AFFIRMED; Opinion Filed April 7, 2020
In The Court of Appeals Fifth District of Texas at Dallas No. 05-19-00298-CV
ANTONIO CABALLERO, Appellant V. RUSHMORE LOAN MANAGEMENT SERVICES LLC AND WILMINGTON SAVINGS FUND SOCIETY, FSB, D/B/A CHRISTIANA TRUST, AS TRUSTEE FOR NORMANDY MORTGAGE LOAN TRUST SERIES 2015-1, Appellees
On Appeal from the 14th Judicial District Court Dallas County, Texas Trial Court Cause No. DC-17-07665
MEMORANDUM OPINION Before Justices Myers, Whitehill, and Pedersen, III Opinion by Justice Myers Antonio Caballero appeals the trial court’s judgment granting the motion for
summary judgment of Rushmore Loan Management Services LLC and Wilmington
Savings Fund, FSB, d/b/a Christiana Trust, as trustee for Normandy Mortgage Loan
Trust Series 2015-1 on Caballero’s claims for wrongful foreclosure, breach of the deed of trust, and violation of the Texas Debt Collection Practices Act.1 Caballero
brings two issues on appeal contending the trial court erred by granting appellees’
motion for summary judgment because (1) appellees lacked standing; and (2) there
are outstanding fact issues on at least one element of each of Caballero’s causes of
action. We affirm the trial court’s judgment.
BACKGROUND
In 2006, Caballero borrowed $514,450 from World Savings Bank to purchase
a home. Caballero signed a thirty-year note and a deed of trust. The note provided
for interest at a variable rate of 6.76 to 11.95 percent, but no more than the maximum
amount allowed by law. The mortgage servicer was Carrington Mortgage Services.
In 2007, World Savings Bank changed its name to Wachovia Mortgage, FSB.
In 2009, Caballero fell behind on his payments. Caballero and Wachovia
Mortgage modified the loan agreement, reducing the balance to $430,942.15 and
reducing the interest rate to 6.5 percent. The modification extended the maturity
from 2036 to 2049. Caballero alleged that when he executed the modification, he
gave Wachovia Mortgage a check for $100,000 for principal only. After the
modification, the mortgage servicer became appellee Rushmore Loan Management
Services. Later in 2009, Wachovia Mortgage changed its name to Wells Fargo Bank
1 Caballero also brought claims for usury and to quiet title, but he does not assert on appeal that the trial court erred by granting appellees’ motion for summary judgment as to those claims. Caballero has waived any error from the trial court’s granting appellees’ motion for summary judgment on these claims, and we do not address them. See Ontiveros v. Flores, 218 S.W.3d 70, 71 (Tex. 2007) (per curiam). –2– Southwest, N.A. and then merged into and operated as part of “Wells Fargo Bank,
National Association, Sioux Falls, South Dakota.”
In 2012, “Wells Fargo, N.A.” assigned the deed of trust to U.S. Bank, N.A.
In 2014, Caballero again fell behind on the payments. In 2015, he and
Rushmore modified the loan agreement. By this time, the balance was $648,834.15.
The modification reduced the interest rate to 4.375 percent and required Caballero
to make monthly payments of $3,032.93. Caballero made six payments of $4,300
after the 2015 modification.
In 2016, U.S. Bank assigned the note and deed of trust to appellee Wilmington
Savings Fund as trustee for Normandy Mortgage Loan Trust.
In 2016, Caballero became concerned that his $100,000 payment in 2009 had
not been properly applied to the loan. He asked Rushmore for the loan’s payment
history. Rushmore responded that it had not received a detailed payment history
from Carrington when Rushmore became the loan servicer. Caballero submitted
another request for the payment history, and Rushmore responded that it would
provide the history by June 30, 2017, which was less than a week before the
threatened foreclosure.2
In 2017, Caballero filed this suit to stop foreclosure. Caballero alleged causes
of action for wrongful foreclosure, breach of the deed of trust, violations of the Texas
2 The record does not show whether Rushmore provided the payment history or whether Carrington applied the $100,000 payment to principal. –3– Debt Collection Practices Act, usury, and suit to quiet title. Caballero sought
damages and injunctive relief. The trial court entered a temporary restraining order
barring the foreclosure.
Appellees moved for summary judgment, asserting Caballero had no evidence
to support one or more elements of his causes of action. The trial court granted
appellees’ motion for summary judgment.
STANDING
In his first issue, Caballero contends the trial court erred by granting
appellees’ motion for summary judgment because appellees’ lacked standing.
Caballero asserts that Normandy assigned its interest in the deed of trust to Aero
Mortgage Loan Trust 2017-1 a week before appellees moved for summary judgment.
Caballero argues that because Normandy did not have any interest in the deed of
trust when appellees moved for summary judgment, the case was moot.
“A case is moot when either no ‘live’ controversy exists between the parties,
or the parties have no legally cognizable interest in the outcome. ‘Put simply, a case
is moot when the court’s action on the merits cannot affect the parties’ rights or
interests.’” Hays St. Bridge Restoration Group v. City of San Antonio, 570 S.W.3d
697, 702–03 (Tex. 2019) (quoting City of Krum v. Rice, 543 S.W.3d 747, 749 (Tex.
2017) (per curiam)). “If a case becomes moot, the court must vacate all previously
issued orders and judgments and dismiss the case for want of jurisdiction.”
Glassdoor, Inc. v. Andra Group, LP, 575 S.W.3d 523, 527 (Tex. 2019). Caballero
–4– has not moved for dismissal of the case. Instead, he prays for reversal of the
summary judgment and remand of his claims for trial.
This case is not moot. Caballero’s cause of action for wrongful foreclosure
alleges that appellees do not have an interest in the note or deed of trust because (1)
World Savings Bank did not transfer the loan to Wells Fargo, (2) any transfer by
World Savings Bank was not for full value, and (3) the subsequent transfers of the
note and deed of trust did not grant appellees the right to foreclose the loan. The
cause of action for breach of the deed of trust alleges that Rushmore could not enter
into the 2015 modification as the lender. Caballero’s request for injunctive relief
was based on the pending foreclosure of the property. Caballero does not explain
why these claims are no longer “live” following Normandy’s assignment of the deed
of trust to Aero.
Moreover, it is the plaintiff that must establish standing to bring a lawsuit.
Pratho v. Zapata, 157 S.W.3d 832, 845 (Tex. App.—Fort Worth 2005, no pet.).
Appellees are the defendants. Caballero cites no authority that a defendant who does
not seek any relief other than an end to the lawsuit and recovery of its costs has any
burden to establish standing. We overrule Caballero’s first issue.
SUMMARY JUDGMENT
In his second issue, Caballero contends the trial court erred by granting
–5– Standard of Review
Rule 166a(i) provides that a party “may move for summary judgment on the
ground that there is no evidence of one or more essential elements of a claim or
defense on which an adverse party would have the burden of proof at trial.” We
review a no-evidence summary judgment under the same legal sufficiency standard
used to review a directed verdict. See TEX. R. CIV. P. 166a(i); Flood v. Katz, 294
S.W.3d 756, 762 (Tex. App.—Dallas 2009, pet. denied). Thus, we must determine
whether the nonmovant produced more than a scintilla of probative evidence to raise
a fact issue on the material questions presented. See Flood, 294 S.W.3d at 762.
When analyzing a no-evidence summary judgment, “we examine the entire record
in the light most favorable to the nonmovant, indulging every reasonable inference
and resolving any doubts against the motion.” Sudan v. Sudan, 199 S.W.3d 291,
292 (Tex. 2006) (quoting City of Keller v. Wilson, 168 S.W.3d 802, 823 (Tex.
2005)). A no-evidence summary judgment is improperly granted if the nonmovant
presented more than a scintilla of probative evidence to raise a genuine issue of
material fact. King Ranch, Inc. v. Chapman, 118 S.W.3d 742, 751 (Tex. 2003).
“More than a scintilla of evidence exists when the evidence rises to a level that would
enable reasonable, fair-minded persons to differ in their conclusions.” Id. (quoting
Merrell Dow Pharms., Inc. v. Havner, 953 S.W.2d 706, 711 (Tex. 1997)). “Less
than a scintilla of evidence exists when the evidence is ‘so weak as to do no more
–6– than create a mere surmise or suspicion’ of a fact.” Id. (quoting Kindred v.
Con/Chem, Inc., 650 S.W.2d 61, 63 (Tex. 1983)).
In deciding whether a disputed material fact issue exists precluding summary
judgment, evidence favorable to the nonmovant will be taken as true. In re Estate
of Berry, 280 S.W.3d 478, 480 (Tex. App.—Dallas 2009, no pet.). Every reasonable
inference must be indulged in favor of the nonmovant and any doubts resolved in its
favor. City of Keller v. Wilson, 168 S.W.3d 802, 824 (Tex. 2005). We review a
summary judgment de novo to determine whether a party’s right to prevail is
established as a matter of law. Dickey v. Club Corp. of Am., 12 S.W.3d 172, 175
(Tex. App.—Dallas 2000, pet. denied).
Wrongful Foreclosure
The elements of wrongful foreclosure are: (1) a defect in the foreclosure sale
proceedings; (2) a grossly inadequate selling price; and (3) a causal connection
between the defect and the grossly inadequate selling price. Villanova v. Fed.
Deposit Ins. Corp., 511 S.W.3d 88, 101 (Tex. App.—El Paso 2014, no pet.).
Appellees moved for summary judgment on the ground that Caballero had no
evidence of any of these elements because there has not been a foreclosure. We
agree with appellees. “Texas law is clear that there is no cause of action in Texas
for attempted wrongful foreclosure.” Ebrahimi v. Caliber Home Loans, Inc., 05-18-
00456-CV, 2019 WL 1615356, at *4 (Tex. App.—Dallas Apr. 15, 2019, pet.
denied); see EverBank, N.A. v. Seedergy Ventures, Inc., 499 S.W.3d 534, 544 (Tex. –7– App.—Houston [14th Dist.] 2016, no pet.). A claim for wrongful foreclosure before
a foreclosure sale occurs fails as a matter of law. Ebrahimi, 2019 WL 1615356, at
*4.
Caballero argues that Texas does recognize a cause of action for attempted
wrongful foreclosure, citing McCaig v. Wells Fargo Bank (Texas), N.A., 788 F.3d
463, 471 (5th Cir. 2015). In that case, Wells Fargo repeatedly, and wrongly,
threatened to foreclose on the McCaigs’ house for violating a forbearance
agreement. The McCaigs sued Wells Fargo for breach of the forbearance agreement
and violations of the Texas Debt Collection Act.3 Id. at 471. The McCaigs prevailed
in the trial court, and a majority of the Fifth Circuit mostly affirmed. Id. at 471–72,
486. The dissenting judge characterized the majority’s decision as creating a cause
of action for attempted wrongful disclosure. Id. at 486 (Jones, J., dissenting)
(“Another way to look at this result is that in Texas, there has been no cause of action
for ‘attempted wrongful foreclosure.’ Until today.” (citations omitted)). Wells
Fargo also characterized its conduct as “attempted wrongful foreclosure.” Id. at 478
n.6. The McCaigs did not bring a claim for attempted wrongful foreclosure, and
neither the Fifth Circuit nor any court in Texas has created one. As this Court
recently observed, “there is no cause of action in Texas for attempted wrongful
3 The “Texas Debt Collection Act” and the “Texas Debt Collection Practices Act” are different names for the same legislation: Chapter 392 of the Texas Finance Code. –8– foreclosure.” Ebrahimi, 2019 WL 1615356, at *4. Because there was no foreclosure
sale, Caballero’s claim for wrongful foreclosure fails as a matter of law. Id.
We conclude the trial court did not err by granting appellees’ motion for
summary judgment on Caballero’s claim for wrongful foreclosure.
Breach of Deed of Trust
Caballero pleaded that the 2015 modification constituted a breach of the deed
of trust because the evidence did not show Rushmore had authority to agree to a
modification of the note or deed of trust. Caballero alleged Rushmore lacked
authority because it was the mortgage servicer and not the lender and because
Caballero alleges these facts breached paragraph 23 of the deed of trust, which
provided that the deed of trust “may be modified or amended only by an agreement
in writing signed by Borrower and Lender.”
Caballero’s claim for breach of the deed of trust is one for breach of contract.
The elements for breach of contract are (1) the existence of a valid contract, (2) the
plaintiff’s performance or tendered performance, (3) the defendant’s breach of the
contract, and (4) damages as a result of the breach. Paragon Gen. Contractors, Inc.
v. Larco Constr., Inc., 227 S.W.3d 876, 882 (Tex. App.—Dallas 2007, no pet.).
Appellees moved for summary judgment on the ground that Caballero had no
evidence he performed or tendered performance, that appellees breached the deed of
trust, or that Caballero suffered damages as a result of the breach.
–9– The deed of trust defined “Lender” as meaning “World Savings Bank, FSB,
its successors and/or assignees.” (Capitalization omitted.) Therefore, Caballero had
the burden of presenting some evidence that Rushmore was not a successor or
assignee of World Savings Bank. The only evidence Caballero presented was his
declaration. In it, he does not provide evidence that Rushmore was not the successor
or assignee of World Savings Bank. The record shows that Rushmore became the
loan servicer after Carrington, but nothing shows it did not have authority to enter
into the 2015 modification. Accordingly, Caballero has not presented any evidence
that appellees breached the deed of trust.
Caballero also failed to present any evidence of how the modification of the
loan agreement damaged him. The 2015 modification reduced the interest rate from
6.5 percent to 4.375 percent on a balance of $648,834.15.
Caballero argued in his response to the motion for summary judgment and he
argues on appeal that appellees breached the deed of trust by violating sections
51.002 and 51.0025 of the Property Code by wrongfully accelerating the note,
issuing notices of trustee’s sale, and failing to give Caballero statutorily required
notices. Caballero did not plead any of these violations. See TEX. PROP. CODE ANN.
§§ 51.002, .0025. A party is not required to move for summary judgment on claims
that were not pleaded. Clark v. Dillard’s, Inc., 460 S.W.3d 714, 729 (Tex. App.—
Dallas 2015, no pet.). Therefore, appellees did not have to move for summary
judgment on these asserted violations of the Property Code. –10– We conclude the trial court did not err by granting appellees’ motion for
summary judgment on Caballero’s claim for breach of the deed of trust.
Texas Debt Collection Practices Act
Caballero alleged appellees violated the Texas Debt Collection Practices Act.
See TEX. FIN. CODE ANN. §§ 392.001–.404. Specifically, Caballero alleges appellees
violated sections 392.301(a)(8), 392.303(a)(2), and 392.304(a)(8) and (19).
Caballero alleged that “[t]he acts, omissions, and conduct of Defendant [sic], as
alleged above” violated these provisions. Those alleged acts, omissions, and
conduct consist of World Bank’s alleged failure to transfer the loan to Wells Fargo,
the allegedly invalid subsequent assignments of the note and deed of trust, the
modification agreements, the charging of usurious interest, and the pending
foreclosure.
Section 392.301(a)(8) provides that “a debt collector may not use threats,
coercion, or attempts to coerce that employ any of the following practices: . . . (8)
threatening to take an action prohibited by law.” Appellees moved for summary
judgment on the ground that Caballero had no evidence to support any of these
elements, including that they threatened to take an action prohibited by law. Neither
Caballero’s declaration nor the other summary judgment evidence shows that
appellees threatened to take an action prohibited by law. To the extent Caballero
may argue that the threatened foreclosure was a threat to take an action prohibited
–11– by law, none of the documents related to the allegedly pending foreclosure are in the
record, so the record contains no evidence of threats prohibited by law.
Section 392.303(a)(2) provides, “a debt collector may not use unfair or
unconscionable means that employ the following practices: . . . (2) collecting or
attempting to collect interest or a charge, fee, or expense incidental to the obligation
unless the interest or incidental charge, fee, or expense is expressly authorized by
the agreement creating the obligation or legally chargeable to the consumer.”
Appellees moved for summary judgment on the ground that Caballero had no
evidence of these elements. Neither Caballero’s declaration nor any of the other
summary judgment evidence shows that appellees violated this provision.
Section 392.304(a)(8) prohibits a debt collector from using “a fraudulent,
deceptive, or misleading representation that employs the following practices: . . .
(8) misrepresenting the character, extent, or amount of a consumer debt, or
misrepresenting the consumer debt’s status in a judicial or governmental
proceeding.” Appellees moved for summary judgment on the ground that Caballero
had no evidence of any of these elements. Neither Caballero’s declaration nor any
of the other summary judgment evidence shows that appellees violated this
provision. No evidence shows that any representation of Caballero’s debt was false.
Section 392.304(a)(19) prohibits a debt collector from using “a fraudulent,
deceptive, or misleading representation that employs the following practices: . . .
(19) using any other false representation or deceptive means to collect a debt or –12– obtain information concerning a consumer.” Appellees moved for summary
judgment on the ground that Caballero had no evidence of any of these elements.
Neither Caballero’s declaration nor any of the other summary judgment evidence
shows that appellees violated this provision. No evidence shows appellees made a
false representation or used a deceptive means to collect on the loan or obtain
information.
Caballero argues that appellees violated these provisions because appellees
lacked authority to take any of the actions they took in this case. However, he
presented no evidence that appellees lacked authority. Caballero also complains that
the notice of acceleration and sale, the notices of default and opportunity to cure,
and the notices of trustee’s sale were given improperly, did not comply with statutory
requirements, and constituted inherently false and deceptive means of collecting the
loan. Those documents are not in the record, and the record contains no evidence of
any of those documents, whether they failed to meet the requirements for those
documents, or whether they were false or deceptive.
Caballero also argues that appellees violated these provisions by attempting
to accelerate the note and foreclose the lien when they had not properly posted
Caballero’s payments on the loan. Caballero stated in his declaration that he was
“concerned” that his $100,000 payment had not been properly applied to the loan,
but he did not testify or present evidence that it, in fact, was not properly applied to
–13– the loan. No evidence shows that appellees had not properly posted Caballero’s
payments on the loan.
He also complains that appellees violated these provisions by not properly
responding to him in the servicing of the loan. He testified that Rushmore failed to
provide him a payment history of the loan from the period when Carrington was
servicing the loan. He testified that Rushmore said Carrington had not provided it
with a detailed payment history. No evidence shows that Rushmore’s statements
were not true. These facts, standing alone, are not evidence of threatening, coercive,
unfair, unconscionable, fraudulent, deceptive, or misleading conduct by appellees.
Therefore, they are not evidence appellees violated these provisions of the Texas
Debt Collection Practices Act.
Caballero argued in his response to the motion for summary judgment and he
argues on appeal that U.S. Bank and Wilmington violated section 392.101(a) of the
Finance Code by being third-party debt collectors without being bonded. See FIN. §
392.101(a). Even if U.S. Bank and Wilmington were required to be bonded,
Caballero presented no evidence that they were not bonded. Moreover, Caballero
did not allege this claim in his petition, and appellees were not required to move for
summary judgment on a claim that he did not plead. Clark, 460 S.W.3d at 729.
We conclude the trial court did not err by granting appellees’ motion for
summary judgment on Caballero’s claim for violations of the Texas Debt Collection
Practices Act. –14– Estates Code
Caballero also argued in his response to the motion for summary judgment
and on appeal that provisions of the Estates Code barred the summary judgment in
this case. Caballero asserts that U.S. Bank and Wilmington are foreign business
entities and that the Estates Code requires foreign entities acting in a fiduciary
capacity in this state to register with the Texas Secretary of State. See TEX. ESTATES
CODE § 505.004. Even if U.S. Bank and Wilmington were required to register with
the Secretary of State, no evidence shows they have not done so.
Caballero asks this Court “to take judicial notice of the absence of the
referenced proper registration of [U.S. Bank] and Wilmington with the Texas
Secretary of State.” Caballero made the same request of the trial court, but he did
not provide the trial court with any information showing U.S. Bank and Wilmington
had not registered. See TEX. R. EVID. 201(c)(2) (trial court “must take judicial notice
if a party requests it and the court is supplied with the necessary information”).
We decline to take judicial notice of the absence of filings in the Secretary of
State’s office.4 “The Court of Appeals is not a trier of fact. ‘For us to consider
evidence for the first time, never presented to the trial court, would effectively
4 Appellate courts may take judicial notice of documents outside the appellate record to determine their jurisdiction or to resolve matters ancillary to decisions that are mandated by law, such as calculation of prejudgment interest when the appellate court renders judgment. See Freedom Commc’ns, Inc. v. Coronado, 372 S.W.3d 621, 623–24 (Tex. 2012); SEI Bus. Sys., Inc. v. Bank One Tex., N.A., 803 S.W.2d 838, 841 (Tex. App.—Dallas 1991, no pet.). Whether Wilmington or U.S. Bank registered with the Secretary of State is not one of those situations. –15– convert this Court into a court of original, not appellate jurisdiction.’” SEI Bus. Sys.,
Inc. v. Bank One Tex., N.A., 803 S.W.2d 838, 841 (Tex. App.—Dallas 1991, no pet.)
(quoting Deerfield Land Joint Venture v. S. Union Realty Co., 758 S.W.2d 608, 610
(Tex. App.—Dallas 1988, no writ)).
Address All Claims
Caballero also argues the trial court erred by granting appellees’ motion for
summary judgment because it “did not address Caballero’s factual statements and
argument in Caballero’s Original Petition paragraphs 4 or 8 through 18.” Paragraph
4 alleges that Wilmington “is a foreign fiduciary that does not maintain a registered
agent, as required under the Texas Estates Code.” Paragraphs 8 through 14 allege
the reasons why Caballero believes World Savings Bank never transferred the loan,
which he asserts involved a 1031-exchange with a mortgage collateralization
scheme. Paragraphs 15, 16, and 17 describe the modifications of the loan agreement.
Paragraph 18 describes Caballero’s concern about whether his $100,000 payment
was properly applied to the loan and his attempts in 2016 to obtain the payment
history. Caballero asserts that he did not have the burden of proof on these matters.
Under rule 166a(i), appellees’ only burden was to specify the elements of
Caballero’s causes of action on which Caballero had the burden of proof that lacked
evidentiary support. See TEX. R. CIV. P. 166a(i). Appellees did this for each of
Caballero’s causes of action. Caballero then had the burden to produce some
evidence supporting those elements. Id. Caballero asserts in his brief that he did –16– not have the burden of proof under Rule 166a, but he does not explain why he did
not have the burden of producing some evidence as required by Rule 166a(i).
Caballero has not shown that appellees had to address the facts alleged in paragraphs
4 or 8 through 18 of his petition to be entitled to summary judgment.
Lack of Authentication of Appellees’ Exhibits
Caballero also argues the trial court erred by granting appellees’ motion for
summary judgment because appellees’ exhibits containing the note and the 2009
modification were not authenticated. Although Caballero objected in the trial court
that these exhibits lacked authentication, the trial court made no ruling on his
objections. A complete absence of authenticating evidence is a defect in substance
that may be raised for the first time on appeal. Blanche v. First Nationwide Mortg.
Corp., 74 S.W.3d 444, 451 (Tex. App.—Dallas 2002, no pet.). However, a
complaint that evidence was not properly authenticated is a defect of form that must
be objected to and ruled on in the trial court. Seim v. Allstate Tex. Lloyds, 551
S.W.3d 161, 164 (Tex. 2018).
Even if any error were preserved and existed, we could not reverse unless the
error probably caused the rendition of an improper judgment. TEX. R. APP. P.
44.1(a)(1). If the record were reviewed without considering these exhibits, there
would still be no evidence in support of Caballero’s claims. See Seim, 551 S.W.3d
at 166. Therefore, the trial court’s consideration of appellees’ exhibits did not
–17– probably cause the rendition of an improper judgment, and any error is not
reversible.
Caballero’s Marital Status
Caballero argued in his response to the motion for summary judgment and he
argues on appeal that the trial court erred by granting appellees’ motion for summary
judgment because he was married and his spouse was not a party to the
modifications. Caballero asserts that without the joinder of his spouse, the
modifications violated article 16, section 50(c) of the Texas Constitution “and [were]
thus constitutionally deficient to perfect a lien on the Property.” See TEX. CONST.
art. XVI, § 50(c).
Caballero did not allege the violation of article 16, section 50(c) in his petition,
nor did he allege that he was married. Appellees were not required to move for
summary judgment on claims that Caballero did not plead. Clark, 460 S.W.3d at
729.
We conclude the trial court did not err by granting appellees’ motion for
summary judgment. We overrule Caballero’s second issue.
–18– CONCLUSION
We affirm the trial court’s judgment.
/Lana Myers/ LANA MYERS JUSTICE
190298F.P05
–19– Court of Appeals Fifth District of Texas at Dallas JUDGMENT
ANTONIO CABALLERO, On Appeal from the 14th Judicial Appellant District Court, Dallas County, Texas Trial Court Cause No. DC-17-07665. No. 05-19-00298-CV V. Opinion delivered by Justice Myers. Justices Whitehill and Pedersen, III RUSHMORE LOAN participating. MANAGEMENT SERVICES LLC AND WILMINGTON SAVINGS FUND, FSB, D/B/A CHRISTIANA TRUST, AS TRUSTEE FOR NORMANDY MORTGAGE LOAN TRUST SERIES 2015-1, Appellees
In accordance with this Court’s opinion of this date, the judgment of the trial court is AFFIRMED.
It is ORDERED that appellees Rushmore Loan Management Services LLC and Wilmington Savings Fund, FSB, d/b/a Christiana Trust, as trustee for Normandy Mortgage Loan Trust Series 2015-1 recover their costs of this appeal from appellant Antonio Caballero.
Judgment entered this 7th day of April, 2020.
–20–