Stallings v. Citimortgage, Inc.

JERRY E. SMITH, Circuit Judge: *

The plaintiff homeowners appeal the dismissal of certain state-law claims against their bank after they defaulted on their home loan and the bank foreclosed. Because the claims lack merit, we affirm.

I

Jackson and Sheila Stallings refinanced their home loan in 2002, executing a note and deed of trust (“DOT”) that were assigned to CitiMortgage, Inc. (“Citi”). In March 2010, the Stallingses defaulted and made no more payments. Citi sent several notices alerting them to the default and giving the opportunity to cure, but they did not bring the loan current. In…