Wilmington Sav. Fund Soc'y, FSB v. Needham

*1279[¶1] Wilmington Savings Fund Society, FSB, d/b/a Christiana Trust, not individually but as Trustee for Hilldale Trust, appeals from a judgment in favor of Matthew J. Needham1 entered in the Superior Court (Androscoggin County, MG Kennedy, J. ) after a bench trial on Wilmington's foreclosure complaint. For the reasons discussed below, we vacate the judgment and remand the matter for entry of judgment for Wilmington.

I. CASE HISTORY

[¶2] The following facts are undisputed. In August 2005, Needham signed a promissory note in favor of EquiFirst Corporation that was secured by a mortgage on his real…