FEDERAL NATIONAL MORTGAGE ASSOCIATION, APPELLANT,
v.
ASTRID SANCHEZ, BOTANICA/SEA PLUM MASTER ASSOCIATION, INC., SANDPIPER COVE AT BOTANICA CONDOMINIUM ASSOCIATION, INC., AND CARLOS NAVAS, APPELLEES
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Federal National Mortgage Association sought to vacate a foreclosure judgment due to a defective legal description in the property. The trial court granted the motion to vacate but then sua sponte dismissed the case without notice or hearing. The appellate court reversed, holding that dismissal violated due process and that vacating the judgment and sale was sufficient—the case need not be dismissed, allowing Fannie Mae to amend and proceed.
The court held that Fannie Mae was denied due process because dismissal was entered without notice or opportunity to be heard. The court further held that dismissal of the entire action was unwarranted; vacating the final judgment, judicial sale, and certificate of title is sufficient, and Fannie Mae can amend its complaint to correct the erroneous legal description and proceed with foreclosure.
[1] Due process requires notice and an opportunity to be heard prior to the sua sponte dismissal of a case.
[2] When a mortgage contains an incorrect legal description that is carried into a final judgment of foreclosure, sale, and deed, the foreclosure process must begin anew.
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Join FLexlaw to unlock all legal intelligence“Due process requires notice and an opportunity to be heard prior to dismissal.”
Establishes the fundamental due process requirement violated by the trial court's action
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Join FLexlaw to unlock all legal intelligenceFannie Mae obtained a final judgment of foreclosure against the homeowner, who had defaulted. Following the foreclosure sale and issuance of a certifi…
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The lower court entered a final judgment of foreclosure in favor of the appellant, Federal National Mortgage Association (“Fannie Mae”), after the homeowner defaulted. Following a foreclosure sale and the issuance of the certificate of title, Fannie Mae discovered a defect in the subject property’s legal description. Fannie Mae then moved to vacate the final judgment, foreclosure sale, and certificate of title because they contained the incorrect legal description.
The lower court granted Fannie Mae’s motion to vacate. However, it also sua sponte dismissed the ease without prior notice and without giving a reason for dismissing. Fannie Mae moved for rehearing, which the lower court summarily denied.
On appeal, Fannie Mae argues the dismissal deprived it of due process because dismissal was entered without notice or an opportunity to be heard. It asserts that the lower court should have vacated the requested orders so that Fannie Mae could reform the mortgage. We agree.
Our review of whether the lower court complied with the requirements of due process is de novo. Flegal v. Guardianship of Swistock, 169 So.3d 278, 281 (Fla. 4th DCA 2015).
Due process requires notice and an opportunity to be heard prior to dismissal. See Liton Lighting v. Platinum Television Grp. Inc., 2 So.Sd 366, 367 (Fla. 4th DCA 2008). Here, neither Fannie Mae nor any other party requested that the court dismiss the case. Additionally, the lower court did not" provide Fannie Mae notice of its intent to dismiss or allow for an opportunity' to be .heard prior to dismissal. Fannie Mae was therefore denied due process.
*343We next consider whether the correction of a legal description,, requires dismissal. We begin.with the following statement of law:
When a mortgage contains an incorrect legal description, a court may correct the mistake before foreclosure. If, however, the mistaken legal description is not corrected before final judgment, of ■ foreclosure, and the mistake is carried into the advertisement for sale and the foreclosure deed, a court cannot reform the mistake in the deed and judgment; rather, the foreclosure process must begin anew.
Epstein v. Bank of Am., 162 So.3d 159, 162 (Fla. 4th DCA 2015) (quoting Lucas v. Barnett Bank of Lee Cnty., 705 So.2d 115, 116 (Fla. 2d DCA 1998)).
The court in Wells Fargo Bank, N.A. v. Giesel, 155 So.3d 411 (Fla. 1st DCA 2014), addressed the question of whether beginning anew requires dismissal and the filing of a new complaint. In Giesel, much like this case, a bank discovered it had used an incorrect legal description when it foreclosed on a property. The bank moved.to vacate the final judgment, judicial sale, and certificates of sale and title. The trial court granted the motion to vacate and then sua sponte dismissed the case without due process. On appeal, the court reversed.
The Giesel court discussed how parties must be returned to their “‘original status’ ” “because the sale was premised upon the erroneous legal description and other potential bidders may have .acted in reliance on that description.” Id. at 413 (quoting Lucas, 705 So.2d at 116). However, returning parties to their “original status” does not require dismissal of the entire case because the plaintiff can simply amend the complaint to correct the erroneous legal description. Id. at 414. See also Lucas, 705 So.2d at 116 (“[T]he mortgage may be reformed if a sufficient showing is made, and the reformed mortgage may be foreclosed. But first, the-deed to the property must be canceled, and the original foreclosure judgment set aside,- such that the parties, are returned to their original status.”).
We agree with the analysis in Gies-el. Therefore, in the present case, because the attempted reformation followed the final judgement and judicial sale, the trial court could not simply reform the judgment and deed. Rather, reformation required vacating the final judgment, judicial sale, and issuance of title, which is exactly what Fannie Mae requested. Because dismissal of the entire action was unwarranted, the lower cohrt erred.
We reverse that portion of the trial court’s order dismissing the case and’ remand for further proceedings consistent with this opinion.
Reversed and remanded.
GROSS and CONNER, JJ., concur.
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Nationstar Mortg., LLC v. Ronald and Susan Weiler, 227 So. 3d 181 (Fla. 2d DCA 2017)…procedural due process rights. III. DISCUSSION Our review of whether a trial court complied with the requirements of due process is de novo. Crescenzo v. Marshall, 199 So. 3d 353, 355 (Fla. 2d DCA 2016) (citing Fed. Nat’l Mortg. Ass’n v. Sanchez, 187 So. 3d 341, 342 (Fla. 4th DCA 2016)); see also Skelton v. Lyons, 157 So. 3d 471, 472 (Fla. 2d DCA 2015) (citing VMD Fin. Servs., Inc. v. CB Loan Purchase Assocs., LLC, 68 So. 3d 997, 999 (Fla. 4th DCA 2011)). A trial court “provides due process if the complain…
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Crescenzo v. Marshall, 199 So. 3d 353 (Fla. 2d DCA 2016)…On appeal, Mr. Crescenzo first argues that the court violated his due process rights by sua sponte dismissing his complaint. We review de novo whether the lower court complied with the requirements of due process. Fed. Nat’l Mortg. Ass’n v. Sanchez, 187 So. 3d 341, 342 (Fla. 4th DCA 2016). “Due process requires notice and an opportunity to be heard pri- or to dismissal.” Id. And a court’s failure to provide “notice of its intent to dismiss [*356] or allow for an opportunity to be heard prior to dismissal” vio…
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Mote Wellness & Rehab, Inc. v. State Farm Mut. Auto. Ins. Co., 331 So. 3d 191 (Fla. 4th DCA 2021)…. 3d 661, 662 (Fla. 3d DCA 2020) (trial court erred where it dismissed case for failure to prosecute without first providing plaintiff with notice of record inactivity or the opportunity to be heard); see also Fed. Nat’l Mortg. Ass’n v. Sanchez, 187 So. 3d 341, 342 (Fla. 4th DCA 2016) (“Due process requires notice and an opportunity to be heard prior to dismissal.”); Crescenzo v. Marshall, 199 So. 3d 353, 355–56 (Fla. 2d DCA 2016) (“[A] court’s failure to provide notice of its intent to dismiss or allo…
Previewing 3 of 17 citing cases — full citator treatment, depth of discussion, and citing context are member features.
Join FLexlaw to unlock all legal intelligenceAuthorities Cited
- Chandler M. Lucas and Shirley K. Lucas v. Barnett Bank OF LEE Cnty., 705 So. 2d 115 (Fla. 2d DCA 1998)
- Epstein v. Bank OF Am., 162 So. 3d 159 (Fla. 4th DCA 2015)
- Flegal v. Guardianship OF Peter R. Swistock, Sr., 169 So. 3d 278 (Fla. 4th DCA 2015)
- Wells Fargo Bank, N.A. v. Giesel, 155 So. 3d 411 (Fla. 1st DCA 2014)