Lirris Smith Gallimore v. Bank of America, National Association

Appellant, the Homeowner, appeals the trial court’s final judgment of foreclosure in favor of Appellee, the Bank. The Homeowner makes several arguments on appeal. We agree with the Homeowner that the Bank failed to prove it had standing at the time suit was filed, and therefore reverse. Because we reverse based on the lack of standing, we do not address the Homeowner’s additional arguments on appeal.

Factual Background and Trial Court Proceedings

In January 2009, the Bank filed a two-count complaint against the Homeowner. Count I sought mortgage foreclosure and Count II sought enforcement of a…