Pennymac Corp. v. Godinez.

474 P.3d 264, 148 Haw. 323
Hawaii Supreme Court·Decided October 8, 2020·No. SCWC-18-0000185·Published·Cited by 33 cases

Opinion

*** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER ***

Electronically Filed Supreme Court SCWC-XX-XXXXXXX 08-OCT-2020 07:47 AM

IN THE SUPREME COURT OF THE STATE OF HAWAIʻI

---o0o--- ________________________________________________________________

PENNYMAC CORP., Respondent/Plaintiff-Appellee,

vs.

LEWANNA GODINEZ, Petitioner/Defendant-Appellant. ________________________________________________________________

SCWC-XX-XXXXXXX

CERTIORARI TO THE INTERMEDIATE COURT OF APPEALS (CAAP-XX-XXXXXXX; CIV. NO. 13-1-0741)

OCTOBER 8, 2020

RECKTENWALD, C.J., NAKAYAMA, McKENNA, AND WILSON, JJ., AND CIRCUIT JUDGE BROWNING, ASSIGNED BY REASON OF VACANCY

OPINION OF THE COURT BY RECKTENWALD, C.J.

I. INTRODUCTION

This case requires us to determine whether res

judicata precludes a Hawaiʻi Rules of Civil Procedure (“HRCP”)

Rule 60(b) motion for relief from judgment in a foreclosure

proceeding. We conclude that it does not. *** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER ***

In 2017, the Circuit Court of the Second Circuit found

Lewanna Godinez in default on her mortgage and granted summary

judgment in favor of Respondent/Plaintiff PennyMac Corp.,

issuing a decree of foreclosure and entering final judgment.

Before a foreclosure sale took place, Godinez filed an HRCP Rule

60(b) motion, raising the issue of PennyMac’s standing to bring

a foreclosure action against her. The circuit court denied the

motion, and Godinez appealed. The Intermediate Court of Appeals

(ICA) affirmed the circuit court’s denial, holding that res

judicata barred Godinez’s HRCP Rule 60(b) challenge to standing,

citing to this court’s decision in Mortgage Electronic

Registration Systems v. Wise, 130 Hawaiʻi 11, 17, 304 P.3d 1192,

1198 (2013).

We hold that res judicata did not preclude Godinez’s

post-judgment HRCP Rule 60(b) motion and that Wise is

inapplicable under these circumstances. Nevertheless, we agree

with the ICA that the circuit court did not abuse its discretion

in denying Godinez’s HRCP Rule 60(b) motion. Accordingly, we

affirm the judgment of the ICA.

II. BACKGROUND

A. Factual Background

In December 2007, Godinez executed and delivered to

Washington Mutual Bank, FA, a mortgage encumbering real property

2 *** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER ***

on Maui as security for a promissory note. 1 In September 2008,

the United States Department of the Treasury closed Washington

Mutual Bank, FA, appointing the Federal Deposit Insurance

Corporation (FDIC) as receiver.

In January 2010, Godinez defaulted on the note. The

FDIC then assigned the Mortgage to J.P. Morgan Chase Bank in a

Corporate Assignment of Mortgage.

B. Circuit Court Proceedings

On July 5, 2013, Chase initiated foreclosure

proceedings in the circuit court. 2 While foreclosure proceedings

were pending, in February 2014, Chase assigned its mortgage

interest to PennyMac through a Hawaiʻi Assignment of Mortgage

recorded on April 28, 2014. In May 2015, 3 Chase filed a motion

to substitute PennyMac as the plaintiff and “real party in

interest.” The circuit court granted the motion and amended the

complaint and caption.

In March 2016, PennyMac filed a motion for summary

judgment asking the circuit court to find Godindez in default on

the promissory note and mortgage, and issue a decree of

1 The mortgage was recorded in the State of Hawaiʻi Bureau of Conveyances on December 12, 2007.

2 The Honorable Rhonda I.L. Loo presided.

3 Between April 3, 2014 and February 25, 2015, the case was put on hold for loss mitigation.

3 *** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER ***

foreclosure. In support, PennyMac submitted a declaration

attesting, “[PennyMac] has possession of the promissory note

with standing to prosecute the instant action and the right to

foreclose the subject Mortgage.” Godinez opposed the motion and

argued, inter alia, that “PennyMac admittedly lacked standing at

the time of the filing of the Complaint and therefore this Court

lacks jurisdiction[.]” The circuit court held a hearing on

PennyMac’s motion for summary judgment on June 28, 2016. At the

close of the hearing, the court orally granted the motion.

After the summary judgment hearing but before a

written summary judgment order was filed, this court decided

Bank of America, N.A. v. Reyes-Toledo, 139 Hawaiʻi 361, 390 P.3d

1248 (2017), which held that “a foreclosing plaintiff must

establish entitlement to enforce the note” by showing they had

physical possession of it “at the time the action was

commenced[.]” Id. at 368, 390 P.3d at 1255. Accordingly, on

May 15, 2017, 4 Godinez filed a motion to dismiss for lack of

standing, arguing “[PennyMac] clearly states [it was the] holder

in due course of the note at the time of the verified complaint,

but do[es] not present evidence in any exhibits.” During a

hearing on the motion, Godinez argued the then-recent decisions

4 On July 20, 2016, Godinez filed for bankruptcy, and the foreclosure proceedings were stayed until April 2017 when the bankruptcy proceedings terminated.

4 *** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER ***

in Reyes-Toledo, and U.S. Bank, N.A. v. Mattos, 140 Hawaiʻi 26,

398 P.3d 615 (2017), demonstrated that PennyMac lacked standing.

In response, PennyMac argued that Godinez’s standing

arguments were barred under the law of the case doctrine because

the circuit court had already resolved the issue and orally

granted PennyMac’s motion for summary judgment. Nevertheless,

recognizing that Reyes-Toledo required foreclosing parties to

show they had possession of the note at the time the foreclosure

complaint was filed, PennyMac asked the circuit court for “leave

to supplement the record to support its (or its predecessor’s),

standing to commence this action.”

At the hearing on Godinez’s motion to dismiss for lack

of standing, the circuit court applied the law of the case

doctrine to the issue of standing and orally denied Godinez’s

motion. The circuit court further discussed that in the

interest of justice and judicial efficiency, the recent Reyes-

Toledo decision did not warrant dismissal, and the court allowed

PennyMac an opportunity to supplement the record to support its

standing. Upon receipt of PennyMac’s supplemental Reyes-Toledo

declaration, on November 22, 2017, the circuit court entered

written findings of fact, conclusions of law, and an order

granting PennyMac’s motion for summary judgment. Accordingly,

the circuit court issued the Foreclosure Decree and Judgment,

appointing a Commissioner to oversee the sale.

5 *** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER ***

Godinez did not appeal the order granting summary

judgment or the Foreclosure Decree and Judgment. Instead, on

January 16, 2018, Godinez filed a pro se HRCP Rule 60(b) motion

for relief from the Foreclosure Decree. In the motion, Godinez

alleged, inter alia, that newly discovered evidence rendered the

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Pennymac Corp. v. Godinez., 474 P.3d 264, 148 Haw. 323 (haw 2020).

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