ROBERT W. GETTLEMAN, District Judge.
Plaintiff JP Morgan Chase Bank brought this foreclosure action against defendant Lindsay Jenkins, the mortgagor of certain residential property. Plaintiff filed the instant motion (doc. 90) for summary judgment pursuant to Fed. R. Civ. P. 56, contending that no genuine issue of material fact exists and that it is entitled to judgment as a matter of law. Plaintiff also filed a motion (doc. 100) to appoint a special commissioner in the event that its motion for summary judgment is granted. In addition, plaintiff filed a motion (doc. 101) for default judgment and a motion (doc. 102) for entry of a judgment of foreclosure and sale as to defendants 30 East Huron Condominium Association, Unknown and Non-Record Claimants, and Unknown Occupants. Defendant subsequently filed a motion (doc. 111) to strike plaintiff's motion for summary judgment, a Fed. R. Civ. P. 56(d) affidavit (doc. 109), and a second motion (doc. 116) to dismiss.
For the reasons discussed below, the court grants plaintiff's motions for summary judgment and to appoint a special commissioner and denies defendant's motion to strike and dismiss. In light of the fact that the remaining defendants have not answered the complaint, the court also grants plaintiff's motion for default judgment.
Ordinarily, the court relies on the parties' Local Rule 56.1 statements and responses to summarize the undisputed facts before the court. However, neither defendant's responses to plaintiff's 56.1 statements nor her "counterstatement" comply with the court's local rule. As an initial matter, defendant's responses do not contain "a concise summary of the paragraph to which it is directed," as required by L.R. 56.1(b)(3)(a).
More importantly, defendant's denials are not supported by "specific references" to admissible evidence. L.R. 56.1(b)(3)(b);
Defendant's counterstatement, traditionally known as a statement of additional facts, does not fare any better. As plaintiff points out, most of defendant's additional statements of fact are not facts at all, but arguments and legal conclusions.
The only material defendant cites in support of her denials of plaintiff's 56.1 statement of facts and counterstatement is a report entitled "Property Securitization Analysis Report" that is authored by Michael Carrigan, who identifies himself as a "Certified Mortgage Securitization Auditor." The report, however, is undated, unsigned, and unsworn, and thus is not admissible to oppose summary judgment.
On August 19, 2005, defendant entered into a mortgage and note with Washington Mutual Bank, FA ("WaMu"), secured by property located at 30 E. Huron Street #4406, Chicago, Illinois 60611. The note required defendant to make monthly payments beginning on October 1, 2005. Defendant also agreed, as a part of the note, to pay taxes, insurance and any other escrow items that applied. The note was endorsed in blank by WaMu.
Defendant defaulted on her monthly mortgage payments under the terms of the note and mortgage by failing to pay the monthly mortgage payments as they became due beginning in January 2008. Pursuant to a Purchase and Assumption Agreement between the Federal Deposit Insurance Corporation ("FDIC") and plaintiff, plaintiff became the owner of all the loans and loan commitments of WaMu, including defendant's mortgage loan, on September 25, 2008. As of January 6, 2016, the outstanding amount due on the loan, excluding attorney fees and costs associated with the foreclosure and litigation in this case, was $294,484.44.
As discussed above, since plaintiff moved for summary judgment, defendant has filed a motion to strike plaintiff's motion for summary judgment, a Rule 56(d) affidavit, and a second motion to dismiss. The court denies both motions and, in its discretion, declines to exercise its powers pursuant to Rule 56(d)(1) or (2).
Defendant argues that the court should strike plaintiff's motion for summary judgment for failure to comply with Local Rule 56.2. Defendant, however, does not articulate how plaintiff has failed to comply with the rule. Local Rule 56.2 requires a party moving for summary judgment against a pro se litigant to "serve and file as a separate document, together with the papers in support of the motion, a `notice to pro se litigant opposing motion for summary judgment' in the form indicated" by the rule. A review of plaintiff's motion makes clear that plaintiff did in fact comply with Local Rule 56.2. As required by the rule, plaintiff filed the required notice as a separate document, together, as an exhibit, to it motion for summary judgment. (Doc. 90.) Accordingly, defendant's motion to strike is denied.
The court, likewise, rejects defendant's Rule 56(d) affidavit. The court has, in the past, denied defendant's request for discovery as seeking information about alleged defenses that have been repeatedly rejected as not viable. The relevant issues before the court are whether defendant had a mortgage, failed to make the required payments pursuant to the terms of the mortgage, and thus defaulted.
Defendant has also once again filed a motion seeking to dismiss the foreclosure complaint, arguing that the action is a fraud and that plaintiff is not the true owner of the note. Even if the court were to accept defendant's position that plaintiff does not own the note, plaintiff holds the note, and thus has standing to enforce it.
A movant is entitled to summary judgment pursuant to Fed. R. Civ. P. 56 when the moving papers and affidavits show that there is no genuine issue of material fact and the movant is entitled to judgment as a matter of law. Fed. R. Civ. P. 56(a);
A genuine issue of material fact exists when "the evidence is such that a reasonable jury could return a verdict for the nonmoving party."
This matter is before the court pursuant to the court's diversity jurisdiction.
In compliance with Illinois law, plaintiff attached a copy of the mortgage as Exhibit A, and a copy of the promissory note as Exhibit B, to its complaint. 735 Ill. Comp. Stat. 5/15-1504(a)(2). Under Illinois law, the mere attachment of the note to the complaint is prima facie evidence that plaintiff owns the note.
Defendant has not offered any evidence to contradict the material facts that she entered into a mortgage with WaMu, that the note required her to make monthly payments, and that she has failed to make any payments on the note since January 2008. As such, "the factual record before the Court demonstrates that there are no genuine issues of material fact with respect to any elements of Plaintiff's foreclosure claim; namely, that: (1) defendant[] had a mortgage; (2) [she] failed to pay; and (3) [she] defaulted."
For the foregoing reasons, the court grants plaintiff's motion (doc. 90) for summary judgment. The court also grants plaintiff's motion (doc. 100) to appoint a special commissioner and motions for default judgment (doc. 101) and entry of a judgment of foreclosure and sale (doc. 102) as to defendants 30 East Huron Condominium Association, Unknown and Non-Record Claimants, and Unknown Occupants. The court denies defendant's motion (doc. 111) to strike plaintiff's motion for summary judgment and second motion (doc. 116) to dismiss.
Plaintiff is directed to file a proposed final judgment order of foreclosure with the court conforming to this opinion on or before September 2, 2016, for presentation on September 8, 2016, at 9:15 a.m.