BANK OF NEW YORK MELLON F/K/A BANK OF NEW YORK SUCCESSOR TRUSTEE TO JP MORGAN CHASE BANK, N.A., AS TRUSTEE FOR THE BEAR STEARNS ARM TRUST, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2003-7, APPELLANT,
v.
WILLIAM M. THOMPSON, SHERI THOMPSON, RESERVE AT TUSCAWILLA COMMUNITY ASSOCIATION, INC., JUPITER HOUSE, LLC, E*TRADE BANK, APPELLEES
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The court held that the lower court erred in involuntarily dismissing the foreclosure case for failure to establish standing and lien superiority.
Appellant challenged the involuntary dismissal of its foreclosure case. The lower court found Appellant lacked standing and its lien was not superior.…
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Appellant challenges the lower court’s order that involuntarily dismissed its foreclosure case against Appellees. The lower court concluded that Appellant failed to establish its standing to foreclose and the superiority of its lien. We reverse.
Appellant is correct that the lower court erred in its conclusion regarding standing. See Bank of N.Y. Mellon v. Milford, 206 So.3d 137, 137-38 (Fla. 4th DCA 2016) (reversing order involuntarily dismissing foreclosure case for lack of standing where bank filed copy of note indorsed in blank with complaint and offered original note into evidence at trial; this evidence created inference that bank was in possession of note at time it filed complaint and, without evidence to contrary, this was sufficient to establish standing); U.S. Bank Nat’l Ass’n v. Laird, 200 So.3d 176, 177 (Fla. 5th DCA 2016) (bank had standing to foreclosure where it attached to complaint copy of note and copy of allonge, which contained specific indorsement in favor of bank, and it later filed with court original note and allonge in same condition as copies attached to complaint).
We also agree that the lower court ei*red by dismissing the action for the failure of Appellant to allege or prove superiority of its lien. See Black Point Assets, Inc. v. Fed. Nat’l Mortg. Ass’n, 220 So.3d 566 (Fla. 5th DCA 2017); see also Bayview Loan Servicing, LLC v. Luciano Del Lupo, 208 So.3d 97, 97-98 (Fla. 4th DCA 2017) (reversing involuntary dismissal and remanding for new-trial where plaintiff presented prima facie evidence of each element of foreclosure case).
REVERSED AND REMANDED for a new trial.
TORPY, EVANDER and LAMBERT, JJ., concur.
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Bank of Am., N.A. v. Green Emerald Homes, LLC (Fla. 5th DCA 2020)
Authorities Cited
- Black Point Assets, Inc. v. Fed. Nat'l Mortg. Ass'n ("Fannie MAE"), 220 So. 3d 566 (Fla. 5th DCA 2017)
- Bayview Loan Servicing, LLC v. Luciano del Lupo, 208 So. 3d 97 (Fla. 4th DCA 2017)
- US Bank Nat'l Ass'n v. Laird, 200 So. 3d 176 (Fla. 5th DCA 2016)
- The Bank OF NEW York Mellon v. Milford, 206 So. 3d 137 (Fla. 4th DCA 2016)
- Robbins v. Deutsche Bank (Fla. 5th DCA 2018)