Lorraine De Leonardis v. Specialized Loan Servicing, LLC
Opinion
Trial Court Opinion
I. Background
On March 5, 2015, Plaintiff took out a first lien purchase money mortgage loan in the amount of $355,500 from Wells Fargo, secured by a deed of trust on the property, to buy the house in which she currently lives in Sun Valley, California. Complaint, Dkt. # 1-1 (“Compl.”), ¶¶ 1, 14; id., Ex. A (“Deed of Trust”). Plaintiff consistently made payments on the mortgage until April 2021, when, during the COVID-19 pandemic, she lost income due to the government shutdowns, fell ill, and was hospitalized for two months. Compl. ¶¶ 15–16. On February 1, 2022, Plaintiff entered into a loan modification agreement with Wells Fargo so that she could satisfy her debt obligations. Id. ¶ 18; id., Ex. B (“Loan Modification”). On March 7, 2023, 1 Unless otherwise noted, the Court accepts as true all the facts alleged in Plaintiff’s complaint. Doe v. United States, 419 F.3d 1058, 1062 (9th Cir. 2005); ARC Ecology v. U.S. Dep’t of Air Force, 411 F.3d 1092, 1096 (9th Cir. 2005); Moyo v. Gomez, 32 F.3d 1382, 1384 (9th Cir.
CENTRAL DISTRICT OF CALIFORNIA
CIVIL MINUTES - GENERAL
Case No. CV 24-02503 PSG (RAOx) Date May 22, 2024 Title Lorraine De Leonardis v.…