Third District Court of Appeal
                               State of Florida

                          Opinion filed January 20, 2016.
         Not final until disposition of timely filed motion for rehearing.

                               ________________

                                No. 3D15-669
                         Lower Tribunal No. 12-34113
                             ________________


                              Bank of America,
                                    Appellant,

                                        vs.

                          Francois Claude Cadet,
                                    Appellee.


     An Appeal from the Circuit Court for Miami-Dade County, Gerald D.
Hubbart, Senior Judge.

     Greenberg Traurig, P.A., and Kimberly S. Mello and Jonathan S. Tannen
(Tampa), for appellant.

     The Ticktin Law Group, P.A., and Peter Ticktin, Joshua Bleil, and Kendrick
Almaguer, and Simon Lassel (Deerfield Beach), for appellee.


Before SUAREZ, C.J., and ROTHENBERG and SCALES, JJ.

      ROTHENBERG, J.
      Bank of America (“the Bank”) appeals the trial court’s order involuntarily

dismissing the Bank’s foreclosure action filed against Francois Claude Cadet

(“Cadet”) based on the Bank’s failure “to strictly comply with paragraph 22 of the

mortgage . . . .” Paragraph 22 of Cadet’s mortgage sets forth several conditions

precedent to the filing of a foreclosure action. Based on this Court’s opinion in

Bank of New York Mellon v. Nunez, 40 Fla. L. Weekly D2486 (Fla. 3d DCA Nov.

4, 2015), we reverse.1

      In sum, we interpreted the default notice provision in paragraph 22 of the

mortgage in accordance with ordinary contract principles and Florida law, which

evaluates adherence to contractual conditions precedent for substantial compliance

or performance, Nunez, 40 Fla. L. Weekly D2486 at *2, not strict compliance as

the trial court found was required in the instant case. We note that in the instant

case, just as in the Nunez case, relevant to the trial court’s order, the Bank’s default

notice informed Cadet that he was in default for failing to make the required

payments (Cadet has not made his mortgage payments since March of 2008); the

action required to cure the default (payment of $9,800.20 already due on or before

June 4, 2008, plus any additional payments, late charges, fees and charges, which


1 The order issued in Nunez was issued by the same trial judge and on the same
grounds as the order issued in the instant case. We note, however, that when the
instant order was issued, and the attorneys filed their briefs in the instant case, our
opinion in Nunez had not yet been issued. Thus, the trial judge and the attorneys
did not have the benefit of this Court’s rulings on the issues presented.

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become due on or before June 4, 2008); and if he failed to cure the default by June

4, 2008, the mortgage payments would be accelerated and a foreclosure action

would be initiated which could result in the foreclosure and sale of Cadet’s

property.

      Because the default notice substantially complied with paragraph 22 of

Cadet’s mortgage, we reverse the order under review and remand for further

proceedings. For a more complete analysis of the law on this issue, please see

Nunez.

      Reversed and remanded.




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