Boumarate v. HSBC Bank USA, N.A.

Abdallah and Jennifer Boumarate appeal a final judgment of foreclosure entered in favor of HSBC Bank following a bench trial. This is the Boumarates’ second appeal in this case. They first appealed the trial court’s entrance of summary judgment in favor of the Bank, and this Court reversed. See Boumarate v. HSBC Bank USA, N.A. (Boumarate I), 109 So.3d 1239 (Fla. 5th DCA 2013). We again reverse.

At trial, the Bank introduced copies of the note and mortgage as well as a copy of the Boumarates’ loan transaction history. The note was made payable to Novelle Financial Services. The Bank’s only…