Lorrie Thompson v. Bank of America, N.A.

OPINION

SILER, Circuit Judge.

This appeal concerns the extent to which the securitization of a mortgage note might affect the borrower’s obligations to repay the loan or cloud the property’s title. Lorrie Thompson was facing foreclosure. She asked Bank of America (BOA) to modify her repayment plan under the federal Home Affordable Modification Program (HAMP). BOA denied the modification on the grounds of insufficient documentation, even though she sent BOA the requested documents several times. She filed suit, seeking to quiet title and alleging, among other things, various theories of fraud.…