Tentative Ruling: In September 2008, Plaintiff Felicia Anaro purchased a home in Manteca, borrowing $275,572.00 from Mason-McDuffie Mortgage Corporation, pursuant to a 30 year note at 6.375 percent annual interest, secured against the property. First Amended Complaint, Exhs. D (Deed of Trust), E (Note), also RJN 2 (Deed of Trust).
Plaintiff initially defaulted on her payments under the loan in approximately 2009 and nonjudicial foreclosure proceedings were commenced. In April 2010, Mason-McDuffie assigned its interest in Plaintiff’s Deed of Trust and Note to U.S. Bank (recording requested by National Default Servicing Corporation). US Bank/MERS RJN in support of Demurrer to First Amended Complaint (“RJN”) Exh. 3. Between 2010 and 2017 Plaintiff negotiated three modifications of her loan with U.S. Bank. RJN 7, 9, 10. After the third loan modification, plaintiff again defaulted, and nonjudicial foreclosure proceedings re-commenced. The property sold at Trustee’s Sale to a non-party to
Hearing Date
July 08, 2020
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Tentative Ruling: In September 2008, Plaintiff Felicia Anaro purchased a home in Manteca, borrowing $275,572.00 from Mason-McDuffie Mortgage Corporation, pursuant to a 30 year note at 6.375 percent annual interest, secured against the property. First Amended Complaint, Exhs. D (Deed of Trust), E (Note), also RJN 2 (Deed of Trust).
Plaintiff initially defaulted on her payments under the loan in approximately 2009 and nonjudicial foreclosure proceedings were commenced. In April 2010, Mason-McDuffie assigned its interest in Plaintiff’s Deed of Trust and Note to U.S. Bank (recording requested by National Default Servicing Corporation). US Bank/MERS RJN in support of Demurrer to First Amended Complaint (“RJN”) Exh. 3. Between 2010 and 2017 Plaintiff negotiated three modifications of her loan with U.S. Bank. RJN 7, 9, 10. After the third loan modification, plaintiff again defaulted, and nonjudicial foreclosure proceedings re-commenced. The property sold at Trustee’s Sale to a non-party to