J-S71032-17


NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P. 65.37

    U.S. ROF III LEGAL TITLE TRUST 2015-          IN THE SUPERIOR COURT
    1, BY U.S. BANK NATIONAL                                OF
    ASSOCIATION, AS LEGAL TITLE                        PENNSYLVANIA
    TRUSTEE,

                             Appellee

                        v.

    SUSAN LAIRD & GENE STRIKWERDA,

                             Appellants              No. 1812 EDA 2016


                      Appeal from the Order April 22, 2016
              in the Court of Common Pleas of Montgomery County
                        Civil Division at No.: 2014-29951


BEFORE: PANELLA, J., STABILE, J., and PLATT, J.*

MEMORANDUM BY PLATT, J.:                         FILED FEBRUARY 16, 2018

        Appellants, Susan Laird and Gene Strikwerda, appeal, pro se, from the

trial court’s April 22, 2016 order granting the motion for summary judgment

of Appellee, U.S. ROF III, Legal Title Trust 2015-1, by U.S. Bank National

Association as legal title trustee in this mortgage foreclosure action.   We

affirm.




____________________________________________


*   Retired Senior Judge assigned to the Superior Court.
J-S71032-17


       In its opinion, the trial court fully and correctly sets forth the relevant

facts and procedural history of this case.1 (See Trial Court Opinion, 4/07/17,

at 1-5). Therefore, we have no reason to restate them.

       On appeal, Appellants raise the following issue for our review:

       Did the trial court err in granting summary judgment in favor of
       [Appellee?]

(Appellants’ Brief, at 6).

       We briefly note our standards of review.

              Our scope of review of an order granting summary judgment
       is plenary. We apply the same standard as the trial court,
       reviewing all the evidence of record to determine whether there
       exists a genuine issue of material fact. We view the record in the
       light most favorable to the non-moving party, and all doubts as to
       the existence of a genuine issue of material fact must be resolved
       against the moving party. Only where there is no genuine issue
       as to any material fact and it is clear that the moving party is
       entitled to a judgment as a matter of law will summary judgment
       be entered.

              Motions for summary judgment necessarily and directly
       implicate the plaintiff’s proof of the elements of his cause of
       action. Thus, a record that supports summary judgment will
       either (1) show the material facts are undisputed or (2) contain
       insufficient evidence of facts to make out a prima facie cause of
       action or defense and, therefore, there is no issue to be submitted
       to the fact-finder. Upon appellate review, we are not bound by
       the trial court’s conclusions of law, but may reach our own
       conclusions. The appellate court may disturb the trial court’s
       order only upon an error of law or an abuse of discretion.


____________________________________________


1 On May 24, 2016, the trial court ordered Appellants to file a concise
statement of errors complained of on appeal. See Pa.R.A.P. 1925(b). On
June 13, 2016, Appellants filed a timely Rule 1925(b) statement. See id. On
April 7, 2017, the court filed an opinion. See Pa.R.A.P. 1925(a).


                                           -2-
J-S71032-17


Dibish v. Ameriprise Financial, Inc., 134 A.3d 1079, 1084-85 (Pa. Super.

2016), appeal denied, 141 A.3d 481 (Pa. 2016) (citation omitted).

       Moreover,

             [t]he holder of a mortgage has the right, upon default, to
       bring a foreclosure action. The holder of a mortgage is entitled to
       summary judgment if the mortgagor admits that the mortgage is
       in default, the mortgagor has failed to pay on the obligation, and
       the recorded mortgage is in the specified amount.

Bank of America, N.A. v. Gibson, 102 A.3d 462, 464-65 (Pa. Super. 2014),

appeal denied, 112 A.3d 648 (Pa. 2015) (citations omitted).

       After a thorough review of the record, the parties’ briefs, the applicable

law, and the well-reasoned opinion of the trial court, we conclude that there

is no merit to the issues Appellants have raised on appeal. The trial court

opinion properly disposes of the questions presented.2 (See Trial Ct. Op., at

7-12) (finding that: (1) Appellee is the real party in interest with standing to

foreclose; (2) Appellants failed to rebut any of Appellee’s substantive

allegations; (3) Appellants’ general denials did not identify any issues of

factual dispute; and (4) Appellants’ claim that Appellee wrongly filed two


____________________________________________


2 To the extent it can be determined from Appellants’ brief, which is all but
unintelligible, Appellants appear to argue that the affidavit filed by Appellee in
support of its motion for summary judgment was inadmissible hearsay. (See
Appellants’ Brief, at 7-8). The trial court did not address this issue in its
opinion because Appellants did not raise it in their Rule 1925(b) statement.
(See Statement of Matters Complained of on Appeal, 6/13/16, at 1). Thus,
Appellants waived this issue. See Pa.R.A.P. 1925(b)(4)(vii); see also
Commonwealth v. Lord, 719 A.2d 306, 308 (Pa. 1998), superseded by rule
on other grounds as stated in Commonwealth v. Burton, 973 A.2d 428, 431
(Pa. Super. 2009).

                                           -3-
J-S71032-17


different true and correct copies of the note was both waived and unsupported

by record).   Accordingly, we affirm based on the trial court’s opinion.

     Order affirmed.

Judgment Entered.




Joseph D. Seletyn, Esq.
Prothonotary



Date: 2/16/18




                                     -4-
                                                                                            201 ticRALOIN94641P1r11123AP11




IN THE COURT OF COMMON PLEAS OF MONTGOMERY COUNTY, PENNSYLVANIA
                                        CIVIL ACTION        - LAW
U.S. ROF III LEGAL TITLE TRUST 2015-1                  :       NO. 14-29951
BY U.S. BANK, N.A., AS LEGAL TITLE                                 1812 EDA 2016
TRUSTEE
                                     Plaintiff
                    v.

SUSAN LAIRD Aff(JA SUSAN L. LAIRD
                                                                    1111   IIRritinilt
                                                                    2014-29951-0030     4/7/2017 4:07 PM      #   11232729
                                                                                                                             1111
                                                                                             Opinion
AND STRIKWERDA
                                                                    Rcpt= 23105573 Fee:SO.00
                         Defendants                                           Mark    LCN'y - NIontCo   Prothonotary


                                                 OPINION

   Branca, J.                                                                                    April 7, 2017

  1.      INTRODUCTION

          Susan Laird afkla Susan L. Laird and Gene Strikwerda (collectively, "Defendants")

  appeal pro set from this Court's Order, dated April 22, 2016, granting Plaintiff, U.S. ROF III

  Legal Title Trust 2015-1, by U.S. Bank National Association, as Legal Title Trustee's Motion for

  Summary Judgment and entering judgment, in rem, in favor of Plaintiff and against Defendants

  in the amount   of $334,811.49, plus interest and applicable costs. For the reasons that follow,

  Defendants' appeal is without merit and the Court's Order, dated April 22, 2016, should be

  AFFIRMED.

  II.     STATEMENT OF THE CASE

          The instant dispute arises from a Mortgage (the "Mortgage") securing the real property

  (the "Property") located at 3126 Shirlene Road, East Norriton, Pennsylvania, executed and

  delivered by Defendants to Mortgage Electronic Registration Systems, Inc. ("MERS") as

  nominee for Franklin American Mortgage Company ("Franklin") on January 23, 2009, and



   While the Court is cognizant of Defendants' pro se status on appeal, Defendants are bound and obligated to
  comply with the relevant rules of procedural and substantive law. See Jones v. Rudenstein, 585 A.2d 520, 522 (Pa.
  Super. Ct. 1991) (Citing Farretta v. _California, 422 U.S. 806, 834 n. 46 (1975)).
                                                                                                2014-29951-0030 Opinion, Page   2




recorded on February 9, 2009.2 The Mortgage secured Defendants' obligations under the

Promissory Note (the "Note"),dated January 23, 2009, and given to Franklin in consideration of

a loan to Defendants in the amount       of $260,855.00, with interest thereon at 5.000%, payable in

equal monthly installments of $1,400.33 commencing on March                            1,   2009.3 In relevant portion,

the Note provides:

       "Borrower" means each person signing at the end of this Note, and the person's
       successors and assigns.
       "Lender" means Franklin America Mortgage Company and its successors and
       assigns.
       Borrower's promise to pay is secured by a Mortgage,      that is dated the same
                                                                           .   .   .



       date as this Note and called the "Security Instrument." The Security Instrument
       protects the Lender from losses which might result if Borrower defaults under this
       Note. .[4]
              .




In relevant portion, the Mortgage states:

        Borrower owes Lender the principal sum of      ($260,855.00.) This debt is
                                                               .   .


        evidenced by Borrower's note dated the same date as this Security Instrument
        (Note) .. This Security Instrument secures to Lender: (a) the repayment of the
                  .   .



        debt evidences by the Note, with interest,  ; (c) the performance of Borrower's
                                                       .   .



        covenants and agreements under this Security Instrument and the Note.

        For this purpose, Borrower does hereby mortgage, grant and convey to MERS
        (solely as nominee for Lender and Lender's successors and assigns) and to the
        successors and assigns of MERS the following described property        .[5]                ....
        The covenants and agreements of this Security Instrument shall bind and benefit
        the successors andassigns of Lender and Borrower      .[6]     .




Thereafter, on August     1,   2011, Defendants defaulted on the Note and Mortgage by failing to

make the previously agreed upon monthly payments. On January 16, 2013, though not required


2
  [Compl. at Ex. A (the "Mortgage") (Montgomery County Record of Deeds, Instrument # 2009010231, Book
 12533 at Page 368, (11/10/14)].
3
  [Compl. at Ex. B (the "Note"), (11/10/14)].
4 [Compl. at Ex. B (the "Note"), at ¶ 1, 3, (11/10/14)].

5 [Compl. at Ex. A (the "Mortgage") (Montgomery County Record of Deeds, Instrument # 2009010231, Book

 12533 at Page 368, (11/10/14)].
6
  Compl. at Ex. A (the "Mortgage") (Montgomery County Record of Deeds, Instrument # 2009010231, Book 12533
at Page 368, at lj 12, (11/10/14)].


                                                  2
                                                                                  2014-29951-0030 Opinion, Page 3




because Defendants' period default exceeded 24 months, Plaintiff, nonetheless, sent Notices of

Intention to Foreclose to each Defendant at the Property via certified and regular mail.7

       On August 22, 2012, the Mortgage was assigned by MERS as nominee for Franklin to

Bank of America, N.A., which assignment ("First Assignment") was duly recorded in the Office

of the Recorder of Deeds of Montgomery County on August 24, 2012.8 On April                 2, 2014, Bank

of America, N.A. assigned the Mortgage to the Secretary of Housing and Urban Development,

which assignment ("Second Assignment") was duly recorded in the Office of the Recorder of

Deeds of Montgomery County on May 29, 2014.9 On June 6, 2014, the Secretary of Housing

and Urban Development assigned the Mortgage to U.S. Bank National Association, as Trustee

for SROF-2013-S3 REMIC Trust          I   ("U.S. Bank"), which assignment ("Third Assignment") was

duly recorded in the Office of the Recorder of Deeds of Montgomery County on June 18, 2014.10

        On November 10, 2014, U.S. Bank instituted the instant mortgage foreclosure action

against Defendants. On December15, 2014, Defendants filed Preliminary Objections pro se,

asserting that U.S. Bank was not the real party in interest and therefore, lacked standing to

foreclose. (Defendants inexplicably attached to their Preliminary Objections more than 250

pages of exhibits.) U.S. Bank filed its Reply on January 2, 2015, and by Order dated February

25, 2015, this Court overruled Defendants' Preliminary Objections. In the meantime, on January

13, 2015, U.S. Bank assigned the Mortgage to SROF 2013-S3 REO                I   LLC, which assignment




7
  [Comp'. at 1112, Ex. C ("Notice of Intention"), (I 1/10/14)]; See 35 P.S. 5 P.S. § I680.402c.
8
  [Pl.'s Mot. for Summ. J. at Ex. C ("First Assignment") (Montgomery County Record of Deeds, Instrument
#2012083941, Book 13388, at Page 01194), (2/26/16)].
9
  [Pl.'s Mot. for Summ. J. at Ex. D ("Second Assignment") (Montgomery County Record of Deeds, Instrument
N2014032724, Book 13786, at Page 00926), (2/26/16)].
10
   [Pl.'s Mot. for Summ: J. at Ex. E'("Third Assignment") (Montgomery County Record of Deeds, Instrument
#2014037727, Book 13794, at Page 02303), (2/26/16)].


                                                  3
                                                                                        2014-29951-0030 Opinion, Page 4




("Fourth Assignment") was duly recorded in the Office of the Recorder of Deeds of Montgomery

County on February 23, 2015.1

          On March 16, 2015, Defendants filed their Answer and New Matter, affirmatively

admitting only their names and mailing addresses.I2 But despite Defendants' prevarication, they

ultimately admitted all remaining allegations of material fact by virtue of their lengthy and

obtuse general denials. On April 8, 2015, in response to Defendants' alleged affirmative

defenses, Plaintiff filed         a   Reply aptly disposing of their New Matter.I3 Thereafter, on November

4, 2015, SROF 2013-S3 REO                 I   LLC assigned the Mortgage to Plaintiff, which assignment

("Fifth Assignment") was duly recorded in the Office of the Recorder of Deeds of Montgomery

County on November 13, 2015.14

           On February 26, 2016, Plaintiff filed a Motion for Summary Judgment, asserting therein

that it was the holder of the Note and Mortgage.I5 In response, Defendants filed an Answer,

attaching more than 850 pages of exhibits, and neglected entirely to file the requisite brief in

support thereof.16 After a review of the record, the undersigned determined no genuine issues of

material fact existed, Plaintiff was entitled to judgment as a matter of law, and accordingly

granted Plaintiffs Motion for Summary Judgment by Order dated April 22, 2016.

Notwithstanding this Court's April               22nd   entry of judgment and for reasons still unclear, on April

26, 2016, Defendants filed 'Preliminary Objections In The Nature To Strike Plaintiffs Sur Reply




                            at Ex. F ("Fourth Assignment") (Montgomery County Record of Deeds, Instrument
11
     [Pl.'s Mot. for Summ.   J.
#2015011569, Book 13901, at Page 02967), (2/26/16)]; [Pl.'s Praecipe, at Ex, A ("Fourth Assignment")
(Montgomery County Record of Deeds, Instrument 420150 11569, Book 13901, at Page 02967), (4/8/15)].
12 [Defs.' Answ. & New Matter (3/16/15)].

13 [Pl.'s Reply (4/8/15)].
14 [Pl.'s
          Mot. for Summ. J. at Ex. G ("Fifth Assignment") (Montgomery County Record of Deeds, Instrument
#2015086531, Book 14043, at Page 00199) (2/26/16)].
15 [Pl.'s Mot. for Summ. J., at ¶ 8, (2/26/16)].

16 [Defs.' Answ. To Pl.'s Mot. Summ. J., (3/28/16)]; see Pa. R.C.P. 1035.3(d); see also Montco. R,C.P. 208.3(b)

(generally permitting entry of judgment where respondent fails to respond).

                                                            4
                                                                                       2014-29951-0030 Opinion, Page      5




Brief   .   .   .   .'17 On   May 20, 2016, Defendants timely filed and served upon the undersigned a

Notice of Appeal, and on June 13, 2016, Defendants timely filed and served upon the

undersigned their Statement of Errors Complained Of On Appeal (Pa. R. A. P. "1925(b)

Statement") which set forth the following:

            1.          The learned Judge erred in granting Plaintiff's motion for summary
                        judgement.

                        The learned Judge erred in granting Plaintiff's motion for summary
                        judgement by allowing Plaintiff to file two completely different true and
                        correct copies of the note.

            3.           The learned Judge erred in granting Plaintiff's motion for summary
                        judgement by not dismissing Plaintiff's case due to lack of standing.

            4.          The learned Judge erred in granting Plaintiff's motion for summary
                        judgement as the court failed to recognize MERS cannot transfer any
                        beneficial interest in the note or mortgage.

III.        DISCUSSION

            On appeal Defendants preserved.two issues for review. First, they contend that Plaintiff

is not the real party in          interest and lacks standing to foreclose; and second, they claim that

Plaintiff improperly filed two different copies of the Note. Defendants' remaining bald and

undeveloped contentions that the Court erred are waived for vagueness." As discussed

hereinafter, Defendants' claims are meritless, and the Court's entry of summary judgment in

favor of Plaintiff was appropriate.




" Defendants'   Preliminary Objections present just one example of Defendants' repeated misapplication and lack of
Comprehension of the rules of civil procedure, as demonstrated herein: "The verification attached is signed by Leslie
J. Rase Esquire. Leslie J. Rase Esquire is not a party to this case. Pa. R.C.P. 1024 requires that parties sign
verifications. This verification violates the rules and therefore this document must be stricken.... This is not proper
under civil procedure. Under old time practice this was called a Speaking Demurrer. Speaking Demurrers are not
aloud [sic]." Additionally, Defendants filed a Motion for Reconsideration, alleging that Plaintiff lacked standing,
which was denied by operation of law.
18
   See Pa. R.A.P. 1925(b)(4).


                                                        5
                                                                                2014-29951-0030 Opinion, Page   6




             A.   Standard of Review

             Summary judgment as a matter of law is appropriate when "there is no genuine issue of

material fact as to a necessary element of the cause of action. Pa. R.C.P. 1035.2(1). The record

is to be viewed in the light most favorable to the nonmoving party, and all doubts as to the

presence of a genuine issue of material fact must be resolved against the moving party. Albright

v.   Abington Mem'l Hosp., 696 A.2d 1159, 1165 (Pa. 1997) (citing Pennsylvania State University

v.   County of Centre, 615 A.2d 303,304 (Pa. 1992)). However, "[w]here the non-moving party

bears the burden of proof on an issue, he may not merely rely on his pleadings or answers in

order to survive summary judgment. Failure of a non-moving party to adduce sufficient

evidence on an issue essential to his case and on which it bears the burden of proof establishes

the entitlement of the moving party to judgment as a matter of law."         JP Morgan Chase       Bank,

N.A.    v.   Murray, 63 A.3d 1258, 1261-62 (Pa. Super. Ct. 2013) (internal quotation omitted). More

specifically, to preclude entry of judgment, respondents must identify:

             (1) one or more issues of fact arising from evidence in the record controverting
                 the evidence cited in support of the motion or from a challenge to the
                 credibility of one or more witnesses testifying in support of the motion, or

             (2) evidence in the record establishing the facts essential to the cause of action or
                 defense which the motion cites as not having been produced.19

Pa. R.C.P. 1035.3(a)(1),(2). In a mortgage foreclosure action, summary judgment is appropriate

if the mortgagors "admit that the mortgage        is in default, that they have failed to pay interest on

the obligation, and that the recorded mortgage is in the specified amount." Cunningham               v.


McWilliams, 714 A.2d 1054, 1057 (Pa. Super. Ct. 1998) (citing Landau             v. W.   Pa. Nat'l Bank,

282 A.2d 335, 340 (Pa. 1971)). Finally, when reviewing a grant of summary judgment, the

appellate court may only disturb the order of the trial court when it is determined that there has


19
     Pa, R.C.P. 1035,3.
                                                                                       2014-29951-0030 Opinion, Page   7




 been an error of law or a clear abuse of discretion. Shomo            v.   Scribe, 686 A.2d 1292, 1294 (Pa.

 1996); Panichelli         v.   Liberty Mutual Insurance Group, 669 A.2d 930, 931 (Pa. 1996).

              B.   The Court Properly Granted Plaintiff's Motion for Summary Judgment.

              On their face, Defendants' pro se pleadings reflect numerous procedural and

 substantive deficits. Their anfractuous responses and allegations are improperly

predicated on        a   variety of documents which are either not part of the record, or

completely irrelevant to the Court's disposition of the instant Motion for Summary

Judgment.2° For the reasons that follow, the Court's entry of judgment in favor of

Plaintiff was appropriate.

              i.      Plaintiff Is The Real Party In Interest   With   Standing To Foreclose.21

              Given the prolix nature of Defendants' responses and allegations, including block

quotations from various irrelevant publications, their defense to.Plaintiff's Motion for Summary

Judgment, while not entirely clear, appears from their 1925(b) Statement to be that: (1) Plaintiff

is not the real party in interest and lacks standing to foreclose, and (2) a genuine issue             of material

fact exists as to Plaintiff's possession of the Note.22 Defendants' claims are meritless.

              In its Motion for Summary Judgment, Plaintiff properly alleged it was "the present holder

of the Mortgage and Note, as well as the mortgagee of record."23 In response, Defendants

unconvincingly denied Plaintiff's status as holder, stating, "Denied. There is no evidence that the




2°Defendants repeatedly refer to publications such as, 'Modern Money Mechanics,' as well as the 'Certificate of
Incorporation of Mortgage Electronic Registrations System, Inc.,' as well as `MERS System of Rules of
Membership,' Ginnie Mae Guaranteed REMIC Pass-Through Securities Base Offering Circular' MERS
Residential Marketing Kit,' MERS Procedures Manual, Release 19.0,' and 'MERS Procedural Manual, Release
1.3.5, .,20
      I


21
   Notwithstanding Defendants' failure to file a brief, this Court will address Defendants' I925(b) Statement. See
Montco, R.C.P. 208.3(b)(6)(b) (Entry of judgment against respondent for noncompliance is appropriate.)
22 [See Defs.' Preliminary Objections (12/15/14)  , Defs.' Answ. & New Matter (3/16/16), Defs.' Answ. to Pl.'s Mot.
for Summ. J., at ¶ 8, (3/28/16)].
23 [Pl.'s Mot. for Summ. J., at ¶ 8, (2/26/16)].




                                                      7
                                                                                          2014-29951-0030 Opinion, Page      8




Plaintiff is the holder of the Note or Mortgage."24 Contrary to Defendants' assertion, the record

aptly supports Plaintiff's status as the real party in interest. More specifically, not only did

Plaintiff painstakingly set forth the factual details underpinning each Mortgage Assignment, but

it   exceeded its evidentiary burden by attaching copies of each Assignment, statements of their

recordation, and a documentary Affidavit in support of its Motion, all of which supported its

standing to foreclose, as well as the sums due thereunder.25

          For their part, however, Defendants baldly asserted in their Answer to the Motion for

Summary Judgment that Plaintiff cannot be the holder of the Mortgage and the Note, because the

Note was specially endorsed by Franklin to Countrywide Bank, FSB.26 Defendants' response

addressing the Note's special endorsement is irrelevant to Plaintiff's status as the mortgagee and,

in any event, not supported by the case law.

          First, as demonstrated by Pennsylvania Rule of Civil Procedure, the mortgage holder is

the party with standing to foreclose. See Pa. R.C.P. 1147(1) (Requiring complainant to allege

"the parties to and the date of the mortgage, and of any assignments, and a statement of the

place of record of the mortgage and assignments.") That propositiOn is supported by our

Pennsylvania jurisprudence, as aptly demonstrated by our Superior Court's recent decision in

CitiMortgage, Inc.      v.   Barbezat, holding that a mortgagee which avers and produces evidence to

support its status as the holder of the mortgage, by assignment, is the real party in interest." See

CitiMortgage, Inc.      v.   Barbezat,   131   A.3d 65,68-69 (Pa. Super. Ct. 2016); see also Wells Fargo

24
   [Defs.' Answ. to Pl.'s Mot. for Summ. J., at 118, (3/28/16)]. Additionally, while Defendants did not assert with
the requisite specificity any other issues on review, their repeated block recitation of portions of publications which
have no relevance to the instant dispute do not constitute sufficiency, so as to preserve their denials any of Plaintiff's
remaining allegations. See Pa. R.C.P. 1029.
25[See Pl.'s Mot. for Summ, J,, at Exs. A ("the Note"), Ex. B ("Mortgage,") Ex. C ("First Assignment"), Ex. D
("Second Assignment"), Ex. E ("Third Assignment"),Ex. F ("Fourth Assignment,") and Ex. G ("Fifth Assignment"),
Ex, R ("Affidavit"), (2/26/16)1; See Kirby v. Kirby, 687 A.2d 385, 388 (Pa. Super. Ct. 1997) (Documentary
affidavits, if uncontradicted, may properly support the entry of summary judgment as they fall outside the ambit of
the Nanty-Glo Rule.) (internal citation omitted).
26 [Defs.' Answ. to Pl.'s Mot. for Summ. J,, at 118, (3/28/16)].



                                                       8
                                                                                      2014-29951-0030 Opinion, Page     9




Bank, N.A.   v.   Lupori,   8   A.3d 919, 922 n.   3   (Pa. Super. Ct. 2010). It is well -settled that "[w]here

an assignment is effective, the assignee stands in the shoes of the assignor and assumes all of his

rights. See Smith    v.   Cumberland Group, Ltd., 687 A.2d 1167, 1172 (Pa. Super. Ct. 1997).

        Defendants, therefore, not only misrepresented Plaintiff's authority as the mortgagee and

the evidence of record supporting Plaintiff's status as the holder of the Mortgage and Note, but

they also failed to muster any evidence of their own to rebut Plaintiff's allegations and/or

evidence. As delineated by Pa. R.C.P. 1035.3(a), Defendants were obligated to set forth:

        (1) one or more issues of fact arising from evidence in the record controverting
            the evidence cited in support of the motion or from a challenge to the
            credibility of one or more witnesses testifying in support of the motion, or

        (2) evidence in the record establishing the facts essential to the cause             of action or
            defense which the motion cites as not having been produced.27


In response to Plaintiff's properly plead allegations and supporting evidence, Defendants

failed entirely to present any relevant evidence to rebut Plaintiff's claim as the real party

in interest, and holder of the Mortgage and Note despite the opportunity to conduct

discovery.28 Defendants' haphazard attachment of hundreds of pages of extraneous

exhibits, including publications and documents lacking any relevance to the instant

action, in no way rebutted Plaintiff's substantive evidence.29 As set forth above, to

preclude entry of judgment a respondent may not rest upon mere general denials, but

must identify an issue of fact arising from the evidence. See Pa. R.C.P. 1035.3. Given

Defendants' failure to meet their burden of rebuttal, the Court's entry of judgment in

favor of Plaintiff, as mortgagee, was appropriate.

27
    Pa. R.C.P. 035.3(a).
              I



28 Defendants failed to face their Answer to Plaintiff's Motion for Summary Judgment with the required cover sheet,
pursuant to Montco. R.C.P. 205.2(b), wherein they could have expressly requested discovery, and did not otherwise
seek discovery as to Plaintiff's status as the real party in interest.
29 [See Defs,' Preliminary Objections (12/15/14)   ,  Defs.' Answ. & New Matter (3/16/16), Defs.' Answ. to Pl.'s Mot.
for Summ. J,, at ¶ 8, (3/28/16)].
                                                                                       2014-29951-0030 Opinion, Page 10




           This Court is not unmindful of the mortgage industries' propensity to repeatedly re -assign

mortgages. This practice, though legal, can no doubt be confusing to pro se mortgagees, such as

Defendants. Nonetheless, Plaintiff, in this case has demonstrated its burden under the Rules by

expressly pleading each Mortgage assignment chronologically, and attaching to its pleadings the

referenced assignments; thereby setting forth in as succinct and orderly manner as possible the

basis for its status as assignee of the Mortgage. As such, the uncontroverted evidence establishes

that Plaintiff, by virtue of its unrebutted chain of assignments, is the mortgagee with standing to

foreclose, and Defendants' claim to the contrary is meritless.

           ii.      Alleged Two Different Copies of Note.


           On appeal, Defendants also asserted that the Court erred "by allowing Plaintiff to

file two completely different true and correct copies of the note."30 The Court is

perplexed by this assertion. Not only is this allegation unsupported by any submissions

of Defendants on the record, but this Court's review revealed identical copies of the Note

attached to Plaintiff's Complaint and Motion for Summary Judgment. Indeed, the copy

of the Note attached to the Motion for Summary Judgment includes the exact same time -

stamp affixed to the copy of the Note filed with the Complaint; thereby confirming that

Plaintiff attached the same Note copy to both pleadings.31 Moreover, in any event,

Plaintiff had no obligation under the Rules to attach a copy of the Note; especially in light

of Defendants' apparent failure to demand production of the same.


                     Under Pa. R.C.P. 1147,       a   complainant seeking to foreclosure must set

           forth the following averments of fact:


30
     [See Defs.' 1925(b) Statement].
31   [Compare Pl.'s Compl., at Ex. B ("the Note"), (11/10/14), with P1.'s Mot. for Summ. J,, at Ex. A ("the Note"),
(2/26/16)].


                                                        10
                                                                                2014-29951-0030 Opinion, Page   11




            (1)      the parties to and the date of the mortgage, and of any assignments, and a
                     statement of the place of record of the mortgage and assignments;

            (2)      a   description of the land subject to the mortgage;

            (3)      the names, addresses and interest of the defendants in the action and that
                     the present real owner is unknown if the real owner is not made a party;

            (4)      a specific averment      of default;

            (5)      an itemized statement of the amount due; and

            (6)      a demand for     judgment for the amount due.


Pa. R.C.P. 1147. As demonstrated, nowhere in the Pa. R.C.P. 1147 is there a requirement

to attach a copy         of the Note upon which entry of j udgment is sought. Thus, in the first

instance, Plaintiff's inclusion and attachment of the Note copy was in excess of that

which is required by Pa. R.C.P. 1147.

           Additionally, Defendants' 1925(b) lacks sufficient detail and specificity to

identify the filings at issue, and as such, this Court is unable to ascertain to which exhibits

Defendants refer.32 Therefore, Defendants' claim regarding Plaintiff's filing of two

different copies of the Note is not only meritless, but is also deemed waived in light of

defendants' failure to provide the Court with the mandated specificity.

           Finally, as addressed previously, the instant Note has been in arrears since

Defendants' default in August           1,   2011. Despite copious amounts of paper added to this

case by Defendants' futile and frivolous attempts to delay the disposition of this matter,

and abuse our legal system so as to remain in the Property for years without payment; the

record reflects no genuine issues of material fact to preclude entry of judgment. Thus, in

light of Defendants' failure to demonstrate the requisite issue of material fact or produce



32   See Pa. R.A.P. 1925(b)(4)(11).
                                                                          2014-29951-0030 Opinion, Page 12




any evidence of record to rebut Plaintiff's status as a real party in interest with standing to

foreclose, the Court's entry of judgment in favor of Plaintiff and against Defendants was

wholly appropriate.

IV.     CONCLUSION

        This Court respectfully requests that its Order, dated April 22, 2016, granting

Plaintiff, U.S. ROF III Legal Title Trust 2015-1, by U.S. Bank National Association, as

Legal Title Trustee's Motion for Summary Judgment and entering judgment, in rem, in

favor of Plaintiff and against Defendants in the amount of $334,811.49, plus interest and

applicable costs, be AFFIRMED.

                                                        BY THE COURT:




                                                        THOMAS C. BRANCA,




Copies of the above Opinion
mailed on 4/ -7 /17      to:
By First Class Mail:
Sarah McCaffery, Esquire
Leslie J. Rase, Esquire
Susan Laird, Pro Se, 3126 Shirlene Rd., East Norriton, PA. 19403
Susan L. Laird, Pro Se, 3126 Shirlene Rd., East Norriton, PA. 19403
Gene Strikwerda, Pro Se, 3126 Shirlene Rd., East Norriton, PA. 19403
By Interoffice Mail:
Court Administr tion

Secretary         w'
                       L(

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