florida foreclosures

Yogendra and Bharti Dhanik appeal a final judgment of foreclosure. The Dhaniks argue, and HSBC Bank USA concedes, that the bank failed to present sufficient trial evidence of standing at the time it filed the complaint.

“This court reviews the sufficiency of the evidence to prove standing to bring a foreclosure action de novo.” Lamb v. Nationstar Mortg., LLC, 174 So. 3d 1039, 1040 (Fla. 4th DCA 2015).

“A plaintiff alleging standing as a holder must prove it is a holder of the note and mortgage both as of the time of trial and also that the (original) plaintiff had standing as of the time the foreclosure complaint was filed.” Russell v. Aurora Loan Servs., LLC, 163 So. 3d 639, 642 (Fla. 2d DCA 2015) (quoting Keifert v. Nationstar Mortg., LLC, 153 So. 3d 351, 352 (Fla. 1st DCA 2014)). “If the plaintiff is not the payee of the original note, the plaintiff must also prove that the original note contains an [e]ndorsement in favor of the plaintiff (special [e]ndorsement) or an [e]ndorsement in blank.” Id. To establish standing, the endorsement “must have been made prior to the filing of the lawsuit.” Id.

Although the bank attached a copy of the mortgage and note to the complaint, those copies lacked any endorsement to the bank or a blank endorsement. The note introduced at trial contained a blank endorsement. However, the bank offered no evidence as to when the blank endorsement was placed on the note. Thus, there was no evidence before the trial court that the bank had standing at the time the foreclosure complaint was filed. “The bank’s failure to prove a prima facie case warrants dismissal.” May v. PHH Mortg. Corp., 150 So. 3d 247, 249 (Fla. 2d DCA 2014).
As in Russell and May, we reverse and remand for the trial court to enter an order of involuntary dismissal based on the bank’s lack of standing at the time it filed the complaint.
Reversed and remanded with instructions.



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