Clare Trevarthen v. Nationstar Mortgage LLC

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ACCEPTED 03-15-00011-CV 4962340 THIRD COURT OF APPEALS AUSTIN, TEXAS 4/20/2015 11:51:45 PM JEFFREY D. KYLE CLERK No. 03-15-00011-CV FILED IN 3rd COURT OF APPEALS IN THE THIRD COURT OF APPEALS OF TEXAS AUSTIN, TEXAS 4/20/2015 11:51:45 PM JEFFREY D. KYLE Clerk Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 BRIEF OF APPELLANT David Rogers Texas Bar No. 24014089 Law Office of David Rogers 1201 Spyglass Suite 100 Austin, TX 78746 Firm@DARogersLaw.com ATTORNEY FOR APPELLANT ORAL ARGUMENT NOT REQUESTED Trevarthen Brief of Appellant p. i No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; PaAuction.com; mela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 BRIEF OF APPELLANT David Rogers Texas Bar No. 24014089 Law Office of David Rogers 1201 Spyglass Suite 100 Austin, TX 78746 Firm@DARogersLaw.com ATTORNEY FOR APPELLANT ORAL ARGUMENT NOT REQUESTED Trevarthen Brief of Appellant p. ii IDENTITY OF PARTIES AND COUNSEL APPELLANT: Clare Trevarthen COUNSEL: David Rogers SBN 24014089 Law Office of David Rogers 1201 Spyglass Suite 100 Austin, TX 78746 (512) 923-1836 (512) 777-5988 [Facsimile] Firm@DARogersLaw.com APPELLEES: Nationstar Mortgage LLC, Pamela Cirkiel, Auction.com, Helen G. Kinneman, Jeremiah McClain and Shamica Thomas COUNSEL: John W. Ellis B. David L. Foster Locke Lord LLP 600 Congress Avenue Suite 2200 Austin, TX 78701 (512) 305-4700 (512) 305-4800 [Facsimile] jellis@lockelord.com dfoster@lockelord.com Trevarthen Brief of Appellant p. iii TABLE OF CONTENTS Identity of Parties and Counsel……………………………………………..iii Table of Contents…………………………………………………………...iv Index of Authorities……………………………………………………........v Statement of the Case……………………………………………………….1 Statement on Oral Argument………………………………………………..3 Issues Presented……………………………………………………………..3 Argument & Authorities…..……………………………………………….13 Standard of Review…..………………………………………………........13 Prayer…….…..……………………………………………….....................18 Certificate of Service…….…..……………………………........................19 Certificate of Compliance…….…..………………………………………20 Trevarthen Brief of Appellant p. iv INDEX OF AUTHORITIES TEXAS SUPREME COURT CASES State v. Ninety Thousand Two Hundred Thirty-Five Dollars & No Cents in U.S. Currency ($90,235), 2013 Tex. LEXIS 67 (Tex. 2013)…...………13-14 King Ranch, Inc. v. Chapman, 118 S.W.3d 742 (Tex. 2003)……….….14, 15 TEXAS COURTS OF APPEAL Martin v. New Century Mortg. Co., 377 S.W.3d 79 (Tex. App. Houston 1st Dist. 2012)…………………………………………………………….14, 15 CODES Civil Practices and Remedies Code Chapter 12……….…………………..1 Texas Property Code 51.0075(e) ………………………………….………1 Texas Property Code 51.0001(3) ………………………………….………1 Texas Property Code 51.0025………………….….……………….………1 Texas Local Government Code 192.007…..……………………….………1 Texas Property Code §51.007 and 51.0001(3)…………………………….11 RULES TEX. R. APP. P. 39.1……………………………………………………….3 Trevarthen Brief of Appellant p. v TO THE HONORABLE THIRD DISTRICT COURT OF APPEALS: Appellant, Clare Trevarthen, hereby pleads that the honorable Court of Appeals reverse the judgment of the Williamson County District Court #26 and remand for further proceedings, and in support of this motion she shows the Court: Statement of the Case 1.01. Appellant is Mrs. Clare Trevarthen (hereinafter “Trevarthen” or “Appellant”). 1.02. Appellees are Nationstar Mortgage LLC (hereinafter “Nationstar”); Auction.com; Pamela Cirkiel (hereinafter “Cirkiel”); Helen G. Kinneman (hereinafter “Kinneman”); Jeremiah McClain ((hereinafter “McClain” and Shamica Thomas (hereinafter “Thomas.”) These two entities and four individuals are referred to hereinafter, collectively, as “Appellees”. 1.03. Appellant filed suit March 3, 2015 against Appellee Nationstar Mortgage LLC seeking a judgment that Appellee had violated the terms of the deed of trust, and had committed further violations of Civil Practices and Remedies Code Chapter 12, Texas Property Code 51.0075(e) and 51.0001(3) and 51.0025, Texas Local Government Code 192.007. Appellant sought a declaration that the substitute trustee’s deed executed June 13, 2011 was void. Trevarthen Brief of Appellant p. 1 1.04. On April 3, 2014 Appellant amended her petition to add Appellees Auction.com, Jeremiah McClain, Pamela Cirkiel, Shamica Thomas and Helen G. Kinneman as defendants. Appellant sought judgment that the additional defendants had committed similar violations as those committed by Nationstar and in addition committed business disparagement (Auction.com), tortuous interference with contract (Cirkiel, Thomas and McClain) and sought a declaration that the June 13, 2011 substitute trustee’s deed was void. 1.05. On August 29, 2014, Appellee Nationstar Mortgage filed its traditional and no-evidence motion for summary judgment, followed by a response by Appellant and Reply by Appellee. 1.06. On October 7, 2014, the Court heard argument by counsel for Nationstar and Clare Trevarthen, and invited additional briefing. 1.07. Clare Trevarthen’s counsel filed a sur-reply on October 7. Nationstar filed no additional briefing. 1.08. On November 10, 2014 the trial court issued its order granting summary judgment. 1.09. On December 3, 2014 Appellant filed her notice of appeal with the trial court. Trevarthen Brief of Appellant p. 2 Statement Regarding Oral Argument 2.01. Appellant believes that this brief and record adequately presents the facts and legal arguments involved in this appeal and that oral argument would not aid the decisional process significantly. See TEX. R. APP. P. 39.1. Should the Court conclude that oral argument would be helpful, however, Appellant stands ready and requests the opportunity to participate. Issues Presented 3.01. Did District Court #26 properly grant a no-evidence and traditional motion for summary judgment on all claims regarding a void foreclosure when genuine issues of material fact were disputed, including, but not limited to, the identity of the owner of the Note and Deed of Trust and the identity of the mortgage servicer? Facts 4.01. Clare Trevarthen purchased the property from the previous owner on December 27, 2006. In order to finance the purchase, Clare Trevarthen executed an interest-only Adjustable Rate Note in the original principal amount of $136,000.00 (the “Note”). The Lender on the Note was Meridias Capital, Inc., a Nevada Corporation. See Clerk’s Record at 548-552; 372- 382. See also Appendix 1, Court record, Declaration of Kristen Trompisz in Trevarthen Brief of Appellant p. 3 support of Motion for Summary Judgment filed by Locke Lord on behalf of Nationstar (as successor in the entirety to Aurora Loan Services LLC) in 11- 603-C368 in the Williamson County 368th District Court on November 5, 2013.1, 2 4.02. What happened next is unclear. That lack of clarity around material facts concerning the payments made, and the identity of parties entitled to enforce the Note and its associated Security Interest Lien makes summary judgment inappropriate. 4.03. Despite the confusion, Clare Trevarthen worked hard to clarify the situation repeatedly, by sending letters, including sending qualified written requests to various attorneys and entities that at different times held themselves out to be holders of rights in the Note. A modification agreement was reached, and at least 17 payments were made under that agreement, though apparently Appellees lost more than a dozen of those payments – payments for which Clare Trevarthen has receipts, which she presented to the Court. See Clerk’s Record 661-679, 682. 4.04. These facts are not controverted. 1 The versions vary only in their endorsements or lack of same. 2 The Court is requested, pursuant to T.R.E. 201(d) to take judicial notice of the excerpt from the prior case, not for the truth of the matter asserted, but for the fact that it was asserted. (“A Court shall take judicial notice if requested by a party and supplied with the necessary information.”) Trevarthen Brief of Appellant p. 4 4.05. The confusion about who owned what when is evidenced in the attachments to the motion for summary judgment and in the transcript of the Motion for Summary Judgment hearing. See Reporter’s Record at 18-31. See also Clerk’s Records at 544-691. 4.06. There appear to be at least three (3) “tracks” purporting to show transfers of rights in the Note and Deed of Trust, each of which is supported by different and mutually inconsistent documents in the Williamson County Records, in claims and admissions by alleged agents of alleged holders of rights, by the MERS system records, and by the alleged copy of the Note produced with the Motion for Summary Judgment, which is inconsistent in turn with the alleged copy of the Note produced by the same parties in previous litigation in the same courthouse (though a different District Court.) 4.07. Track #1 - MERS 4.08. According to MERS, as documented in its milestone report, the changes went as follows: 4.09. On 12-28-2006, Meridias Capital registered the loan. 4.010. On 2-14-2007, Meridias Capital transferred the “beneficial rights” and designated Aurora Loan Services LLC as the “new investor.” Trevarthen Brief of Appellant p. 5 4.011. On 6-18-2007, Meridias Capital transferred the “flow servicing rights” and designated Aurora Loan Services FSB as the “new servicer,” and Aurora Loan Services LLC as the “new subservicer.” 4.012. On 6-21-2007, Aurora Loan Services LLC transferred the “flow servicing rights” and designated Lehman Brothers Holdings Inc. as the “new servicer,” effective 6-20-2007. 4.013. On 7-2-2007, Aurora Loan Services LLC transferred the “beneficial rights” and designated Bank of America, National Association as trustee as the “new investor.” 4.014. On 10-15-2007 UBS Warburg Real Estate Securities Inc., designated as “warehouse” “release[d] the interim funder interests.” 4.015. On 12-10-2008, Aurora Loan Services LLC transferred the “beneficial rights” and designated ALS- Wilmington Trust Co as the “new investor.” 4.016. On 6-3-2011, Aurora Loan Services LLC transferred the “seasoned servicing rights” from Lehman Brothers Holdings Inc. to Aurora Loan Services LLC. 4.017. On 6-8-2011, Aurora Loan Services LLC reported that the foreclosure was complete as of 6-6-2011. 4.018. On 2-9-2012, Aurora Loan Services LLC reversed the foreclosure. Trevarthen Brief of Appellant p. 6 4.019. Also on 2-9-2012, Aurora Loan Services LLC reported that the new subservicer was Aurora Bank FSB. 4.020. Also on 2-9-2012, Aurora Bank FSB reported that the foreclosure was complete as of 6-7-2011. 4.021. Even if all these allegations by MERS were consistent with the available other records (and they aren’t), this trail at the very least raises the question of who foreclosed and when – and, of course, whether the party that conducted the foreclosure was empowered to do so. 4.022. Track #2 – Communication from Parties claiming the Note 4.023. This track begins, of course, with the Note itself, which was made out to Meridias Capital Inc. 4.024. This track quickly diverges from the MERS track, as it introduces Florez Consulting Company as the party that assigns the Meridias Capital servicing rights from itself (which it never had) to Aurora Loan Services on 2-16-2007. See Clerk’s Record at 387. 4.025. On 12-15-2008, Michael J. Schroeder, P.C. claims that there are two Aurora Loan Services entities with interests in the Note – one is the owner and holder and the other is the servicer. 4.026. On July 26, 2010, Aurora LLC claims to be a debt collector, and states that Lxs 2007-6 is the mortgagee. Trevarthen Brief of Appellant p. 7 4.027. By September 13, 2010, Michael J. Schroeder, P.C. claims that Aurora LLC is a mortgage servicer for MERS, that the other Aurora entity is the owner and holder, and that Michael J. Schroeder, P.C. is the substitute trustee. 4.028. Fifteen days later, on September 28, 2010, in a letter responding to a QWR (Qualified Written Request, an information request letter authorized under federal lending laws) to Aurora, Kahrl Wutscher LLP identifies the owner of the Note as LaSalle Bank National Assoc. as Trustee, and states that Aurora Loan Services FSB is the loan servicer, master servicer and/or sub-servicer of the loan. 4.029. Then, on 4-18-2011, another QWR response letter tells us that the owner of the debt is Wilmington Trust Company, in trust for Lehman XS Trsut Mortgage Pass-Through Certificates, Series 2007-6, an entity that is never mentioned or explained before or after. Moreover, there is no explanation for how Lehman XS Trsut Mortgage Pass-Through Certificates, Series 2007-6 acquired the Note, or who they acquired the Note from. 4.030. Instead of an explanation, we get an announcement in the form of the notice of substitute trustee’s sale that Aurora Loan Services, LLC is the servicer and ALS Inc. in the mortgagee on 5-3-2011. No explanation of how the Note was transferred to Aurora LLC from Wilmington or Lehman. Trevarthen Brief of Appellant p. 8 4.031. More confusion follows on the trustee’s deed, which claims that the Aurora entities have switched positions, and the LLC is now the mortgagee, and the purchaser at foreclosure. 4.032. On July 6, 2011, a month after the foreclosure, in a letter to Clare Trevarthen, Aurora Loan Services claims it was transferring the Note to Aurora Bank FSB effective July 21, 2011. See Clerk’s Record at 389-390. 4.033. Of course, if there is a Note to transfer, that necessarily concedes the continuing existence of the loan, which requires that the foreclosure not have taken place, because the price recorded on the foreclosure, $157,110.55, was equivalent to the whole amount claimed on the Note at the time. 4.034. On June 15, 2012, more than a year after the alleged foreclosure (which would have fulfilled and cancelled the Note, had it actually occurred), Aurora Bank FSB notified Clare Trevarthen that it was transferring the servicing rights on the “satisfied” loan to Nationstar Mortgage. No mention was made in that letter of the satisfaction of the Note or of any foreclosure. See Clerk’s Record at 392. 4.035. Of course, if there are servicing rights to transfer, that necessarily concedes the continuing existence of the loan, which requires that the foreclosure not have taken place, because the price recorded on the Trevarthen Brief of Appellant p. 9 foreclosure, $157,110.55, was equivalent to the whole amount claimed on the Note at the time. 4.036. Track #3 – Williamson County Public Records 4.037. This track begins not with the Note itself, which was made out to Meridias Capital Inc., but with the Deed of Trust which was recorded shortly after the contemporaneous execution of the Note, 12-29-2006. See Clerk’s Record at 437-466. 4.038. The Williamson County records, unlike the MERS and private correspondence records, show no change until the March 31, 2011 recordation of a MERS assignment of Meridias Capital’s interest to Aurora Loan Services LLC. See Clerk’s Record at 468-469. 4.039. However, the May 3, 2011 Notice of Trustee’s Sale states that Aurora Loan Services LLC is merely the mortgage servicer, and that Aurora Loan Services (presumably the Inc.) is the mortgagee. Since the names are different, repeatedly on the document, it must be assumed that the entities are also different. The Notice, then, shows some evidence of transfer of ownership between the recorded assignment and the date of the Trustee’s Sale. 4.040. This matters because Texas Property Code §51.007 and 51.0001(3) require that the mortgage servicer who sells of behalf of the mortgagee have Trevarthen Brief of Appellant p. 10 a notice sent to the mortgagor by the CURRENT mortgagee before the mortgage servicer can foreclose. If the identity of the CURRENT mortgagee changes, the power to foreclose evaporates until the new notice is sent to the mortgagor. 4.041. The public policy purpose obviously is to prevent the chaos and confusion that this case showcases. 4.042. On June 7, 2011, according the Substitute Trustee’s Deed, Aurora LLC foreclosed and bought the property itself at auction. The Trustee’s Deed is unreliable, however, as it state, among other inaccuracies, that the original Note was “payable to the order of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR NEVADA CORPORATION,” a clearly erroneous statement. See Clerk’s Record at 471-474. Compare Clerk’s Record at 548-552; 372-382. See also Appendix 1, Court record, Declaration of Kristen Trompisz in support of Motion for Summary Judgment filed by Locke Lord on behalf of Nationstar (as successor in the entirety to Aurora Loan Services LLC) in 11- 603-C368 in the Williamson County 368th District Court on November 5, 2013. All three versions of the Note3 state that the Note is payable to the order of Meridias Capital, Inc. MERS is not mentioned at all in any version 3 The versions vary only in their endorsements or lack of same. Trevarthen Brief of Appellant p. 11 of the Note, and there is no record anywhere of any payment due to, or made to, MERS in the entire history of the payments and demands on this Note. 4.043. Track #4 – The Note 4.044. This track begins, of course, with the Note itself, which was made out to Meridias Capital Inc. 4.045. The original note was of course unendorsed. 4.046. The version of the note produced in 2013 in conjunction with the MSJ was also unendorsed, though it had an unsigned stamp suggesting that it might be endorsed by Meridias Capital Inc. at some future time. 4.047. The version of the Note attached to this MSJ is endorsed in blank on the Meridias Capital stamp by a person previously undisclosed, who is identified as “AVP.” 4.048. Interestingly, Notes produced previously in response to QWRs in prior litigation are different from any of these three. The Note produced by by defendants in the prior litigation includes an allonge claiming that Calleane Wakefield of Meridias Capital specifically endorsed to Lehman Bros FSB. See Exhibit 1 attached. This is referred to on the Response to the MSJ, p. 11. See Clerk’s Record at 492. This is deliberately omitted because it conflicts with the forged and later-added endorsement by the same Trevarthen Brief of Appellant p. 12 Calleane Wakefield of Meridias Capital, which was absent from the 2013 Motion for Summary Judgment. 4.049. The allonge is not attached to the version presented with this MSJ. Trevarthen’s counsel objected to the admission of the incomplete Note at the Summary Judgment hearing. The Court admitted the document over that objection, without explanation or testimony explaining the incomplete document. See Reporter’s Record at 10-12. ARGUMENT & AUTHORITIES District Court #26 granted a summary judgment motion improperly in the face of disputed material questions of fact, including the identity of the owner and holder of the Note and Deed of Trust and the identity of the “mortgage servicer” entitled to enforce under Texas Property Code Chapter 51. 5.01. A recent Texas Supreme Court case laid out the standard for review of grants of summary judgment motions. We review a grant of summary judgment de novo. Exxon Corp. v. Emerald Oil & Gas Co., L.C., 331 S.W.3d 419, 422 (Tex. 2010). When the trial court does not specify the grounds for its ruling, a summary judgment will be affirmed if any of the grounds advanced by the motion are meritorious. FM Props. Operating Co. v. City of Austin, 22 S.W.3d 868, 872-73 (Tex. 2000). A party moving for traditional summary judgment has the burden to prove that there is no genuine issue of material fact and it is entitled to judgment as a matter of law. TEX. R. Trevarthen Brief of Appellant p. 13 CIV. P. 166a(c); Mann Frankfort Stein & Lipp Advisors, Inc. v. Fielding, 289 S.W.3d 844, 848 (Tex. 2009). The non-movant has no burden to respond to or present evidence regarding the motion until the movant has carried its burden to conclusively establish the cause of action or defense on which its motion is based. M.D. Anderson Hosp. & Tumor Inst. v. Willrich, 28 S.W.3d 22, 23 (Tex. 2000) (per curiam). State v. Ninety Thousand Two Hundred Thirty-Five Dollars & No Cents in U.S. Currency ($90,235), 2013 Tex. LEXIS 67, 8-9 (Tex. 2013) 5.02. The no-evidence standard is slightly different. Because King Ranch's summary judgment motion was, in part, a no-evidence motion, we consider the evidence in the light most favorable to the non-movant. Wal-Mart Stores, Inc. v. Rodriguez, 92 S.W.3d 502, 506, 46 Tex. Sup. Ct. J. 21 (Tex. 2002); Johnson v. Brewer & Pritchard, P.C., 73 S.W.3d 193, 208, 45 Tex. Sup. Ct. J. 470 (Tex. 2002). A no-evidence summary judgment is essentially a pretrial directed verdict, and we apply the same legal sufficiency standard in reviewing a no- evidence summary judgment as we apply in reviewing a directed verdict. See, e.g., Valero Mktg. & Supply Co. v. Kalama Int'l, 51 S.W.3d 345, 350 (Tex. App.-Houston [1st Dist.] 2001, no pet.); Blackburn v. Columbia Med. Ctr. Of Arlington Subsidiary, 58 S.W.3d 263, 270 (Tex. App.-Fort Worth 2001, pet. denied); Mansfield v. C.V. Bent Tree Apartment, L.P., 37 S.W.3d 145, 149 (Tex. App.-Austin 2001, no pet.); Espalin v. Children's Med. Ctr., 27 S.W.3d 675, 683 (Tex. App.-Dallas 2000, no pet.); Barraza v. Eureka Co., 25 S.W.3d 225, 231 (Tex. App.-El Paso 2000, pet. denied); Moore v. K Mart Corp., 981 S.W.2d 266, 269 (Tex. App.-San Antonio 1998, pet. denied). Accordingly, we review the evidence in the light most favorable to the non-movant, disregarding all contrary evidence and inferences. Merrell Dow Pharms., Inc. v. Havner, 953 S.W.2d 706, 711, 40 Tex. Sup. Ct. J. 846 (Tex. 1997). "A no evidence point will be sustained when (a) there is a complete absence of evidence of a vital fact, (b) the court is barred by rules of law or of evidence from giving weight to the only Trevarthen Brief of Appellant p. 14 evidence offered to prove a vital fact, (c) the evidence offered to prove a vital fact is no more than a mere scintilla, or (d) the evidence conclusively establishes the opposite of the vital fact." Id. (citing Robert W. Calvert, "No Evidence" and "Insufficient Evidence" Points of Error, 38 TEX. L. REV. 361, 362-63 (1960)). Thus, a no-evidence summary judgment is improperly granted if the respondent brings forth more than a scintilla of probative evidence to raise a genuine issue of material fact. TEX. R. CIV. P. 166a(i); Wal-Mart, 92 S.W.3d at 506. Less than a scintilla of evidence exists when the evidence is "so weak as to do no more than create a mere surmise or suspicion" of a fact. Kindred v. Con/Chem, Inc., 650 S.W.2d 61, 63, 26 Tex. Sup. Ct. J. 383 (Tex. 1983). More than a scintilla of evidence exists when the evidence "rises to a level that would enable reasonable and fair-minded people to differ in their conclusions." Merrell Dow Pharms., 953 S.W.2d at 711. King Ranch, Inc. v. Chapman, 118 S.W.3d 742, 750-751 (Tex. 2003) 5.03. Additionally, a no-evidence challenge must be specific about what areas there is no evidence for. "A no-evidence challenge that only generally challenges the sufficiency of the non-movant's case and fails to state specific elements is fundamentally defective and insufficient to support summary judgment as a matter of law." Mott v. Red's Safe & Lock Servs., Inc., 249 S.W.3d 90, 98 (Tex. App.—Houston [1st Dist.] 2007, no pet.). However, the homeowners did not bring any defect in the motion to the attention of the trial court and, more importantly, do not claim on appeal that the motion failed to comply with the specificity requirement. Roehrs v. FSI Holdings, Inc., 246 S.W.3d 796, 805 (Tex. App.—Dallas 2008, pet. denied) (noting that defect in no evidence motion for summary judgment may be raised for first time on appeal, but declining to consider issue where parties did not raise defect before appellate court); cf. Kahng v. Verity, No. 01-07-00695- CV, 2008 Tex. App. LEXIS 5775, 2008 WL 2930195 (Tex. App.—Houston [1st Dist.] July 31, 2008, no pet.) (assuming without deciding that complaint that no-evidence summary Trevarthen Brief of Appellant p. 15 judgment was facially defective was preserved for review). Martin v. New Century Mortg. Co., 377 S.W.3d 79, 85 (Tex. App. Houston 1st Dist. 2012) 5.04. In this grant of summary judgment, the primary question is “did Aurora Loan Services, LLC have the power to foreclose on July 7, 2011?” A second, important question, on which the sole witness for Nationstar Mortgage, Kristen Trompisz apparently perjured herself,4 is what is the relationship between Aurora and Nationstar, and does Nationstar actually have any rights in this property at all. 5.05. In order to answer that question, the Court must discern who owned the Note on that date, who held the Note on that date, to whom the Deed of Trust was assigned, and, if Aurora claimed to foreclose through a “mortgage servicer” power under Texas Property Code § 51.007, was Aurora a party properly endowed with that power on that date by the owner and holder of the Note? 5.06. The answer to all those questions is no, and there is “more than a scintilla of probative evidence to raise a genuine issue of material fact.” 4 The most generous explanation for her conflicting testimony is that she is horribly confused about the most basic facts about her employer. In any event, the testimony in her two affidavits about this property and these companies, given less than a year apart, and presented by the same lawyers and the same law firm absolutely conflicts. Given the unreliability of the conflicting statements, and the lack of explanation for those conflicts, the testimony of this witness of this vital point must be disregarded. Trevarthen Brief of Appellant p. 16 5.07. There is, admittedly, some evidence in each direction, and it is possible that at a bench trial or a jury trial, a fact-finder might conceivably weigh the evidence and decide as the trial court did. But that is not the function of a motion for summary judgment. A motion for summary judgment is for deciding cases where there are no disputed material facts. It is impossible to review the evidence before the trial court, including the many various and contradictory admissions by parties other than the Plaintiff claiming to have rights and interests and the power to transfer rights and interests, and find that there is no question of the material facts. 5.08. Even the attorney for Nationstar Mortgage could not be certain at the hearing which entity was which – in no small part because three entities are named Aurora – Aurora Loan Services Inc, Aurora Loan Services LLC, and Aurora Bank FSB. See Reporter’s Record at 13, line 23 to 14, line 6. 5.09. In summary, there is more than sufficient evidence attached to the response to the motion for summary judgment to raise a scintilla of evidence, and that evidence in the form of an affidavit from Defendant’s primary witness is utterly unreliable and must be discarded. In fact, the evidence produced by Defendants alone creates salient fact issues, as the two notices of transfer of the rights in the Note after the alleged foreclosure date indicate that neither Aurora FSB or LLC nor Nationstar believed that there Trevarthen Brief of Appellant p. 17 had been a foreclosure, as such a foreclosure would have extinguished the Note, and there would have been no servicing rights in the Note to transfer. In view of these facts, it was clear error for the trial court to grant summary judgment. PRAYER Appellant Trevarthen respectfully requests that, as disputed issues of material fact remain to be resolved, this Court reverse the no-evidence and traditional summary judgment of the District Court in all things and remand for further action consistent with its opinion. RESPECTFULLY SUBMITTED, __/s/ David Rogers_____________ DAVID ROGERS Law Office of David Rogers State Bar No. 24014089 1201 Spyglass Drive, Suite 100 Austin, TX 78746 (512) 923-1836 (512) 201-4082 (fax) DARogers@aol.com Trevarthen Brief of Appellant p. 18 CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of the foregoing Appellant’s Brief was served upon counsel of record for Appellees on this 20th day of April, 2015 via this Court’s online filing system. B. David L. Foster Locke Lord LLP 600 Congress Avenue Suite 2200 Austin, TX 78701 (512) 305-4700 (512) 305-4800 [Facsimile] dfoster@lockelord.com __/s/__David Rogers___________ David Rogers SBN 24014089 Law Office of David Rogers 1201 Spyglass Suite 100 Austin, TX 78746 (512) 923-1836 (512) 777-5988 [Facsimile] Firm@DARogersLaw.com Trevarthen Brief of Appellant p. 19 CERTIFICATE OF COMPLIANCE Pursuant to Texas Rule of Appellate Procedure 9.4(i), I hereby certify that this document contains 3,909 words. __/s/__David Rogers___________ David Rogers SBN 24014089 Law Office of David Rogers 1201 Spyglass Suite 100 Austin, TX 78746 (512) 923-1836 (512) 777-5988 [Facsimile] Firm@DARogersLaw.com Trevarthen Brief of Appellant p. 20 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX David Rogers Texas Bar No. 24014089 Law Office of David Rogers 1201 Spyglass Suite 100 Austin, TX 78746 Firm@DARogersLaw.com ATTORNEY FOR APPELLANT No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 1 Judgment of the Trial Court CR page 729-730 ITEM 2 Endorsed Adjustable Rate Note CR page 372-382 ITEM 3 Unendorsed Adjustable Rate Note CR page 548-552 ITEM 4 Declaration of Clare Trevarthen CR page 661-679 ITEM 5 Additional Declaration of Clare Trevarthen CR page 682 ITEM 6 Notice of Assignment, Sale, or Transfer CR page 387 ITEM 7 Letter to Clare Trevarthen July 8, 2011 CR page 389-390 ITEM 8 Letter to Clare Trevarthen June 15, 2012 CR page 392 ITEM 9 Corporate Assignment of Deed of Trust CR page 468-469 ITEM 10 Substitute Trustee’s Deed CR page 471-474 ITEM 11 Notice of Appeal CR page 731-737 ITEM 12 Excerpts from hearing October 7, 2014 RR page 18-31 ITEM 13 Declaration of Kristen Trompisz ITEM 14 Exhibit chart ITEM 15 Allonge to Promissory Note No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 1 ITEM 1 Judgment of the Trial Court CR page 729-730 729 730 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 2 ITEM 2 Endorsed Adjustable Rate Note CR page 372-382 MIN: 100256014000672964 Loan Number: REDACTED 7296 ADJUSTABLE RATE NOTE (LIBOR Six-Month Index (As Published In The Wall Street Journal)-Rate Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. DECEMBER 27, 2006 SALT LAKE CITY UTAH [Date] [City] [State] 1202 MAHOGANY LANE, CEDAR PARK, TEXAS 78613 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 136,000.00 (this amount is called "Principal"), plus interest, to the order of Lender. Lender is MER I D IAS CAPITAL , INC . , A NEVADA CORPORATION I will make all payments under this Note in the form of cash, check or money order. I understand that Lender may transfer this Note. Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 7.250 %. The interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payments on the 1st day of each month beginning on FEBRUARY 1 , 2007 . I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on JANUARY 1, 2037 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at DEPT . 9664 , LOS ANGELES , CALIFORNIA 90084-9664 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ 927.76 . This amount may change. ** See attached Interest Only Note Addendum. (C) Monthly Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. MULTISTATE ADJUSTABLE RATE NOTE--LIBOR SIX-MONTH INDEX Form 3520 1/01 (AS PUBLISHED IN THE WALL STREET JOURNAL)--Single Family DocMagicEMMO 800-649-1362 Fannie Mae MODIFIED INSTRUMENT Page 1 of 5 www.docmagic.com 372 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 1st day of JANUARY , 2012 , and on that day every 6th month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in The Wall Street Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding TWO AND 750/1000 percentage points ( 2 . 750 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 13 . 250 % or less than 7 . 250 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than TWO AND 000/1000 percentage point(s) ( 2 . 000 %) from the rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 13.250 %. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY ** See attached Prepayment Note Addendum. I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. I may make a full Prepayment or partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of this Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. MULTISTATE ADJUSTABLE RATE NOTE--LIBOR SIX-MONTH INDEX Form 3520 1/01 (AS PUBLISHED IN THE WALL STREET JOURNAL)--Single Family - - DocMagicmmic2 800 649 1362 Fannie Mae MODIFIED INSTRUMENT Page 2 of 5 www.docmagic.com 373 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5 . 0 0 0 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal that has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. MULTISTATE ADJUSTABLE RATE NOTE--LIBOR SIX-MONTH INDEX Form 3520 1/01 (AS PUBLISHED IN THE WALL STREET JOURNAL)--Single Family DocMagicAM-oorm 800-649-1362 Fannie Mae MODIFIED INSTRUMENT Page 3 of 5 www.docmagic.com 374 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses that might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. MULTISTATE ADJUSTABLE RATE NOTE--LIBOR SIX-MONTH INDEX Form 3520 1/01 (AS PUBLISHED IN THE WALL STREET JOURNAL)--Single Family DocMagicemmw 800-649-1362 Fannie Mae MODIFIED INSTRUMENT Page 4 of 5 www.docmagic.com 375 WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. C_Aap-sz._ kte-kica_A--en (Seal) (Seal) CLARE TREVARTHEN -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower PAY TO THE ORDER OF: WITHOUT RECOURSE MERIDI PITAL, INC , N lORATION BY: ITS : Calleane [Sign Original Only] MULTISTATE ADJUSTABLE RATE NOTE--LIBOR SIX-MONTH INDEX Form 3520 1/01 (AS PUBLISHED IN THE WALL STREET JOURNAL)--Single Family DocMagiceRorm.3 800-649-1362 Fannie Mae MODIFIED INSTRUMENT Page 5 of 5 www.docmagic.com 376 PREPAYMENT ADDENDUM TO NOTE REDACTED Loan Number: 72 9 6 Date: DECEMBER 2 7, 2 0 0 6 Borrower(s): CLARE TREVARTHEN THIS PREPAYMENT ADDENDUM TO NOTE (the "Addendum") is made this 2 7th day of DECEMBER, 2006 , and is incorporated into and shall be deemed to amend and supplement that certain promissory note (the "Note") made by the undersigned ("Borrower") in favor of MERIDIAS CAPITAL, INC . , A NEVADA CORPORATION ("Lender") and dated the same date as this Addendum. Repayment of the Note is secured by a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") given by Borrower in favor of Lender and dated the same date as this Addendum. To the extent that the provisions of this Addendum are inconsistent with the provisions of the Note, the provisions of this Addendum shall supersede the inconsistent provisions of the Note. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Note, Borrower and Lender further covenant and agree as follows: Section 5 of the Note is amended to read in its entirety as follows: 5 . BORROWER'S RIGHT TO PREPAY; PREPAYMENT CHARGE I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under the Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly payment unless the Note Holder agrees in writing to those changes. If the Note contains provisions for a variable interest rate, my partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. If this Note provides for a variable interest rate or finance charge, and the interest rate or finance charge at any time exceeds the legal limit under which a Prepayment penalty is allowed, then the Note Holder's right to assess a Prepayment penalty will be determined under applicable law. If within THIRTY - SIX ( 3 6 ) months from the date the Security Instrument is executed I make a full Prepayment or one or more partial Prepayments, and the total of all such Prepayments in any 12-month period exceeds twenty percent (20%) of the original Principal amount of the loan, I will pay a Prepayment charge in an amount equal to SIX ( 6 months' advance interest on the amount by which the total of my Prepayments within any 12-month period exceeds twenty percent (20%) of the original Principal amount of the loan. MULTISTATE PREPAYMENT ADDENDUM TO NOTE - SPP DocMagic eX ,ruirog5 800-649-1362 6/03 Page 1 of 2 www.docmagic.com 377 Notwithstanding the foregoing provisions, I may make a full Prepayment without paying a Prepayment charge in connection with a bona fide and arms-length sale of all or any part of, or any legal or beneficial interest in, the Property after the first 0 months of the term of the Note. The phrase "bona fide and arms-length sale" means a sale in which all of the parties involved in the transaction, including without limitation, the buyer, seller, lender, real estate agent or broker, are independent of one another and unrelated by familial or financial interests. I agree to provide the Note Holder with any and all evidence reasonably requested by the Note Holder to substantiate that the sale of the Property is bona fide and arms-length. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Addendum. C.Acii--0 -Tieva.A...4-Kn la-aDateS-o6 Borrower Date Borrower CLARE TREVARTHEN Borrower Date Borrower Date Borrower Date Borrower Date MULTISTATE PREPAYMENT ADDENDUM TO NOTE - SPP DocMagiceNWIYAO 800-649-1362 6/03 Page 2 of 2 www.docmagic.com 378 REDACTED Loan Number: 7296 ADDENDUM TO NOTE This addendum is made DECEMBER 27 , 2006 and is incorporated into and deemed to amend and supplement the Adjustable Rate Note of the same date. The property covered by this addendum is described in the Security Instrument and located at: 1202 MAHOGANY LANE, CEDAR PARK, TEXAS 78613 AMENDED PROVISIONS In addition to the provisions and agreements made in the Note, I/we further covenant and agree as follows: ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 13.250 % or less than 7.250 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more than TWO AND 000/1000 percentage point(s) ( 2.000 %) from the rate of interest I have been paying for the preceding six (6) months. My interest rate will never be greater than 13.250 %. My interest rate will never be less than 7.250 %. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses that might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. LIBOR ADDENDUM TO NOTE DocMagiceRgum 800-649-1362 FORM 1201 1-01 Page 1 of 2 www.docmagic.com 379 In Witness Thereof, Trustor has executed this addendum. Witness Cio...Q k te).c.,L,-i-k.Qn/ Borrower Signature CLARE TREVARTHEN Date ta-al:t.-06 Borrower Signature Date Borrower Signature Date Borrower Signature Date Borrower Signature Date Borrower Signature Date LIBOR ADDENDUM TO NOTE DocMagicegcamv 800-649-1362 FORM 1201 1-01 Page 2 of 2 www.docmagic.com 380 INTEREST-ONLY ADDENDUM TO ADJUSTABLE RATE PROMISSORY NOTE REDACTED Loan Numbe 67296 Property Address: 1202 MAHOGANY LANE, CEDAR PARK, TEXAS 78613 THIS ADDENDUM is made this 27th day of DECEMBER 2006 , and is incorporated into and intended to form a part of the Adjustable Rate Note (the "Note") dated the same date as this Addendum executed by the undersigned and payable to MERIDIAS CAPITAL, INC . , A NEVADA CORPORATION (the Lender). THIS ADDENDUM supersedes Sections 3(A), 3(B), 4(C) and 7(A) of the Note. None of the other provisions of the Note are changed by this Addendum. 3. PAYMENTS (A) Time and Place of Payments I will pay interest by making payments every month for the first 120 payments (the "Interest-Only Period") in the amount sufficient to pay interest as it accrues. I will pay principal and interest by making payments every month thereafter for the next 240 payments in an amount sufficient to fully amortize the outstanding principal balance of the Note at the end of the Interest-Only Period over the remaining term of the Note in equal monthly payments. I will make my monthly payments on the first day of each month beginning on FEBRUARY 1, 2007 . I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before principal. If, on JANUARY 1, 2037 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my payments at DEPT . 9664 , LOS ANGELES , CALIFORNIA 90084 -9664 , or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ 821. 67 . This payment amount is based on the original principal balance of the Note. This payment amount may change. 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding TWO AND 750/1000 percentage point(s) ( 2 . 750 %) to the Current Index for such Change Date. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D), this rounded amount will be my new interest rate until the next Change Date. During the Interest-Only Period, the Note Holder will then determine the amount of the monthly payment that would be sufficient to repay accrued interest. This will be the amount of my monthly payment until the earlier of the next Change Date or the end of the Interest-Only Period unless I make a voluntary prepayment of principal during such period. If I make a voluntary prepayment of principal during the Interest-Only Period, my payment amount for subsequent payments will be reduced to the amount necessary to pay interest at the then current interest rate on the lower principal balance. At the end of the Interest-Only Period and on each Change Date thereafter, the INTEREST-ONLY ADDENDUM TO ADJUSTABLE RATE PROMISSORY NOTE DocMagicaocomo 800-649-1362 FORM 603E 03/03/03 Page 1 of 2 www.docmagic.com 381 Note Holder will determine the amount of the monthly payment that would be sufficient to repay in full the unpaid principal that I am expected to owe at the end of the Interest-Only Period or Change Date, as applicable, in equal monthly payments over the remaining term of the Note. The result of this calculation will be the new amount of my monthly payment. After the end of the Interest-Only Period, my payment amount will not be reduced due to voluntary prepayments. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5 . 0 0 0 % of my overdue payment of interest during the Interest-Only Period, 5 . 0 0 0 % of my overdue payment of principal and interest thereafter. I will pay this late charge promptly but only once on each late payment. CJG)- Borrower Q- \te.)(:k)1/4-4-KQ,IN k 2728-0(0 Date Borrower Date CLARE TREVARTHEN Borrower Date Borrower Date Borrower Date Borrower Date INTEREST-ONLY ADDENDUM TO ADJUSTABLE RATE PROMISSORY NOTE 800-649-1362 FORM 603E 03/03/03 Page 2 of 2 www.docmagic.com 382 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 3 ITEM 3 Unendorsed Adjustable Rate Note CR page 548-552 548 549 550 551 552 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 4 ITEM 4 Declaration of Clare Trevarthen CR page 661-679 661 662 663 664 665 666 667 668 669 670 671 672 673 674 675 676 677 678 679 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 5 ITEM 5 Additional Declaration of Clare Trevarthen CR page 682 682 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 6 ITEM 6 Notice of Assignment, Sale, or Transfer CR page 387 REPRESENTATION OF PRINTED DOCUMENT AURORA LOAN SERVICES February 16, 2007 NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF SERVICING RIGHTS 3640123814186534WEL021607 RE: Fiorez Consulting Company 83002 0002881 001 Loan 9 REDACTED7296 CLARE TREVARTHEN Aurora Loan Services 1204 CEDAR PARK DRIVE Loan # REDACTED 4188 CEDAR PARK TX 78613 Dear Borrower(s): This letter Is to notify you that the servicing of your mortgage loan Is being assigned, sold or transferred from Florez Consulting Company ("Florez Consulting Company") to Aurora Loan Services ("Auroral, effective March 01, 2007. The transfer of your mortgage loan to Aurora includes the right to collect payments from you. The assignment, sale or transfer of [he servicing of the mortgage loan does not affect any term or condition of the mortgage Instruments, other than terms directly related to the servicing of your loan. Except In limited circumstances, the law requires that your present servicer send you this notice at least 15 days before the affective dale of transfer, or at closing. Your new servicer must also send you this notice no later than 15 days after this effective data or at dosing. Your present servicer is Florez Consulting Company. If you have any questions relating to the transfer of servicing from your present servicer call Florez Consulting Company's Nick Florez at 702-938-6800. This is a collect .11 number. Beginning March 01, 2007, your new servicer wit be Aurora Loan Services. The business address and toll-free telephone numbers for your new servicer are: Aurora Loan Services Aurora Loan Services Aurora Loan Services Customer Service Department Tax Department Insurance Canter P.O. Box 1706 P.O. Box 961233 P.O. Box 2963 Scottsbluff, NE 89363-1706 Fort Worth, TX 78161-0233 Phoenix, AZ 85062-2963 1 (800) 550-0508 1 (800) 550-0508 1 (800) 732-6578 6:00 A.M. to 7:00 P.M., MT 8:00 A.M. to 5:00 P.M., MT 6:00 A.M. to 8:00 P.M., MT Monday through Friday Monday through Friday Monday through Friday 8:00 A.M. to 12:00 P.M., MT Saturday If you have any questions relating to the transfer of servicing to your new servicer, please call the numbers listed above. Please note the change of your loan number listed above and reference this loan number on all tax and Insurance bills and any correspondence to Aurora. The date that Florez Consulting Company will stop accepting payments from you is February 28, 2007. The date that Aurora will begin accepting payments from you is March 01, 2007. Send all payments due on or after that dale to Aurora Loan Services. If you have been paying premiums for life, disability, accidental death insurance or other optional products, these policies will not transfer to Aurora. If you desire to continue your optional coverage, you can contact your optional Insurance provider and discuss the possibDity of remitting your premium directly. You should also be aware of the following Information, which is set out In more detail In Section 6 of the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 26051 During the 60-dayperlod following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be imposed on you. Secton 6 of RESPA (12 U.S.0 2605), gives you certain consumer rights. If you send a "qualified written request" to your loan servicer con.ming the servicing of your loan, your servicer must provide you with a written acknowledgement within 20 Business Days of receipt of your requesL A "qualified written request" is a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which Includes your name and account number, and your reasons for the request. If you want to send a "qualified written request" regarding the servicing of your loan, 6 must be sent to this address: Aurora Loan Services Attention: Customer Service Research P.O. Box 1706 Scottsbluff, NE 69363-1706 ...CONTINUED ON REVERSE SIDE.** DETACH AND RETURN BOTTOM PORTION ACCOUNTI PAYMENT AMOUNT NUMBER'S DUE REDACTED CLARE TREVARTHEN t Remit U.S. funds payable lo Aurora Loan Services Include your loan number on your check Additional Principal Additional Escrow Late Charges/Fees AURORA LOAN SERVICES Other ATTN: CASHIERING P.O. BOX 78111 Amount Enclosed PHOENIX AZ 85062-8111 LI Please check here W mailing address, telephone number or email have recently changed and complete form on reverse side. INTERNET REPRINT 387 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 7 ITEM 7 Letter to Clare Trevarthen July 8, 2011 CR page 389-390 REPRESENTATION OF PRINTED DOCUMENT E Aurora • Loa n SOrvICe8 AuroroBank FSB July 6, 2011 6-704-54070-0010680-001-01-000-100-000-000 CLARE TREVARTHEN 1204 CEDAR PARK DR CEDAR PARK TX 78613-2136 Aurora Loan Services LLC Mortgage Loan Account Number: 4188 REDACTED Aurora Bank FSB Mortgage Loan Account Number. REDACTED 14188 Dear Customer(s): Aurora Loan Services LLC (Aurora Loan Services) and Aurora Bank FSB (Aurora Bank), want to take this opportunity to say "Thank You" and "Welcome? Effective July 21, 2011, your mortgage loan servicing will be transferred from Aurora Loan Services to our parent company, Aurora Bank. This transfer does not affect the terms or conditions of your loan documents other than the terms directly related to the servicing of your loan. You will keep the same mortgage loan account number, the same access to the web site, and the same service that you experienced previously with Aurora Loan Services. Also, additional Information regarding this change can be found on in the FAQ section. In an effort to make this transfer as smooth as possible for you, below please find a brief list of important updates. Please take a moment to review this information, as it may answer many of your questions. Regarding Your Mortgage Statements, Payments, and Optional Products 1. Aurora Bank will start accepting payments on July 21, 2011. Starting on that date, all future or past due payments should be sent to Aurora Bank at the same address to which you previously sent payments (noted below). Please always include your Aurora Bank mortgage loan account number on your check and make it payable to: Aurora Bank FSB. Every month you will receive a detailed statement from Aurora Bank reflecting all your activity and key financial data. Your first monthly Mortgage Account Statement will arrive in August. 2. If you made payment(s) to Aurora Loan Services and any payment(s) was received on or after July 21, 2011, it will be processed by Aurora Bank. Because your mortgage loan account number and address to which you are sending your mortgage loan account payments are not changing, we don't anticipate any delay in processing your payment due to this transfer of servicing. 3. If Aurora Loan Services Is currently automatically drafting your monthly payment from your bank account, Aurora Bank will continue this service for you. If you would like to discontinue your automatic drafting arrangement, please contact Aurora Bank at the phone number or address listed below. 4. If your payment is issued by a third party, or if you make your payment through a bill pay or online service, or if your mortgage payment is drafted biweekly through a third party provider, please take the appropriate action to change the name of your mortgage loan servicer from Aurora Loan Services to Aurora Bank. Because your payment address and account number are not changing, only the name needs to be changed with your bill pay/payment drafting service. 5. In January 2012, in addition to your monthly statement, you will receive an Annual Statement from Aurora Bank listing all payments on your account during 2011, including payments made to Aurora Loan Services. This Annual Statement will report the amount of interest and real estate taxes you paid during 2011. B. If your monthly payment Includes the collection of optional insurance premiums and/or membership fees, Aurora Bank will continue to collect your monthly premiums and/or membership fees and remit them to the appropriate provider(s). 7. If you previously provided information or documentation to Aurora Loan Services in support of your request for a possible loan modification under the federal government's Home Affordable Modification Program ("HAMP") or you have been established on a HAMP Trial Period Plan, Aurora Loan Services will be transferring all your documentation to Aurora Bank. Prior to July 21, 2011, you should continue to make your monthly Trial Period Plan payments to Aurora Loan Services. On or after July 21, 2011, you should make all Trial Period Plan payments to Aurora Bank, until such time that you are provided additional direction. Prior to July 21, 2011, approval decisions regarding your request for a possible HAMP loan modification will be made by Aurora Loan Services. On or after July 21, 2011, approval decisions regarding your HAMP loan modification request will be made by Aurora Bank. 8. If you previously provided information and documentation In support of your request for approval of other possible loss mitigation options (including a loan modification, repayment agreement, forbearance agreement, short sale, or deed-in-lieu of foreclosure) Aurora Loan Services will be transferring all of your documentation to Aurora Bank. Prior to July 21, 2011, approval decisions regarding your request for other possible loss mitigation options will be made by Aurora Loan Services. On or after July 21, 2011, approval decisions regarding your loss mitigation option request will be made by Aurora Bank. How to Contact Us Should you have questions, here are the applicable mailing addresses, toll-free numbers and hours of operation. CONTACT YOUR PRESENT SERVICER, Aurora Loan Services LLC, PRIOR TO July 21, 2011: CUSTOMER SERVICE: 1-800-550-0508 8:00 a.m. to 11:00 p.m. (ET) Monday through Thursday, 8:00 a.m. to 9:00 p.m. (ET) Friday, 8:00 a.m. to 4:00 p.m. (ET) Saturday CONTACT YOUR NEW SERVICER, Aurora Bank FSB, ON OR AFTER July 21, 2011: CUSTOMER SERVICE: 1-800-550-0508 8:00 a.m. to 11:00 p.m. (ET) Monday through Thursday, 8:00 am. to 9:00 p.m. (ET) Friday, 8:00 a.m. to 4:00 p.m. (ET) Saturday SEND PAYMENTS TO: Aurora Bank FSB P.O. Box 78111 Phoenix, AZ 85062-8111 We Look Forward to Serving You We greatly appreciate the trust you have placed In us. Aurora Loan Services would like to extend a sincere "thank you" for the opportunity to serve you, and from Aurora Bank comes a genuine "welcome." Sincerely, Sincerely, Cassie Leet, VP Customer Service Pam Pedersen, VP Loan Transfer Aurora Loan Services LLC Aurora Bank FSB Enclosure: Aurora Bank FSB Privacy Notice Important Information on reverse side of this letter INTERNET REPRINT 389 REPRESENTATION OF PRINTED DOCUMENT When you provide a check, you authorize us to use Information from your check to make a one-time electronic fund transfer from your account. If we use your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The following Notice Is required by Section 6 of the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. Section 2605) NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF SERVICING RIGHTS You are hereby notified that the servicing of your mortgage loan, that is, the right to collect payments from you, is being assigned, sold or transferred from Aurora Loan Services LLC to Aurora Bank FSB, effective July 21, 2011. The assignment, sale or transfer of the servicing of your mortgage loan does not affect any terms or conditions of the mortgage Instruments, other than terms directly related to the servicing of your loan. Except in limited circumstances, the law requires that your present servicer send you this notice at least 15 days before the effective date of transfer, or at closing. Your new servicer must also send you this notice no later than 15 days after this effective date or at closing. In this case, all necessary Information is combined in this one notice. Your present servicer Is Aurora Loan Services LLC. If you have any questions relating to the transfer of servicing from your present servicer, please call Aurora Loan Services Customer Service Department toll free at 1-800-550-0508 6:00 am. to 11:00 p.m. (ET) Monday through Thursday 8:00 a.m. to 9:00 pm. (ET) Friday 8:00 a.m. to 4:00 p.m. (ET) Saturday Your new servicer will be Aurora Bank FSB. The business address for your new servicer Is the same address you previously used for Aurora Loan Services and is: Aurora Bank FSB ATTN: Customer Service P.O. Box 1706 Scottsbluff, NE 69361-1706 The toll-free telephone number of your new servicer is the same toll free number as you previously used for Aurora Loan Services and is 1-800-550-0508. If you have any questions relating to the transfer of servicing to your new servicer call Customer Service at 1-800-550- 0508. The date that your present servicer will stop accepting payments from you is July 20, 2011. The date that your new servicer will start accepting payments from you Is July 21, 2011. Send all payments due on or after that date to your new servicer, The transfer of servicing rights may affect the terms of, or the continued availability of any optional insurance coverage or other membership products. If your monthly payment includes the collection of optional Insurance premiums and/or membership fees Aurora Bank will continue to collect your monthly premiums and/or membership fees and remit them to the appropriate provider(s). You should also be aware of the following information, which is set out in more detail in Section 6 of the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 2605): During the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be Imposed on you. Section 6 of RESPA (12 U.S.C. 2605) gives you certain consumer rights. If you send a "qualified written request" to your loan servicer concerning the servicing of your loan, your servicer must provide you with a written acknowledgment within 20 Business Days of receipt of your request. A "qualified written request" is a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which includes your name and account number, and your reasons for the request. If you want to send a "qualified written request" regarding the servicing of your loan, it must be sent to: PRIOR TO July 21, 2011: ON OR AFTER July 21, 2011: Aurora Loan Services LLC Aurora Bank FSB ATTN: CUSTOMER RESEARCH ATTN: CUSTOMER RESEARCH P.O. Box 1706 P.O. Box 1706 Scottsbluff, NE 69361-1706 Scottsbluff, NE 69361-1706 Not later than 60 Business Days after receiving your request, your servicer must make any appropriate corrections to your account and must provide you with a written clarification regarding any dispute. During this 60 Business Day period, your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such period or qualified written request. However, this does not prevent the servicer from initiating foreclosure if proper grounds exist under the mortgage documents. A Business Day is a day on which the offices of the business entity are open to the public for carrying on substantially all of its business functions. Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstances where servicers are shown to have violated the requirements of that Section. You should seek legal advice if you believe your rights have been violated. INTERNET REPRINT 390 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 8 ITEM 8 Letter to Clare Trevarthen June 15, 2012 CR page 392 REPRESENTATION OF PRINTED DOCUMENT FA Aurora Bank. June 15, 2012 3640123814188534GDB061512 68569 D003318 001 CLARE TREVARTHEN clo David Rogers RE: Aurora Bank FSB 2525 Wa!Dogwood Drive, Ste 600 Austin TX 78746 Loan tt REDACTED 4188 Natlonstar Mortgage LLC Loan # 2692 REDACTED Dear Customer(s): You are hereby notified that the servicing of your loan, that Is, the right to collect payments from you, Is being transferred from Aurora Bank FSB (Aurora Bank) to Nationstar Mortgage LLC effective July 1, 2012. The assignment, sale or transfer of the servicing of the loan does not affect any terms or conditions of the loan Instruments, other than terms directly related to the servicing of your loan. Questions relating to the transfer of servicing from Aurora Bank before July 1, 2012 should be directed to Aurora Bank Customer Service Department at 1-800-550-0508 between 8:00 AM and 11:00 PM, Eastern Time Monday through Thursday, 8:00 AM to 9:00 PM ET Friday, and 8:00 AM to 4:00 PM ET Saturday. If you have questions relating to your loan after June 30, 2012, please contact Natlonstar Mortgage LLC's Customer Service. The business address, toil-free telephone number and customer service hours for Natlonstar Mortgage LLC are: Natlonstar Mortgage LLC Customer Service 350 Highland Drive Lewim4ite, Texas 75067 1-877-372-0512 Ext 95 8:00 AM to 8:00 PM CT, Monday through Thursday 8:00 AM to 5:00 PM CT, Friday Effective July 1, 2012, please make your checks payable to Natlonstar Mortgage LLC and mall to the address below. Aurora Bank will forward any payments or correspondence received after June 30, 2012 to Natlonstar Mortgage LLC for processing. If your payments are currently paid through an automate deduction from your checking or savings account, this service will continue uninterrupted. Natlonstar Mortgage LLC Alin: Payment Processing P.O. Bur 650783 Dallas, Texas 75265-0783 If you are currently making your loan payment through government allotment Or have established a third party relationship to automatically make payments on your behalf, please ensure that (1) you take the necessary steps to advise them of your new loan number and (2) that the payee's name is changed to Natlonstar Mortgage LLC. If you are currently a biweekly payment customer, this service will continue. An agent for Natlonstar Mortgage LLC will contact you with regard to your mortgage payments. • If you have been paying premiums for optional lie, disability or accidental death Insurance, these policies will not transfer to Natlonstar Mortgage LLG. In January 2013, you will receive a year-end statement from Natlonstar Mortgage LLC reflecting loan activity occurring between January 1, 2012 and December 31, 2012. This statement will be matted no later than January 31, 2013. You should also be aware of the following Information, which Is set out In more detail In Section 6 of the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. Section 2605): During the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by Aurora Bank before Its due date may not be treated by your new servicer es late, and a late fee may not be Imposed on you. Section 6 of RESPA gives you certain consumer rights, If you send a "qualified written request' to your loan servicer concerning the servicing of your loan, your servicer must provide you with a written acknowledgment within 20 business days of receipt of your request. A business day is a day on which the offices of the business entity are open to the pubic for carrying on substantially all of Its business functions. A "qualified written request" Is a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which includes your name and account number and your reason for the request. Not later than 60 business days after receiving your request, your servicer must make any appropriate corrections to your account and must provide you with a written clarification regarding any dispute. During this 60-day period, your sort/leer may not provide Information to a consumer reporting agency concerning any overdue payment related to such period or qualified written request. However, this does not prevent the servicer from initiating foreclosure if proper grounds exist under the mortgage documents. Section 6 of RESPA also provides the damages and costs for Individuals or classes of Individuals In circumstances where servicers are shown to have violated the requirements of that section. You should seek legal advice if you believe your rights have been violated. Home Affordable Modification Program: If you previously provided Information or documentation to Aurora Bank In support of your request for a possible loan modification under the federal governments Home Affordable Modification Program ("HAMP") or you have been established on a HAMP Trial Period Plan, Aurora Bank will be transferring all your documentation to Natlonstar Mortgage LLC. Until the transfer date, you should continue to make your monthly Trial Period Plan payments to Aurora Bank. After the transfer date, you should make all Trial Period Plan payments to Natlonstar Mortgage LLC, until such time that you are provided additional direction. Prior to the transfer date, approval decisions regarding your request fore possible HAMP loan modification will be made by Aurora Bank. After the transfer date, approval decisions regarding your HAMP loan modification request will be made by Natlonstar Mortgage LLC. Other Loss Mitigation Options: If you have previously provided information and documentation In support of your request for approval of other possible foss mitigation options (inducing a loan modification, repayment agreement, forbearance agreement, short sale, refinance or deed-in-lieu of foreclosure) Aurora Bank will be transferring at of your documentation to Natlonstar Mortgage LLC. Prior to the transfer date, approval decisions regarding your request for other possible loss mitigation options will be made by Aurora Bank. After the transfer dale, approval decisions regarding your loss mitigation option request will be made by Nallonster Mortgage LLC. Please retain this Information with your loan documentation for future reference. Aurora Bank appreciates the opportunity to provide service on your loan and for allowing us to be of service to you. Sincerely, Cassie Leet Customer Service Manager INTERNET REPRINT 392 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 9 ITEM 9 Corporate Assignment of Deed of Trust CR page 468-469 ENE 1111 11 1 FISSM 2 PGS 2011021192 Recording Requested By: AURORA LOAN SERVICES When Recorded Return To: ASSIGNMENT PREP AURORA LOAN SERVICES P.O. Box 1706 Scottsbluff, NE 69363-1706 l ig 1 5/V?"57 $ CORPORATE ASSIGNMENT OF DEED OF TRUST Williamson, Texas SELLER'S SERVICING ft:0123814188 'TREVARTHEN' OLD SERVICING #: FC MERS # 100256014000672964 VRU #: 1-888-679-6377 Date of Assignment: March 7th, 2011 Assignor. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC AS NOMINEE FOR MERIDIAS CAPITAL, INC. ITS SUCCESSORS AND ASSIGNS at 1901 E VOORHEES STREET, SUITE C, DANVILLE, IL 61834 Assignee: AURORA LOAN SERVICES LLC at 2617 COLLEGE PARK, SCOTTSBLUFF, NE 69361 Executed By: CLARE TREVARTHEN AND SPOUSE, GRANT TREVARTHEN, SIGNING PRO FORMA TO PERFECT LIEN ONLY To: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC AS NOMINEE FOR MERIDIAS CAPITAL, INC. Date of Deed of Trust 12/27/2006 Recorded: 12/29/2006 as Instrument No.: 2006113657 In the County of Williamson, State of Texas. Property Address: 1202 MAHOGANY LANE, CEDAR PARK, TX 78613 Legal Description: As Referenced on Original Recorded Document KNOW ALL MEN BY THESE PRESENTS that in consideration of the sum of TEN and NO/100ths DOLLARS and other good and valuable consideration, paid to the above named Assignor, the receipt and sufficiency of which is hereby acknowledged, said Assignor hereby assigns unto the above-named Assignee, the said Deed of Trust having an original principal sum of with interest, secured thereby, with all moneys now owing or that may hereafter become due or owing in respect thereof, and the full benefit of all the powers and of all the covenants and provisos therein contained, and the said Assignor hereby grants and conveys unto the said Assignee, the Assignor's beneficial interest under the Deed of Trust. TO HAVE AND TO HOLD the said Deed of Trust, and the said property unto the said Assignee forever, subject to the terms contained In said Deed of Trust. IN WITNESS WHEREOF, the assignor has executed these presents the day and year first above written: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC AS NOMINEE FOR MERIDIAS CAPITAL, INC. ITS SUCCESSORS AND ASSIGNS On March 7th. 2011 By JAN SH, Vice-President •FiRGRRGALSM03/07/2011 1253:47 PM- ALSIDIALSIA000000000000000708D5Er "DCWIW* 0123814188 TXW11.11 TRUST_ASSiGN ASSN "FIRGALSM flF:ED TO BE A TRUE AND SORRECT COPY . NANCY E. RISTER, County Clerk Williamson County Paae of 468 CORPORATE ASSIGNMENT OF DEED OF TRUST Page 2 of 2 STATE OF Nebraska COUNTY OF Scotts Bluff On March 7th, 2011, before me, ROBERTA A. RUMMEL, a Notary Public in and for Scotts Bluff in the State of Nebraska, personally appeared JAN WALSH, Vice-President, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal, GENERAL NOTARY - Stak of Nebraska ROBERTA A. RUMMEL My Comm. Exp. Sept 18,2014 I ROBERTA A. RUMMEL Notary Expires: 09/18/2014 (This area for notarial seal) liRWARGALSr03W/2011 1Z53:47 FAW ALSIOIALSIA00000000C0000:10708059•TXWILLr 0123814188 TXWILLLTRUST ASSIGN ASSN **RFIGALSr LPS Land Records Division FILED AND RECORDED 1525 W. Walnut Hill Lane OFFICIAL PUBLIC RECORDS 2011021192 Suite 300 Irving, TX 75038 E.-Ruth. 7177:`-'7.!-, TO BE A TRUE AND 03/31/2011 04:11 PM 00PRECT COPY MARIA $20.00 NANCY E. RISTER, County Clerk NANCY E. RISTER, COUNTY CLERK Williamson County WILLIAMSON COUNTY, TEXAS 469 Paae 02 of No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 10 ITEM 10 Substitute Trustee’s Deed CR page 471-474 2011039311 Electronically Recorded Official Public Records Nancy E. Rister, County Clerk 2011 Jun 17 10:44 AM Fee: $ 28.00 Pages: 4 Williamson County Texas TS No 1318457-05 1111 11 11110PPIP 1 MEI Ill Substituje Trustee's Deed NOTICE OF CONFIDENTIALITY RIGHTS: IF YOU ARE A NATURAL PERSON, YOU MAY REMOVE OR G '- STRIKE ANY OF THE FOLLOWING INFORMATION FROM THIS INSTRUMENT BEFORE IT IS FILED:(: FOR RECORD IN THE PUBLIC RECORDS* YOUR SOCIAL SECURITY NUMBER OR YOUR DRIVER'S c LICENSE NUMBER. STATE OF TEXAS COUNTY OF WILLIAMSON WHEREAS, CLARE TREVARTHEN AND SPOUSE, GRANT TREVARTHEN, SIGNING PRO FORMA TO 1 PERFECT LIEN ONLY, in order to secure the payment of a Note for the sum set forth in said Note, payable to the order of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR NEVADA CORPORATION, made, executed and delivered to RICHARD HAWN, Trustee, a certain Deed of ' Trust dated December 27, 2006, recorded in Volume XX, Instrument No. 2006113657, Page XX of the Real Property Records of WILLIAMSON County Texas, to which Deed of Trust and its record reference is here made for a detailed description of said Note, the terms and covenants of said Deed of Trust, and the lands and premises there conveyed, said land being more particularly described as follows LOT 83, WEST PARK OAKS PHASE I, A SUBDIVISION OF WILLIAMSON COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT OF RECORD IN CABINET G, SLIDES 338-339, PLAT RECORDS OF WILLIAMSON COUNTY, CORRECTED IN VOLUME 1323, PAGE 673 AND VOLUME 1323, PAGE 676, OFFICIAL RECORDS OF WILLIAMSON COUNTY, TEXAS. WHEREAS, said Note together with the liens securing same was transferred and assigned in due course for value before maturity to AURORA LOAN SERVICES, LLC. WHEREAS, it is provided in said Deed of Trust that failure to make any of the payments in the above described • Note as the same became due and payable, or failure to comply with any or all of the covenants and conditions of , a ic said Deed of Trust, shall, at the option of AURORA LOAN SERVICES, LLC, or the legal or equitable holder a thereof, mature the whole of said Note and in such event or events and at the request of the owner or holder of said Note secured by said Deed of Trust, the said Trustee or his successors shall enforce said Trust by selling the: herembefore described land and premises according to law, and in accordance with the provisions of said Deed of. . Trust, all as more fully set out in said Deed of Trust; and, WHEREAS, Default was made in the payment of said note according to the terms, tenor and effect thereof, and the legal or equitable owner or holder of said note, after all required notices were given, evidenced by Affidavit of: E. • Notice to Debtors and Affidavit of Military Status, attached hereto and made a part hereof, declared the whole note immediately due and payable and the Trustee named in said Deed of Trust having been removed, the owner and holder of said indebtedness appointed the undersigned as Substitute Trustee, and requested the undersigned to sell - 14. said land and premises according to law and in accordance with the provisions of said Deed of Trust, in satisfaction— ri . of the indebtedness secured by said Deed of Trust; and, WHEREAS, the holder of the debt, by certified mail, has given written notice to the debtors at their last known address that the debtor was in default under the terms of the Deed of Trust and giving the debtor at least twenty days to cure the default (or thirty days if the above referenced Deed of Trust so states) prior to the entire debt being accelerated and the Notice of Trustee Sale given, and WHEREAS, the said land above described was advertised for sale, and written notices of sale were posted in accordance with the terms of said Deed of Trust and in accordance with the laws of the State of Texas pertaining to the foreclosure under the Deed of Trust, at least 21 days preceding the date of sale at the Courthouse Door of WILLIAMSON County, Texas, and C.T7T!F-7n TO RE A TRUE AND CORRECT COPY NANCY P. R1STER: County Clerk TDUSTX DOC Page 1 of 3 Williamson County • .L4 471 Paae of TS No. 1318457-05 WHEREAS, the holder of the debt requested the Substitute Trustee and by this instrument the Substitute Trustee swears, deposes and states under oath that there was served written notice of the proposed sale by certified mail at least twenty-one (21) days preceding the date of sale on each debtor obligated to pay such debt according to the records of such holder by deposit of the Notice, enclosed in a postpaid wrapper, properly addressed to each debtor at the most recent address shown by the records of the holder of the debt, in a post office or official depository under the care and custody of the United States Postal Service; and a copy of such Notice of Sale was filed with the County Clerk of such County preceding the date of this sale, and that the Mortgagor(s), his (their), heirs and/or assigns are alive and are not in the military service and were not in the military service on the day of sale nor 9 months prior to the day of sale. WHEREAS, I, the said Substitute Trustee, after all prerequisites required by law and/or by said Deed of Trust have been duly satisfied by the holder of the Note, and by said Substitute Trustee, did conduct the sale on June 07, 2011, said sale beginning no earlier than 10:00am o'clock and being concluded within 3 hours of such starting time on the cr date for which said sale was advertised, offering the said land and premises for sale and conducting said sale in the )ci area of the Courthouse designated by the Commissioner's Court, pursuant to Section 51 002 of the Texas Property Code as the place where foreclosure sales are to take place and if no place was designated by the Commissioner's Court, the sale was conducted at the place where the Notice of Trustee's Sale was posted in the County Courthouse; and, WHEREAS, at the said sale AURORA LOAN SERVICES, LLC, (hereinafter "Grantee"), whose address is 2617 COLLEGE PARK DRIVE SCOTTSBLUFF NE 69361-2294, bid for said land and premises the sum of S157,110 55, which was the highest and best bid offered for said land and premises, whereupon said land and premises were knocked off and sold for said sum to the said Grantee in accordance with the terms and provisions of said Deed of Trust, NOW THEREFORE, KNOW ALL MEN BY THESE PRESENTS: that I, the said Substitute Trustee, named and appointed under the terms of said Deed of Trust, acting herein under and by virtue of the power conferred upon me by the said Deed of Trust, and in accordance with the laws of the State of Texas, for and in consideration of the sum .t., a bid as aforesaid, which amount has been applied in accordance with the terms of said Deed of Trust on the ..c ) indebtedness secured by it, do hereby bargain, sell and convey unto the said Grantee the said herembefore described .„, o -.~ land and premises, together with all and singular the rights and appurtenances to the same in anywise belonging.." r■I `,!r, , . TO HAVE AND TO HOLD the said property unto the said Grantee, its successors and assigns, forever, in fee simple, and I, the said Substitute Trustee, acting in the capacity and manner aforesaid, by virtue of the power vested r in me under the terms of said Deed of Trust, do hereby bind and obligate the said mortgagor(s), his (their) heirs, Al assigns, executors and administrators to warrant and forever defend all and singular the right and title to said ..:: .r :d property unto the said Grantee, its successors and assigns, against every person whomsoever lawfully claiming or to claim the same or any part thereof TDUSTX DOC Page 2 of3 CE77.17-!ED TO BE A TRUE AND 'CORRECT COPY NANCY E R1STER, County Clerk Williamson County Paae of 472 TS No. 1318457-05 EXECUTED this instrument on k H e 13( eR.,9/1 Substitute Trustee State of Texas c County of 'The tJ f..5 SUBSCRIBED AND SWORN TO (OR AFFIRMED) before me, Ade /& ,. on this 5 day of..ftecp.20 a by personally known to me or proved to me on the basis of satisfactory evidence to be the person(s) who appeared before me. CARTER CARTER Signature 0 Public Notary Public, Sims of TOM ;4:67 My Commission Expires January 06, 2012 RETURN TO: CAL-WESTERN RECONVEYANCE CORPORATION PO BOX 22004 EL CAJON CA 92022-9004 TDUSTX DOC OEFMF:=_TD TO BE A TRUE AND Page 3 of 3 CORRECT COPY NANCY E. RISTER, County Clerk Williamson County Page -3 f o 473 AFFIDAVIT OF NOTICE TO DEBTORS AND AFFIDAVIT OF mmrrARy STATUS TS No. 1318457-05 THE STATE OF TEXAS COUNTY OF WILLIAMSON BEFORE ME, the undersigned authority, on this day personally appeared Affiant below named, who after being by me duly sworn did state as follows: "The Notice of Trustee's Sale was posted at least twenty-one (21) days preceding the date of the sale at the Courthouse door of the County in which the property is located, and if appropriate, at two (2) other public places in Cr such county, as set forth on the Notice of Trustee's Sale. A signed Notice of Trustee's Sale VMS tiled in the office of the County Clerk of such county at least twenty-one (21) days preceding the date of the sale. In addition, the holder(s) of the debt cause the Notice of Trustee's Sale to be served and said Notice was served by Certified Mail upon all debtors obligated to pay the debt described in said Notice of Trustee's Sale, according to the records of such holder(s), at least twenty-one (21) days preceding the date of sale. The service was completed by depositing said written notice, enclosed in a postpaid wrapper, properly addressed as shown by the records of the holder(s) of the debt, in an official depository under the care and custody of the United States Postal Service." "The debtor(s) in default under the Deed of Trust/Security Instrument on the property described in the Notice of Trustee's Sale were served with written notice by certified mail of their default, and were given at least twenty (20) days to cure the default before the entire debt became due and notice of sale was given; such writing gave notice of intent to accelerate if such default was not cured." "To the best of my knowledge, the owners of the property on the date of the Trustee's Sale, which date of sale and property are set forth and described in the Notice of Trustee's Sale were not in the military service nine (9) months prior to said Trustee's Sale." EXECUTED on June 08, 2011 SI n Smo , A.VP. SUBSCRIBED AND SWORN TO BEFORE ME, on June 08, 2011, to certify which w ess my hand and seal of office. State of California County of San Diego Subscribed and sworn to (or affirmalawsphEst.• _ t9; of - ,c,„ 20_liby s-A3w • ,Tr.ved to me on the basis of satisfactory evidence to be the person(s) who appeared befor3 me. r. Seal Signature ROSALYN HALL COMM. *1793727 z Notary Public - Carbone ti z San Diego County - Comm. Ex as liar. 16, 2012 STATE OF TEXAS NVLAFD DOC Page 1 of COUNTY OF WILLIAMSON I, NANCY E. RISTER, COUNTY CLERK, DO HEREBY CERTIFY THAT THIS IS A TRUE AND CORRECT COPY AS SAME APPEARS OF RECORD IN MY CUSTODY. W 7_0 BE A IBUE AND my hand and seal of office on6aX AZ, 1/ OFRIECT COPY NANCY E. RISTER, County C:erk ...... NANCY E RISTER, COUNTY CLERK 1:ulramson County IAMSON C LINTY, T - XAS 474 _Deputy Page of No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 11 ITEM 11 Notice of Appeal CR page 731-737 Filed: 12/3/2014 1:31:37 PM Lisa David, District Clerk Williamson County, Texas Ellie Saucedo CAUSE NO. 14-0187-C26 CLARE TREVARTHEN § § IN THE DISTRICT COURT Plaintiff § § v. § 26th JUDICIAL DISTRICT § NATIONSTAR MORTGAGE LLC, § AUCTION.COM. JEREMIAH § MCCLAIN, PAMELA CIRKIEL § SHAMICA THOMAS, HELEN G. § KINNEMAN § § Defendants § WILLIAMSON COUNTY, TEXAS PLAINTIFF’S NOTICE OF APPEAL Plaintiff, Clare Trevarthen, notices this court that he will appeal the court’s orders signed November 10, 2014. 1. Plaintiff is Clare Trevarthen. 2. Defendants are Nationstar Mortgage LLC, Auction.com, Jeremiah McClain, Pamela Cirkiel, Shamica Thomas, Helen G. Kinneman. 3. September 5, 2014 Defendant Nationstar Mortgage LLC filed its Traditional and No-Evidence Motion for Summary Judgment and Motion to Sever. 4. October 1, 2014 Plaintiff filed her response to Nationstar Mortgage LLC’s Motion. 5. October 6, 2014 Defendant Nationstar Mortgage LLC filed its reply to Plaintiff’s Response. 6. October 8, 2014 Plaintiff filed her response to Nationstar Mortgage LLC’s Motion. 7. November 10, 2014 this court signed its “Final Order Granting Defendant Nationstar Mortgage LLC’s Traditional and No-Evidence Motion for Summary Judgment and Motion to Sever”. 8. Plaintiff desires to appeal and files this notice. 9. The appeal is taken to the Third Court of Appeals. 10. A copy of the order to be appealed is attached as “Attachment 1.” Envelope# 3362415 731 11. This notice is filed within 30 days of this court’s issuance of its judgment. RESPECTFULLY SUBMITTED, David Rogers, Attorney at Law 1201 Spyglass, Suite 100 Austin, TX 78746 (512) 923-1836 (512) 201-4082 (fax) DARogers@aol.com /s/David Rogers______________ David Rogers State Bar #24014089 Attorney for Plaintiff CERTIFICATE OF SERVICE Pursuant to Texas Rules of Civil Procedure, a true and correct copy of the foregoing has been sent on this the 3rd day of December, 2014 to counsel for all parties of record. B. David L. Foster John W. Ellis Locke Lord LLP 600 Congress Avenue, Suite 2200 Austin, Texas 78701 /s/David Rogers______________ David Rogers State Bar #24014089 Attorney for Plaintiff 732 Attachment 1 733 734 APPEALS INDEX INDEX TO 14-0187-C26 CLARE TREVARTHEN V. NATIONSTAR MORTGAGE, LLC § IN THE DISTRICT COURT § § 26TH JUDICIAL DISTRICT COURT § § WILLIAMSON COUNTY, TEXAS Cover Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Docket Sheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Case Summary Sheet 01 Plaintiff's Original Petition, Filed 03-03-14 02 Defendant's Original Answer, Filed 04-01-14 03 Plaintiff's First Amended Petition, Filed 04-03-14 04 Plaintiffs' Request for Issuance of New Citations, Filed 04-03-14 05 Defendant Helen G. Kinneman's Original Answer, Affirmative Defenses in Inferential Rebuttal, Filed 05-08-14 06 Notice of Appearance, Filed 05-08-14 07 Defendant Heen Kinneman's Original Answer, Affirmative Defenses and Inferential Rebuttal, Filed 05-08-14 08 Notice of Appearance, Filed 05-08-14 09 Certificate of Written Discovery, Filed 05-08-14 10 Certificate of Written Discovery, Filed 05-08-14 11 Defendant Shamica Thomas' Original Answer, Filed 05-13-14 12 Defendant Auction.com's Original Answer, Filed 05-16-14 13 Special Appearance of Jeremiah McClain and Answer Subject Thereto, Filed 05-16-14 735 14 Plaintiff's Notice of Non Suit, Filed 06-30-14 15 Defendant Nationstar Mortgage LLC's Traditional and No-Evidence Motion for summary Judgment and Motion to Sever, Filed 08-29-14 16 Plaintiff's Response to Defendant Nationstar Mortgage LLCs Traditional and No-Evidence Motion for Summary Judgment and Motion to Sever, Filed 10-01-14 17 Defendant Nationstar Mortgage LLC's Reply in Support of its Traditional and No-Evidence Motion for Summary Judgment and Motion to Sever and Response to Plaintiff's Objections, Filed 10-06-14 18 Defendant Nationstar Mortgage LLC's Objections to Plaintiff's Summary Judgment Evidence, Filed 10-06-14 19 Plaintiff's Sur-Reply to Defendant Nationstar Mortgage LLC's Traditional and No-Evidence Motion for Summary Judgment and Motion to Sever, Filed 10-08-14 20 Final Order Granting Defendant Nationstar Mortgage LLC's Traditional and No-Evidence Motion for Summary Judgment and Motion to Sever, Signed 11-10-14 22 Plaintiff's Notice of Appeal, Filed 12-03-14 Bill of Cost Clerks Certificate 736 737 No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 12 ITEM 12 Excerpts from hearing October 7, 2014 RR page 18-31 18 1 And, finally, we do have objections that we 2 filed, your Honor, in response -- regarding plaintiff’s 3 response. Plaintiff attached 20 some-odd exhibits to their 4 response as well as three verifications by the plaintiff. But 5 the exhibits attached are not referenced in any of the 6 verifications, and there is no authentication to prove these 7 exhibits up. So, our objection, your Honor, is that the Court 8 strike all the exhibits which have not been properly 9 authenticated that were attached to plaintiff’s response. 10 That was in Tab 4, the last Tab 4, in our motion in the 11 notebook today. There’s a copy of those objections. 12 Thank you, your Honor. 13 THE COURT: Thank you. 14 Mr. Rogers. 15 MR. ROGERS: Your Honor, is there some evidence? 16 The demonstrative exhibits that the Court has here in front of 17 it show that there is some evidence. These are arranged 18 chronologically. There’s a key here at the top to tell you 19 who is who because, frankly, you can’t tell the players in 20 this case without a scorecard. 21 The first thing that Mr. Ennis (sic) said was 22 that the borrower sued the lender, while later he said the 23 lender was Meridias Capital. Meridias Capital is not a party 24 to this lawsuit, your Honor. And keeping track of who is who 25 is the fundamental problem that my client has had all along 19 1 because in her effort to get a modification where she sent 2 many, many payments, evidence of which is included in the 3 records specifically testified to in her verification -- her 4 declaration, unlike what you might gather from reading the 5 response -- "Trevarthen only made three payments." Well, 6 we’ve got evidence there that during the modification period 7 she made at least 17 payments. 8 Was she in default? I would say that there is a 9 fact question there. Certainly there is far more evidence of 10 payment introduced than has been acknowledged by Nationstar 11 which brings me to another question. Who is Nationstar? And 12 what is their interest in the property? I thought I knew the 13 answer to that question, your Honor. The reason that I 14 thought I knew the answer to that question was that in a prior 15 case we had a declaration by the same woman who has made a 16 declaration in this case. And that declaration was very 17 definitive. 18 MR. ELLIS: Your Honor, just to be clear, the 19 documents he’s referring to in the response are -- this 20 document is one of the many that is not properly 21 authenticated. That’s part of our objection. 22 MR. ROGERS: Your Honor, if for some reason the 23 Court doesn’t want to take notice of what we’ve got attached 24 to our response, we would ask that the Court take judicial 25 notice of the declaration attached to their prior motion for 20 1 summary judgment in the 368th District Court last October, 2 your Honor. We are just bringing that declaration to the 3 Court’s attention. We’ve got that attached to our response as 4 Exhibit X. That declaration of Kristen Trompisz, 5 T-r-o-m-p-i-s-z, and it’s Kristen, K-r-i-s-t-e-n, says in 6 Paragraph 3, "On June 29, 2012, Aurora Loan Services, LLC, was 7 acquired by Nationstar Mortgage, LLC." It seems very clear. 8 All of the rights and liabilities of Aurora, 9 LLC, were acquired by Nationstar on June 29, 2012. Based on 10 that in large part, we dismissed our prior lawsuit because 11 Nationstar wasn’t a defendant in the prior lawsuit, and we 12 thought, okay, we’ve got to figure out what these 13 relationships are, you know, who, you know -- we’ve got to 14 name Nationstar, all of our claims now that we had against 15 Aurora would be good against Nationstar because Nationstar 16 acquired all the rights and responsibilities. 17 MR. ELLIS: Objection, your Honor. I’m just -- 18 make sure I’m reading from the same document. It says -- are 19 we reading at Paragraph 8? 20 MR. ROGERS: Exhibit X, Paragraph 3. 21 MR. ELLIS: Paragraph 3. Just for rules of 22 optional completeness, that paragraph states on June 29, 2012, 23 Aurora Loan Services, LLC, was acquired by Nationstar 24 Mortgage, LLC, end paragraph. 25 MR. ROGERS: That’s -- that’s exactly what I 21 1 said. 2 MR. ELLIS: The rest is attorney argument. 3 MR. ROGERS: And then we get our motion for 4 summary judgment this year in this case. And the exact same 5 person swears to something materially different. Again, it’s 6 Paragraph 3, and it’s -- and it’s the first exhibit attached 7 to their motion for summary judgment. "On June 29, 2012, 8 Nationstar Mortgage, LLC, acquired a substantial amount of 9 Aurora Loan Services, LLC’s, assets, including the servicing 10 rights to the loan." Your Honor, that’s the difference 11 between saying, "I bought the restaurant" and "I bought a 12 hamburger." 13 We don’t know suddenly, because this woman 14 changed her testimony a year later, what the relationship 15 between Aurora and Nationstar is. We would like to be granted 16 an opportunity to engage in discovery to find out which 17 statement, if either, is true. But it’s clear they can’t both 18 be true. Either Nationstar bought all of Aurora or Nationstar 19 bought part of Aurora. But they can’t buy all of it and just 20 buy part of it. It’s a hamburger, or it’s the whole 21 restaurant. So, essentially, your Honor, one or the other of 22 those declarations is perjured. And we would ask that the 23 entire declaration be thrown out. And once that declaration 24 is thrown out, then they’ve got no evidence. 25 At the beginning of this process in 2006, Ms. 22 1 Trevarthen -- Mrs. Trevarthen took out an interest-only note 2 for $136,000.00 from Meridias Capital. And one of the things 3 that we got from the other side in the prior litigation was a 4 MERS Milestone Report. MERS was a defendant in the prior 5 litigation. We asked them to produce that. "What is it that 6 you show happened to the note and the debt and the debt and 7 the deed of trust over time?" 8 And it turns out that what MERS believes 9 happened and what is reflected by the letters to my client and 10 by the public record are not the same. Everyone agrees that 11 there was a note and deed of trust that was signed on or about 12 December 28, 2006. Now, the MERS system shows that there was 13 a registration there, Meridias Capital, same day. Seems fine 14 so far. And then there’s a transfer of beneficial rights from 15 MERS to what we’ve designated as ALS Number 1 which is Aurora 16 Loan Services, LLC. At that point Aurora Loan Services, LLC, 17 is designated as the investor or common parlance, the owner of 18 the note and deed of trust. So far, so good. 19 Our client gets a notice of an assignment of 20 sale and servicing rights, and this is included as our Exhibit 21 P, but it’s also included in their exhibits, that says that 22 Florez Consulting Company has transferred the servicing rights 23 to Aurora Loan Services. Whether it’s Aurora Loan Services, 24 Inc., or Aurora Loan Services, LLC, or Aurora Loan Services 25 FSB, we don’t know. It’s not clearing in the document. 23 1 But what is mystifying is: Who is Florez 2 Consulting Company? And where did they get any rights to 3 transfer anything to ALS? There’s no evidence anywhere in the 4 record that these people even had any rights to transfer to 5 ALS. Florez Consulting Company is not Meridias Capital. So 6 this first transfer here of servicing rights may be a bogus 7 transfer, and it doesn’t involve MERS at all. 8 Then MERS says there’s a transfer of the flow 9 servicing rights, whatever those are, from Meridias Capital to 10 Aurora Bank, FSB. Okay. So the beneficial rights and the 11 flow servicing rights are transferred to two different 12 entities according to MERS. 13 But, also, it says in the MERS document that 14 Aurora Bank, FSB, is the servicer and that Aurora Loan 15 Services, LLC, is the subservicer. And then, according to 16 MERS, the next document, -- and we’ve got this bracketed 17 because they’re connected. It’s a transfer of the same item. 18 -- there’s a transfer of flow servicing rights from Aurora 19 Loan Services, LLC. Well, wait a minute. Aurora, FSB, is the 20 party that has those rights according to the prior MERS 21 document. But now somebody who doesn’t have the rights is 22 transferring them to Lehman Brothers Holding. And Lehman 23 Brothers Holding is the servicer. 24 Okay. Then there’s a transfer of beneficial 25 rights. Now, last time we checked, the beneficial rights were 24 1 in Aurora Loan Servicing, LLC. They’re transferred by them to 2 Bank of America as trustee. Bank of America, as trustee, is 3 designated as the investor, again, according to the MERS 4 document. 5 Then there is a release of interim funder 6 interest by UBS Warburg, the New York Investment Bank. Not 7 clear where they came in, but they’ve released whatever they 8 had. And then this beneficial rights which was in the hands 9 of B of A here is transferred by ALS again. Wait a minute. 10 They already gave away all their rights, but now they’re 11 transferring rights they don’t have to Wilmington Trust 12 Company. Again, these are all admitted by MERS in their 13 Milestone report. 14 All this green stuff is invisible to my client 15 and invisible to the outside world. This is MERS. This is 16 the black box. Nobody in the outside world knows about that. 17 What we know about is the letters and the things that are in 18 the public record. 19 So my client gets a letter December 15, 2008, 20 from Michael J. Schroeder, P.C. He claims in that letter that 21 Aurora Loan Services is the servicer, and Aurora Loan 22 Services, LLC, is the owner and the holder, identifies one as 23 the LLC, one as Aurora Loan Services, obviously some different 24 company, probably Aurora Loan Services, Inc., but maybe he 25 means Aurora, FSB. We don’t know. And that confusion 25 1 continues throughout the whole train of this -- of this loan. 2 Okay. And then a few months later my client 3 gets a letter, notice of default, from Aurora Loan Services. 4 Doesn’t say if it’s LLC or INC or FSB. And this claims now 5 that Aurora Loan Services which was the servicer previously is 6 now the debt collector and that LXS 20007-6 is the mortgagee. 7 No indication of a transfer to LXS 2007-6. 8 We get a letter notice of trustee sale, again, 9 from Mr. Schroeder. He identifies the same to ALS entities as 10 servicer and owner and holder that he identified before which 11 is different than who ALS described as the mortgagee in the 12 letter two months prior. 13 Two weeks later in response to a qualified 14 written request which is a letter that’s authorized under 15 Federal statutes to enable borrowers to find out from lenders 16 and servicers, "What’s going on with my loan? Who owns it? 17 Who do I have to pay? What’s going on?" because, obviously, 18 my client having received these letters, doesn’t know who’s 19 who. She knows that’s inconsistent, so she gets a response to 20 the QWR from Carl Washer, LLP. And they identify LXS 2007 as 21 the owner of the note, ALS as the servicer, master and 22 subservicer. So this is a different company than that. And 23 the owner of the note is not the one that was identified two 24 weeks prior by MJS. My client gets this QWR response, and all 25 it does is compound the confusion. At this point, I dare 26 1 anybody to tell me who the owner of the note is. Certainly 2 Aurora is making contradictory claims. 3 January of 2011, my client gets a notice of 4 default from Aurora Loan Services, LLC. In that notice of 5 default, they identify the LXS, this LXS 2007-6, as the 6 mortgagee. Okay. So now we’ve got the mortgagees going 7 Ping-Pong back and forth between ALS Number 1 and LXS and Bank 8 of America. Maybe there is a relationship between Bank of 9 America and this trust. We don’t know. 10 My client gets a notice of substitute trustee 11 sale. This is now the third notice of substitute trustee sale 12 she’s gotten from Naomi Feistel. And that says LXS isn’t the 13 mortgagee anymore. It’s Aurora Loan Services, not the LLC. 14 The LLC is the servicer. Then we get some action in the 15 public records. MERS transfers to ALS Number 1 making ALS 16 Number 1 the mortgagee. That’s the LLC. 17 Then there is an appointment of the substitute 18 trustee. For the first time, there’s an appointment of 19 substitute trustee. So all of these prior notices of trustee 20 sale were all done completely without authorization. They’re 21 completely Illegal. And these, there’s never even any attempt 22 to ratify the Schroeder letters. 23 Now, if Schroeder is Aurora’s agent, then Aurora 24 is liable for this. If Nationstar bought Aurora lock, stock, 25 and barrel, Nationstar is liable. If Nationstar bought part 27 1 of Aurora but didn’t assume their liabilities, then maybe 2 we’ve got the wrong defendant, and Nationstar is in here 3 defending somebody else. And, as your Honor is well aware, I 4 can’t defend a third party without being engaged on behalf of 5 that third party. 6 And Aurora Loan Services is not even named in 7 this suit, again, because of the prior affidavit, the prior 8 declaration from October of last year, "Aurora Loan Services 9 has been taken over in its entirety by Nationstar," which now 10 apparently isn’t true. 11 So we’ve got musical mortgagees. Finally a 12 substitute trustee is named. We get a notice of trustee sale. 13 And again the mortgagee changes. So Aurora Loan Services -- 14 Aurora Loan Services, LLC, is just the servicer. So here in 15 the space of five months we get five different parties 16 claiming to be the mortgagee. 17 My client sends another QWR letter because she’s 18 confused. We get a response in May from another law firm on 19 behalf of Aurora Loan Services, LLC. Now we’ve got a trustee, 20 and the LXS Trust is the owner of the debt. The owner of the 21 debt, or, in other words, the mortgagee has now changed again. 22 This comes from the MERS report. Frankly, I 23 don’t know what "transfer of seasoned rights means," but 24 that’s what happens there. And ALS transfers the rights that 25 had previously been assigned to Lehman Brothers Holding to 28 1 itself. Lehman Brothers doesn’t transfer those rights. ALS 2 transfers it on their own. Three days later ALS, LLC, 3 forecloses on my client. 4 Now, opposing counsel says, "Well, all of this 5 is about MERS, the challenge to the MERS system." And I will 6 admit I think the MERS system doesn’t comply with Texas law. 7 We have some argument about that. The Texas Supreme Court has 8 never affirmed that it does. We have some extensive briefing 9 about choces in action and how all of that relates. We look 10 at the 2007 Daughters of Charity Case where the Supreme Court 11 says you can’t separate liens and debts. They travel 12 together. 13 But leaving that aside for the moment, let’s say 14 all of this MERS stuff is just hunky-dory. Here’s the 15 problem. We have a foreclosure on June 6th. Somebody else is 16 the mortgagee on May 10th. Someone else is the owner of the 17 debt on May 10th. Let’s assume that there is a transfer from 18 LXS on the very same day, even though it’s not reported in the 19 property records anywhere. There’s no evidence that it 20 happens, but let’s say that the owner of the debt changes 21 later on the 10th from the LXS Trust to Aurora Loan Services. 22 In order to foreclose, both the deed of trust 23 and the statute require that the foreclosing party send out 24 two notices. The minimum time required for the two notices is 25 50 days under the statute, 60 days under the deed of trust. 29 1 There are not 50 days or 60 days between these two dates. 2 This admission by Aurora Loan Services that 3 someone else is the owner of the debt on this date, someone 4 else who has never instructed my client to pay them, by the 5 way, and we’ve got a declaration on that -- LXS 2007-6 never 6 sent a "Pay Aurora" notice to my client. And, obviously, at 7 this point they were the current mortgagee, according to 8 Aurora Loan Services. 9 In order for Aurora to qualify under the statute 10 as a statutory mortgage servicer who is allowed to administer 11 a foreclosure on behalf of another party, the current 12 mortgagee must send a notice to the mortgagor instructing them 13 to pay the mortgage servicer. Without that, the mortgage 14 servicer cannot administer the foreclosure. Why? Because 15 with confusion like this, unless you get a notice from the 16 owner of the note, the person entitled to collect the debt, 17 you don’t know who these people are and what their 18 relationship to what’s going on is. Is Aurora, LLC, pulling a 19 fast one? Or is Aurora, FSB, pulling a fast one? Or is 20 Aurora, Inc., pulling a fast one? I think they’re all at the 21 very least -- a charitable characterization of this is they 22 are confused about who owns what and who has what rights. 23 And they admitted inside the window that Aurora 24 Loan Services, LLC, was not a party entitled to collect or the 25 party entitled to foreclose. So even if all of the MERS stuff 30 1 is perfectly fine and even if there’s an invisible MERS 2 assignment right here, they fail the test under Property Code 3 51, and the foreclosure is void. 4 There’s a substitute trustee’s deed, foreclosure 5 by Aurora Loan Services. But Aurora Loan Services now is 6 claiming to be the mortgagee. On the notice, though, it was 7 Aurora Loan Services, not Aurora Loan Services, LLC, that was 8 claiming to be the mortgagee. They can’t keep their story 9 straight. Well, your Honor, I submit that if you tell the 10 truth, you have less to remember. 11 Now, if the foreclosure actually happened, the 12 debt ceases to exist because it’s been satisfied by the 13 foreclosure. The amount on the foreclosure that was bid in 14 was $157,000.00 on a $136,000.00 note. So why does my client 15 get a welcome notice that says, "We’ve transferred your loan 16 servicing rights. Pay Aurora Loan Services, FSB. They’ll be 17 accepting payments"? On what debt exactly? 18 This is an admission by a party opponent, your 19 Honor, that this foreclosure is no good. Now, the MERS 20 internal documentation tries to catch up in February of the 21 next year. They say they completely reversed the foreclosure. 22 They updated the mortgage information, and then they completed 23 the foreclosure all in the same day. And the effect of that 24 is somehow to make Aurora, FSB, the new subservicer. But they 25 undid the foreclosure seven months later on one day. No 31 1 notice was ever sent to anybody. And then they redid the 2 foreclosure. I’m pretty sure if you’re going to do a 3 foreclosure in Texas you have to send some notices and send 4 somebody down to the courthouse and file something in the 5 public records. None of that happened. 6 Then four months later my client gets a letter 7 transferring the servicing rights, the servicing rights on the 8 note that doesn’t exist. Or maybe the note does exist because 9 the foreclosure didn’t happen. Again, your Honor, this is an 10 admission by a party opponent that the foreclosure didn’t 11 happen because if the foreclosure happened there would be no 12 loan servicing rights to transfer to Aurora, FSB. 13 And then we get this declaration from Ms. 14 Trompisz the day before Halloween last year. She says Aurora 15 Loan Servicing -- Aurora Loan Services, LLC, is Aurora Loan 16 Services and that Aurora Loan Services, LLC, was acquired in 17 its entirety by Nationstar. Ten months later she says that’s 18 not true. 19 I submit, your Honor, there is a fact issue in 20 here somewhere. And summary judgment is inappropriate. And 21 it would be inappropriate for the Court to accept the 22 declaration of someone who has shown herself to have perjured 23 herself in her declarations in this courthouse. 24 THE COURT: All right. I have a dental 25 appointment in 15 minutes, and I have to leave. If you want No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 13 ITEM 13 Declaration of Kristen Trompisz No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 14 ITEM 14 Exhibit chart TREVARTHEN / MAHOGANY Aurora Bank FSB......................AB Florez Consulting Company.....FLO Nationstar Mortgage, LLC........NM BENEFICIAL RIGHTS Aurora Loan Services, LLC.......ALS#1 LaSalle Bank Ntl. Assoc. ..........LS Michael J. Schroeder, P.C..........MJS FLOW SERVICING RIGHTS Aurora Loans Services.............ALS#2 Lehman Brothers Holdings......LBH Juanita Strickland....................STR INVESTOR Bank of America......................BofA Lxs 2007-6...............................LXS UBS Warburg...........................UBS MORTGAGEE Cal-Western Recon. Corp.........C-W Meridias Capital......................MC Wilmington Trust Co................WTC OWNER Naomi Feistel...........................Feistel McGinnis Tessitore Wutscher .......MTW Kahrl Wutscher LLP..................KW SERVICER SUSTITUTE TRUSTEE Exhibit A MERS Milestone Report Exhibits B – BB DATE/EXHIBIT DOCUMENT TYPE FROM TO CLAIM 12-28-2006 / Note & Deed of Trust Trevarthen MC MC =Mortgage B (Note) C (DOT) MERS = Beneficiary Note =$136K 12-28-2006 Registration MC MC = Servicer 2-14-2007 Trans. Beneficial Rights MC ALS#1 ALS = Investor 2-16-2007 / P Notice of ASN/Sale Servicing FLO ALS#2 ALS#2 = Servicer 6-18-2007 Trans. Flow Servicing Rights MC AB AB = Servicer ALS#1 = Subservicer 6-21-2007 Trans. Flow Servicing Rights ALS#1 LBH LBH = Servicer 7-2-2007 Trans. Beneficial Rights ALS#1 BofA as Trustee BofA as Trustee = investor 10-15-2007 Release Interim Funder Interests UBS 12-10-2008 Trans. Beneficial Rights ALS#1 WTC WTC = investor 12-15-2008 / D Ltr / Notice Trustee’s Sale MJS Trevarthen ALS#2 = Servicer ALS#1 = Owner/Holder 7-26-2010 / E Ltr / Notice of Default ALS#2 Trevarthen ALS#2 = Debt Collector Lxs 2007-6 =Mortgagee 9-13-2010 / F Ltr / Notice Trustee’s Sale MJS Trevarthen ALS#2 = Servicer ALS#1 = Owner/Holder 9-28-2010 / G Letter response to QWR KW Trevarthen LS = Owner of note ALS#1 = Servicer, Master & Sub-servicer DATE/EXHIBIT DOCUMENT TYPE FROM TO CLAIM 1-14-2011 / AA Notice of Default ALS#1 Trevarthen LXS = Mortgagee 3-4-2011 / H Notice of Sub. Sale Feistel c/o C-W Trevarthen ALS#2= Mortgagee ALS#1 = Servicer 3-7-2011 / I Assignment of DoT MERS ALS#1 ALS#1= Mortgagee 4-11-2011 / J Apt. Sub. Trustee (FIRST TIME) ALS#2 STR, Feistel, et.al. ALS#2= Mortgagee 5-3-2011 / L Notice of Sub. Trustee Sale Feistel c/o C-W, Trevarthen ALS#2= Mortgagee for ALS#1 ALS#1 = Servicer 5-10-2011 / K Ltr response to QWR MTW for ALS#1 Trevarthen WTC as Trustee for LXS = Owner of “the debt” 6-3-2011 Transfer Seasoned ALS#1 ALS#1 ALS#1 transfers LBH rights to itself 6-8-2011 Foreclosure Complete ALS#1 Foreclosure completed 6-6-2011 6-13-2011 / M STD STR for ALS#1 Foreclosure by ALS#1, sold to ALS#1 $157,110.55 ALS#1 = Mortgagee debt ceases to exist – satisfied by foreclosure 7-6-2011 / Q “Welcome” ltr announcing ALS#2 & AB Trevarthen Debt exists, Transfer servicer transfer of loan servicing ALS#1 to AB effective 7-21-2011 2-9-2012 Foreclosure Complete Reversal ALS#1 2-9-2012 MIN Information Update ALS#1 AB AB = New Subservicer 2-9-2012 Foreclosure Complete AB Foreclosure Complete 6-7-2011 6-15-2012 / N Ltr transferring servicing rights AB Trevarthen Nationstar has right to collect 10-30-2013 / S Declaration (Trompisz) MERS & ALS#1 The Court ALS#1 = ALS#2; ALS#1 acquired by NS 6-29-2012 8-1-2014 / X Declaration (Trompisz) Nationstar The Court Nationstar acquired “substantial amount” of servicing rights No. 03-15-00011-CV IN THE THIRD COURT OF APPEALS OF TEXAS Clare Trevarthen Appellant v. Nationstar Mortgage LLC; Auction.com; Pamela Cirkiel; Helen G. Kinneman; Jeremiah McClain and Shamica Thomas Appellees Appeal from the District Court of Williamson County, TX Trial Court No. 14-0187-C26 APPENDIX ITEM 15 ITEM 15 Allonge to Promissory Note