Brown v. First Horizon Home Loan Corp.

I respectfully dissent.

Section 443.130.2 requires only that a mortgagor send a demand letter to the mortgagee by certified mail, return receipt requested. The only statutory requirements for the content of the demand letter are that it “include good and sufficient evidence that the debt secured by the deed of trust was satisfied with good funds” and that the mortgagor advance funds for “the expense of filing and recording the release-” Section 443.130.2. “[N]o particular form of words is necessary for the demand; it is sufficient if it informs the mortgagee with reasonable certainty that an…