Lamb v. Nationstar Mortg., LLC
Decision Date | 19 August 2015 |
Docket Number | No. 4D13–3125.,4D13–3125. |
Parties | Craig D. LAMB, Appellant, v. NATIONSTAR MORTGAGE, LLC, et al., Appellee. |
Court | Florida District Court of Appeals |
Craig D. Lamb, West Palm Beach, pro se.
Silver Jade Deutch of Morris Schneider Wittstadt, Tampa, for appellee Nationstar Mortgage, LLC.
Craig Lamb appeals a final judgment of foreclosure. We find the trial court erred in determining that Nationstar Mortgage, LLC, had standing and reverse.
This court reviews the sufficiency of the evidence to prove standing to bring a foreclosure action de novo. Dixon v. Express Equity Lending Grp., LLLP, 125 So.3d 965, 967 (Fla. 4th DCA 2013). In addition to proving standing when the complaint is filed, a bank must also establish its standing at the time final judgment is entered. Boumarate v. HSBC Bank USA, N.A., 109 So.3d 1239, 1239 (Fla. 5th DCA 2013).
This case was commenced by Aurora Loan Services, LLC. The note attached to the complaint included several indorsements, the last one being a special indorsement in favor of Aurora. Nationstar filed a Motion for Substitution of Party Plaintiff, alleging it had acquired the note and mortgage. Nationstar attached to the motion an “Assignment of Mortgage” from Aurora. Without objection, the court issued its order allowing the substitution.
At trial, the court took judicial notice of the court file, including the order allowing substitution of Nationstar for Aurora as plaintiff. Nationstar's witness testified that There was no other testimony on the issue of Nationstar's standing. The original note was lost and the copy placed into evidence was specially indorsed to Aurora.
“When specially indorsed, an instrument becomes payable to the identified person and may be negotiated only by the indorsement of that person.” § 673.2051(1), Fla. Stat. (2013). Where a bank is seeking to enforce a note which is specially indorsed to another, it may prove standing “ ‘through evidence of a valid assignment, proof of purchase of the debt, or evidence of an effective transfer.’ ” Stone v. BankUnited, 115 So.3d 411, 413 (Fla. 2d DCA 2013) (quoting BAC Funding Consortium Inc. ISAOA/ATIMA v. Jean–Jacques, 28 So.3d 936, 939 (Fla. 2d DCA 2010) ); see also Hunter v. Aurora Loan Servs., LLC, 137 So.3d 570, 573 (Fla. 1st DCA), review denied,
157 So.3d 1040 (Fla.2014) ; Dixon, 125 So.3d at 967 ( )(quoting Rigby v. Wells Fargo Bank, N.A., 84 So.3d 1195, 1196 (Fla. 4th DCA 2012) ). “A witness who testifies at trial as to the date a bank became the owner of the note can serve the same purpose as an affidavit of ownership.” Sosa v. U.S. Bank Nat'l Ass'n, 153 So.3d 950, 951 (Fla. 4th DCA 2014).
Nationstar did not prove its standing to enforce the note through evidence of an assignment because the assignment at bar assigns only the mortgage. “The mortgage follows the assignment of the promissory note, but an assignment of the mortgage without an assignment of the debt creates no right in the assignee.” Tilus v. AS Michai LLC, 161 So.3d 1284, 1286 (Fla. 4th DCA 2015) (citing Bristol v. Wells Fargo Bank, Nat'l Ass'n, 137 So.3d 1130, 1133 (Fla. 4th DCA 2014) ). A bank does not have standing to foreclose where it relies on an assignment of the mortgage only.
We also find that Nationstar failed to prove its standing through either “proof of purchase of the debt,” “evidence of an effective transfer,” or “affidavit of ownership proving its status as holder.” While its witness testified that Nationstar acquired Aurora, the witness did not testify that Nationstar acquired this particular note which bears a special indorsement to Aurora. See Dixon, 125 So.3d at 967 (...
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