Case: 18-12145   Date Filed: 12/09/2019   Page: 1 of 7


                                                        [DO NOT PUBLISH]



            IN THE UNITED STATES COURT OF APPEALS

                    FOR THE ELEVENTH CIRCUIT
                      ________________________

                            No. 18-12145
                        Non-Argument Calendar
                      ________________________

                  D.C. Docket No. 1:17-cv-05257-LMM



DESIREE FELICIA SAPP,

                                                          Plaintiff - Appellant,

                                  versus

NATIONSTAR MORTGAGE LLC,
d.b.a. Mr. Cooper,

                                                        Defendant - Appellee.

                      ________________________

               Appeal from the United States District Court
                  for the Northern District of Georgia
                     ________________________

                            (December 9, 2019)

Before WILLIAM PRYOR, GRANT, and HULL, Circuit Judges.

PER CURIAM:
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      Desiree Sapp appeals the district court’s dismissal of her pro se complaint

against Nationstar Mortgage, LLC for failure to state a claim. See 28 U.S.C.

§ 1915(e)(2)(B)(ii). After reviewing the record and the parties’ briefs, we affirm.

                                           I.

      On December 19, 2017, Sapp filed a “complaint of wrongful foreclosure”

against Nationstar in the Northern District of Georgia, primarily attacking the

assignment of her security deed from First Horizon Home Loans to Nationstar.

She also filed a motion to proceed without prepayment of fees or costs, pursuant to

28 U.S.C. § 1915(a). The magistrate judge granted her § 1915 motion but directed

her to file an amended complaint stating a plausible claim for relief in compliance

with the Federal Rules of Civil Procedure. The magistrate judge pointed out

several deficiencies in her complaint, including that she lacked standing to

challenge the assignment of her security deed, and that her claim under the Real

Estate Settlement Procedures Act (RESPA) regarding Nationstar’s notice of the

assignment was time-barred. The magistrate judge warned Sapp that the failure to

file an amended complaint addressing the noted deficiencies and setting forth

sufficient factual allegations to state a plausible claim for relief would result in a

recommendation to dismiss the action pursuant to 28 U.S.C. § 1915(e)(2)(B).

      Sapp filed an amended complaint, reiterating the claims in her initial

complaint and making various arguments in response to the magistrate judge’s


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order. The magistrate judge issued a report finding that Sapp’s amended complaint

suffered from the same deficiencies as her initial complaint and recommending that

her amended complaint be dismissed for failure to state a claim. In a separate

order filed the same day, the magistrate judge notified Sapp that she had 14 days to

file written objections to the report and recommendation, and that if she did not file

objections, the district court could adopt the report as its opinion and order. The

magistrate judge’s order further warned Sapp that this Court would deem waived

on appeal any challenge to factual and legal conclusions to which she failed to

object, subject only to plain-error review if necessary in the interests of justice.

      Sapp filed a premature notice of appeal “from the final judgment,” but did

not otherwise object to the magistrate judge’s report and recommendation. The

district court adopted the magistrate judge’s report as its opinion and dismissed

Sapp’s complaint. This appeal followed.

                                           II.

      On appeal, Sapp argues that (1) the assignment of her security deed to

Nationstar was invalid under Georgia law; (2) Nationstar failed to provide proper

notice of the assignment and transfer of her mortgage loan servicing as required by

RESPA and Georgia law; (3) Nationstar violated RESPA’s loss-mitigation

regulations by failing to properly evaluate her application for loss mitigation and

failing to offer her reasonable payment options; and (4) Nationstar violated


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Georgia law by accelerating her mortgage when she failed to make her loan

payments. 1 Because Sapp failed to object to the magistrate judge’s report and

recommendation, our review is discretionary and is for plain error only. See 11th

Cir. R. 3-1; Evans v. Ga. Reg’l Hosp., 

, 1257 (11th Cir. 2017).

                                                III.

                                                 A.

       Sapp claims that the assignment of her security deed to Nationstar was

invalid because it did not contain information and signatures required by Georgia

law. But the “assignment of a security deed is a contract between the deed holder,”

here, First Horizon Home Loans, “and the assignee,” in this case, Nationstar.

Ames v. JP Morgan Chase Bank, N.A., 

, 620 (Ga. 2016). Sapp was

not a party to the assignment.2 And under Georgia law, a debtor who is not a party

to the assignment cannot challenge the assignment of the security deed. 

district court did not plainly err in dismissing this claim.




1
 For the first time on appeal, Sapp also alleges “judicial errors” in the state court foreclosure
proceedings. We decline to consider those claims because she did not raise them in the district
court. See, e.g., Ramirez v. Sec’y, U.S. Dep’t of Transp., 

, 1249 (11th Cir. 2012).
2
  Sapp appears to believe that because her name is mentioned in the assignment, she has standing
to challenge it. But it is clear on the face of the assignment, which Sapp filed as an exhibit to her
complaint, that only First Horizon Home Loans (a division of First Tennessee Bank National
Association), as assignor, and Nationstar, as assignee, are parties to the assignment contract.
Sapp’s name is mentioned only in the assignment’s description of the security deed, which
identifies Sapp as the executor of the deed.
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                                         B.

      Sapp also contends that Nationstar provided inadequate notice of the

assignment of the security deed and transfer of her mortgage loan because the

notice did not inform her that her second mortgage had been paid off as part of the

transfer. She states that she received conflicting information about payment of the

second mortgage from First Horizon Home Loans, which sent her zero-balance

loan statements after the transfer but also filed an objection in her bankruptcy

proceedings indicating that some loan balance remained.

      RESPA requires mortgage lenders and mortgage loan servicers to provide

specified information to borrowers related to the assignment or transfer of loan

servicing. 12 U.S.C. § 2605; see also 12 C.F.R. § 1024.38 (requiring loan

servicers to maintain policies and procedures reasonably designed to permit them

to provide borrowers with information and documents associated with their

mortgage loans). But any lawsuit brought to enforce § 2605 must be brought

within three years “from the date of the occurrence of the violation.” 12 U.S.C.

§ 2614.

      The notice that Sapp complains of (attached as Exhibit B to her complaint)

was sent on August 25, 2011, more than six years before Sapp filed her complaint.

Sapp argues that the district court should have counted from the date of the

security deed assignment, which was not executed until June 4, 2014. Even


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assuming for the sake of argument that the alleged violation of RESPA’s notice

provisions occurred on the later date, however, the three-year statute of limitations

had expired by the time Sapp filed her complaint in December 2017.

      Sapp argues that Georgia law—which requires the holder of a security deed

to provide notice and file a satisfaction of debt whenever “the indebtedness secured

by any instrument is paid in full”—also required Nationstar to provide notice of the

payment of her second mortgage. See O.C.G.A. § 44-14-3(b)(1)–(2). As we

understand Sapp’s complaint, however, her indebtedness was transferred from one

mortgage loan servicer to another, not paid in full. And in any event, Georgia law

also requires that, before filing suit to enforce that provision, the plaintiff must

provide notice and a written demand for liquidated damages to the holder of the

security deed. 

The written demand for liquidated damages is

“a condition precedent to creating the liability that serves as the basis for a lawsuit”

under the statute. SunTrust Bank v. Hightower, 

, 749 (Ga. Ct. App.

2008). Because Sapp has not alleged that she served such a demand, the district

court did not err in dismissing this claim.

                                           C.

      Next, Sapp argues that Nationstar violated RESPA’s loss mitigation

regulations by applying inconsistent criteria to evaluate her loss mitigation

applications and by demanding unreasonable payment terms in its loss mitigation


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offers. See 12 C.F.R. § 1024.41; see also 12 C.F.R. § 1024.38(b)(2) (objectives for

loss mitigation policies and procedures). But the regulations do not require the

loan servicer to apply any particular evaluation criteria, nor do they prohibit the

servicer from offering loss mitigation options even though it previously denied the

borrower’s loss mitigation application. See 

see also 

And nothing “in § 1024.41 imposes a duty on a servicer to

provide any borrower with any specific loss mitigation option.” 

                                          D.

      Sapp argues that O.C.G.A. § 44-14-5 barred the acceleration of her mortgage

loan when she failed to make her loan payments. That statute prohibits the

acceleration of an indebtedness secured by real estate “on account of the sale or

transfer of the real estate or on account of the assumption of the indebtedness,”

with some exceptions not relevant here. O.C.G.A. § 44-14-5(b)(1). Because Sapp

did not allege that Nationstar’s acceleration of her mortgage was triggered by the

sale or transfer of her home, or that anyone had assumed her mortgage debt, the

district court correctly determined that she failed to state a claim under the statute.

                                          IV.

      We find no error in the district court’s dismissal of Sapp’s complaint for

failure to state a claim. Accordingly, we affirm.

      AFFIRMED.


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