FOR PUBLICATION UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT In re: ARTHUR DANIEL MONROY; ⎫ LAURA MONROY, Debtors, HOME FUNDS DIRECT, its assignees No. 10-60005 and/or successors in interest, ⎬ BAP No. Appellant, 09-1175-PaHD v. ARTHUR DANIEL MONROY; LAURA MONROY, Appellees. ⎭ In re: CHRISTINE PAULETTE HANNON, ⎫ Debtor, U.S. BANK, N.A., No. 10-60017 Appellant, ⎬ BAP No. v. 09-1184 CHRISTINE PAULETTE HANNON; ELIZABETH ROJAS, Chapter 13 Trustee, Appellees. ⎭ 8271 8272 IN RE MONROY In re: ANTHONY JOHN HERRERA, JR.; ⎫ MARY ELLEN HERRERA, Debtors, GREENPOINT MORTGAGE FUNDING, No. 10-60018 INC., Appellant, ⎬ BAP No. 09-1155 v. ORDER ANTHONY JOHN HERRERA, JR.; MARY ELLEN HERRERA; ELIZABETH F. ROJAS, Appellees. ⎭ Appeal from the Ninth Circuit Bankruptcy Appellate Panel Hollowell, Pappas, and Dunn, Bankruptcy Judges, Presiding Argued and Submitted June 10, 2011—Pasadena, California Filed June 20, 2011 Before: Stephen S. Trott and Pamela Ann Rymer, Circuit Judges, and Stephen M. McNamee, Senior District Judge.* COUNSEL Lee S. Raphael, Prober & Raphael, Woodland Hills, Califor- nia, for the appellants. *The Honorable Stephen M. McNamee, Senior District Judge for the U.S. District Court for Arizona, sitting by designation. IN RE MONROY 8273 M. Erik Clark, Borowitz & Clark, LLP, West Covina, Califor- nia, for the appellees. ORDER The decisions of the Bankruptcy Courts are affirmed for the reasons given by the Bankruptcy Appellate Panel in its pub- lished opinion in In re Herrera, 422 B.R. 698 (B.A.P. 9th Cir. 2010), filed January 5, 2010 and attached as an appendix to this order.1 1 The remand issue raised by the appellants before this court is waived because it was not raised below. In re Cybernetic Servs., Inc., 252 F.3d 1039, 1045 n.3 (9th Cir. 2001). 8274 IN RE MONROY APPENDIX IN RE MONROY 8275 8276 IN RE MONROY IN RE MONROY 8277 8278 IN RE MONROY IN RE MONROY 8279 8280 IN RE MONROY IN RE MONROY 8281 8282 IN RE MONROY IN RE MONROY 8283 8284 IN RE MONROY IN RE MONROY 8285 8286 IN RE MONROY IN RE MONROY 8287 8288 IN RE MONROY IN RE MONROY 8289 8290 IN RE MONROY IN RE MONROY 8291 8292 IN RE MONROY IN RE MONROY 8293 8294 IN RE MONROY IN RE MONROY 8295 8296 IN RE MONROY IN RE MONROY 8297 8298 IN RE MONROY IN RE MONROY 8299 8300 IN RE MONROY IN RE MONROY 8301 8302 IN RE MONROY IN RE MONROY 8303 8304 IN RE MONROY IN RE MONROY 8305 8306 IN RE MONROY IN RE MONROY 8307 8308 IN RE MONROY IN RE MONROY 8309 8310 IN RE MONROY IN RE MONROY 8311 8312 IN RE MONROY IN RE MONROY 8313 8314 IN RE MONROY IN RE MONROY 8315 8316 IN RE MONROY IN RE MONROY 8317 PRINTED FOR ADMINISTRATIVE OFFICE—U.S. COURTS BY THOMSON REUTERS—SAN FRANCISCO The summary, which does not constitute a part of the opinion of the court, is copyrighted © 2011 Thomson Reuters.