U.S. BANK TRUST, N.A., ETC., APPELLANT,
v.
REGINALD L. WELLMAN, ETC., APPELLEE

Fla. 3d DCA | 2017-04-12
No. 3D15-1368
Before ROTHENBERG, EMAS and FERNANDEZ, JJ.
215 So. 3d 1280 Florida District Court of Appeal, Third District (2017)

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Holding

The notice of default and intent to accelerate substantially complied with the mortgage agreement's paragraph 22.


Facts & Procedural History

The lender filed a foreclosure complaint, but the trial court involuntarily dismissed it, finding the notice of default and intent to accelerate did n…

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Opinion of the Court
EMAS, J.

EMAS, J.

U.S. Bank Trust, N.A. appeals from a final judgment involuntarily dismissing its foreclosure complaint, upon the trial court’s determination that the lender failed to comply with conditions precedent prior to filing its foreclosure lawsuit. Specifically, the trial court determined that the lender’s1 notice of default and intent to accelerate failed to comply with paragraph 22 of the mortgage agreement. Upon our de novo review, Nationstar Mortgage, LLC v. Craig, 193 So.3d 74 (Fla. 3d DCA 2016), we find that the notice substantially complied with paragraph 22 of the mortgage.

The relevant facts of the instant case are indistinguishable from those in our recent decisions in Craig, 193 So.3d at 77; Bank of New York v. Mieses, 187 So.3d 919 (Fla. 3d DCA 2016); Bank of America v. Cadet, 183 So.3d 477 (Fla. 3d DCA 2016); Suntrust Mortgage, Inc. v. Garcia, 186 So.3d 1036 (Fla. 3d DCA 2016); and Bank of New York Mellon v. Nunez, 180 So.3d 160 (Fla. 3d DCA 2015). In those cases we held (as we hold in the instant case) that the notice of default substantially complied with the default notice provision contained in paragraph 22 of the mortgage. We therefore reverse and remand for further proceedings consistent with this opinion.

Reversed and remanded.


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