DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR AMERIQUEST MORTGAGE SECURITIES INC., ASSET-BACKED PASSTHROUGH CERTIFICATES, SERIES 2005-R11,


DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
FOURTH DISTRICT
July Term 2012
JOANNE FINNEGAN,
Appellant,
v.
DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR
AMERIQUEST MORTGAGE SECURITIES INC., ASSET-BACKED PASSTHROUGH
CERTIFICATES, SERIES 2005-R11,
Appellee.
No. 4D11-939
[September 5, 2012]
WARNER, J.
Appellant challenges the final summary judgment of foreclosure
entered by the trial court. She claims that her answer and opposition
affidavit raised material issues of fact as to whether the appellee satisfied
the contractual conditions precedent to foreclosure. We agree that
material issues of fact remain and we reverse the summary judgment.
Appellee, Deutsche Bank, filed a complaint alleging that appellant,
Finnegan, had failed to make payments on a promissory note and sought
foreclosure of the mortgage securing the note. In the complaint, it
alleged that all conditions precedent to the acceleration of the mortgage
note and foreclosure had occurred. Finnegan filed an answer specifically
denying that she had received notice of the default in accordance with
the terms of the mortgage. Deutsche Bank then filed a motion for
summary judgment. Its affidavit in support did not mention the
conditions precedent. Finnegan filed an affidavit in opposition again
swearing that she had received no notice of default in accordance with
the mortgage provisions. The bank also filed copies of letters allegedly
sent to Finnegan but these were not sworn. The trial court eventually
entered summary judgment in favor of the bank.
Based upon this record, a material issue of fact remains as to whether
the bank satisfied a condition precedent by giving the proper pre-suit
notice, as required by sections 15, 20, and 22 of the mortgage. Section
20 provides:

Neither Borrower nor Lender may commence . . . any judicial
action . . . until such Borrower or Lender has notified the
other party (with such notice given in compliance with the
requirements of Section 15) of such alleged breach and
afforded the other party hereto a reasonable period after the
giving of such notice to take corrective action. . . . The notice
of acceleration and opportunity to cure given to Borrower
pursuant to Section 22 and the notice of acceleration given
to Borrower pursuant to Section 18 shall b e deemed to
satisfy the notice and opportunity to take corrective action
provisions of this Section 20.
Finnegan alleged in her answer to the complaint and again in her
affidavit in opposition to the motion for summary judgment that she did
not receive notices in compliance with these sections. While the bank
filed copies of letters allegedly sent to her, these were not sworn and
could not be considered on a motion for summary judgment. “Merely
attaching documents which are not ‘sworn to or certified’ to a motion for
summary judgment does not, without more, satisfy the procedural
strictures inherent in Fla.R.Civ.P. 1.510(e).” Bifulco v. State Farm Mut.
Auto. Ins. Co., 693 So. 2d 707, 709 (Fla. 4th DCA 1997). The affidavit
filed by the bank did not address the issue of compliance with the notice
provisions of the mortgage. Therefore, an issue of fact remains as to
whether the bank fulfilled the condition precedent to foreclose the
mortgage.
Because a material issue of fact remains, we reverse the summary
judgment and remand for further proceedings.
STEVENSON and TAYLOR, JJ., concur.
* * *
Appeal from the Circuit Court for the Nineteenth Judicial Circuit, St.
Lucie County; James W. Midelis, Senior Judge; L.T. Case No.
562010CA003710.
John J. Anastasio, Stuart, for appellant.
Heidi J. Weinzetl and Ronald M. Gaché of Shapiro, Fishman & Gaché,
LLP, Boca Raton, for appellee.

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