortgage. The note, which was endorsed in blank, was among several exhibits annexed to the complaint.
Logan answered the complaint, alleging, among other affirmative defenses, that the plaintiff lacked standing to maintain this foreclosure action. Subsequently, the plaintiff moved, inter alia, for summary judgment on the complaint insofar as asserted against Logan, to strike her answer, and to appoint a referee to compute the amount due to the plaintiff. Logan cross-moved for summary judgment dismissing the complaint insofar as asserted against her. The Supreme Court, inter alia, granted the aforementioned branches of the plaintiff's motion and, in effect, denied Logan's cross motion.
In moving for summary judgment in an action to foreclose a mortgage, a plaintiff establishes its prima facie entitlement to judgment as a matter of law by producing the mortgage, the note, and evidence of the default in payment (see HSBC Mtge. Servs., Inc. v. Royal, 142 A.D.3d 952, 37 N.Y.S.3d 321 ; Midfirst Bank v. Agho, 121 A.D.3d 343, 347, 991 N.Y.S.2d 623 ). Where, as here, the plaintiff's standing has been placed in issue by the defendant's answer, the plaintiff additionally must prove its standing as part of its prima facie showing (see Aurora Loan Servs., LLC v. Mercius, 138 A.D.3d 650, 651, 29 N.Y.S.3d 462 ; HSBC Bank USA, N.A. v. Baptiste, 128 A.D.3d 773, 774, 10 N.Y.S.3d 255 ). "A plaintiff has standing in a mortgage foreclosure action where it is the holder or assignee of the underlying note at the time the action is commenced" (Deutsche Bank Natl. Trust Co. v. Brewton, 142 A.D.3d 683, 684, 37 N.Y.S.3d 25 ; see Aurora Loan Servs., LLC v. Taylor, 25 N.Y.3d 355, 361, 12 N.Y.S.3d 612, 34 N.E.3d 363 ). "Either a written assignment of the underlying note or the physical delivery of the note prior to the commencement of the foreclosure action is sufficient to transfer the obligation, and the mortgage passes with the debt as an inseparable incident" (Dyer Trust 2012–1 v. Global World Realty, Inc., 140 A.D.3d 827, 828, 33 N.Y.S.3d 414 ; see Aurora Loan Servs., LLC v. Taylor, 25 N.Y.3d at 361–362, 12 N.Y.S.3d 612, 34 N.E.3d 363 ; JPMorgan...
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