Congress v. U.S. Bank, N.A.

THOMAS, Judge.

In July 2006, Erica Sumpter Congress executed a mortgage to Mortgage Electronic Registration Systems, Inc. *1166(“MERS”), as nominee for Mortgage Lenders Network USA, Inc. (“MLN”), and a promissory note for the principal amount of $104,400 in favor of MLN. MLN sold Congress’s note to EMAX Financial Group (“EMAX”); the note contains an indorsement to EMAX. EMAX then sold the note to Residential Funding Company, LLC (“RFC”). The indorsement to RFC is not contained on the note itself; instead, the indorsement is on a separate paper called an allonge. Shortly thereafter, RFC…