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Mortgages

The following summaries are of recent published decisions of the California appellate courts, the Ninth Circuit, and the United States Supreme Court. The summaries are presented without regard to whether Severson & Werson represented a party in the case.

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Ho v. ReconTrust Co.

Enforcement of a security interest is not collection of a debt under the Fair Debt Collection Practices Act, so a deed of trust trustee does not act as a debt collector, subject to that Act, in taking steps to nonjudicially foreclose the deed of trust.  Read More

Sese v. Wells Fargo Bank, N.A.

An order denying an interim award of attorney’s fees under the Homeowner’s Bill of Rights after the borrower/plaintiff was successful in obtaining issuance of a preliminary injunction to prevent foreclosure, is interlocutory and therefore non-appealable.  Read More

Bourne Valley Court Trust v. Wells Fargo Bank, N.A.

Now-defunct Nevada statute violated due process by granting homeowners’ associations priority over mortgage lenders and other senior lienholders and allowing them foreclose liens for unpaid dues without requiring notice to a senior lienholder unless it affirmatively requested notice.  Read More

Yhudai v. Impac Funding Corp.

A borrower lacks standing to sue alleging his loan was transferred to a securitized trust after its closing date because a late transfer is voidable, not void.  Read More

US Bank, N.A. v. Naifeh

When a home loan borrower defends a lender’s suit, based on a demand for rescission under the Truth in Lending Act, the lender’s lien is not automatically invalidated; instead, the court must decide whether correct TILA disclosures were given and whether the borrower should be required to tender back the borrowed sums before the lien is invalidated.  Read More

Aghaji v. Bank of America, N.A.

Leave to amend to state a UCL claim was properly denied in a mass action by defaulted home loan borrowers as the proposed amendment showed plaintiffs were improperly joined but alleged no facts to support the conclusion they were overcharged.  Read More

Sciarratta v. U.S. Bank, National Association

A borrower who alleges defects in the transfer of her mortgage loan which render it void, can sufficiently establish the prejudice element of her wrongful foreclosure claim simply by alleging that the foreclosure was carried out by a party having no right to do so.  Read More

Brown v. Deutsche Bank National Trust Co.

Borrower’s pre-foreclosure securitization suit was properly dismissed because judicially noticeable documents show that the challenged loan transfer was valid, not void as the borrower alleged.  Read More

Daniels v. Select Portfolio Servicing, Inc.

A loan servicer, and its principal, the loan’s owner, can be held liable to a borrower for negligence  in handling the borrower's loan modification application; however, the borrower has no breach of contract claim for the loan servicer’s failure to offer a permanent loan modification after performance of a non-HAMP trial period plan.  Read More

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