Deutsche Bank Nat'l Tr. Co. Am's v. Banu

2022 NY Slip Op 03231

Deutsche Bank National Trust Company Americas, etc., respondent, v. Begum Selina Banu, etc., appellant, et al., defendants.

Nos. 2019-12076, 2019-12077

Index No. 703015/15

Supreme Court of New York, Second Department

May 18, 2022

Fadullon Dizon Krul, LLP, Jericho, NY (Juan Paolo F. Dizon and Alexander Krul of counsel), for appellant.

McCabe, Weisberg & Conway, LLC (Locke Lord LLP, New York NY [Shawn A. Brenhouse], of counsel), for respondent.

FRANCESCA E. CONNOLLY, J.P., SHERI S. ROMAN, JOSEPH J. MALTESE, LINDA CHRISTOPHER, JJ.

DECISION & ORDER

In an action to foreclose a mortgage, the defendant Begum Selina Banu appeals from (1) an order of the Supreme Court, Queens County (Frederick D. R. Sampson, J.), entered September 14, 2017, and (2) an order and judgment of foreclosure and sale (one paper) of the same court entered September 30, 2019. The order, insofar as appealed from, granted those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against the defendant Begum Selina Banu, to strike that defendant's answer, and for an order of reference. The order and judgment of foreclosure and sale, upon the order, granted the plaintiff's motion to confirm the referee's report and for a judgment of foreclosure and sale, confirmed the referee's report, and directed the sale of the subject property.

ORDERED that the appeal from the order is dismissed; and it is further, ORDERED that the order and judgment of foreclosure and sale is reversed, on the law, those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against the defendant Begum Selina Banu, to strike that defendant's answer, and for an order of reference are denied, the plaintiff's motion to confirm the referee's report and for a judgment of foreclosure and sale is denied, and the order is modified accordingly; and it is further, ORDERED that one bill of costs is awarded to the defendant Begum Selina Banu.

The appeal from the order must be dismissed because the right of direct appeal therefrom terminated with the entry of the order and judgment of foreclosure and sale in the action (see Matter of Aho, 39 N.Y.2d 241, 248). The issues raised on the appeal from the order are brought up for review and have been considered on the appeal from the order and judgment of foreclosure and sale (see CPLR 5501[a][1]).

The plaintiff commenced this action to foreclose a mortgage on real property located in Queens against the defendant Begum Selina Banu (hereinafter the defendant), among others. The defendant interposed an answer in which she asserted various affirmative defenses, including that the plaintiff failed to provide notices required under the mortgage. On August 10, 2015, the defendant filed a note of issue and certificate of readiness.

On April 12, 2016, the plaintiff moved, inter alia, for summary judgment on the complaint insofar as asserted against the defendant, to strike her answer, and for an order of reference. In an order entered September 14, 2017, the Supreme Court granted the plaintiff's motion and referred the matter to a referee to compute the amount due. The plaintiff thereafter moved to confirm the referee's report and for a judgment of foreclosure and sale. In an order and judgment of foreclosure and sale entered September 30, 2019, the court granted that motion, confirmed the referee's report, and directed the sale of the subject property. The defendant appeals.

"Where, as here, no deadline is set by the court for the making of summary judgment motions, no such motion may be made more than 120 days after the filing of the note of issue, 'except with leave of court on good cause shown'" (Johnson v Peconic Diner, 31 A.D.3d 387, 387, quoting CPLR 3212[a]). "Absent a 'satisfactory explanation for the untimeliness,' constituting good cause for the delay, an untimely summary judgment motion must be denied without consideration of the merits" (Dojce v 1302 Realty Co., LLC, 199 A.D.3d 647, 649, quoting Brill v City of New York, 2 N.Y.3d 648, 652; see Nationstar Mtge., LLC v Weisblum, 143 A.D.3d 866, 869).

Here, the plaintiff failed to proffer a satisfactory explanation for its delay in moving for summary judgment until eight months after the filing of the note of issue. The plaintiff's assertion that counsel was awaiting the receipt of an affidavit from the plaintiff's loan servicer to file with the motion did not constitute good cause for the delay in making the motion (see Lyebyedyev v Hoffman, 84 A.D.3d 751, 752). The plaintiff offered no explanation as to why it could not timely obtain the affidavit (see Jones v Pinnacle Dunbar Manor, LLC, 84 A.D.3d 578, 578-579; Dettmann v Page, 18 A.D.3d 422, 423). Moreover, the plaintiff offered no explanation for the three-month delay between execution of the affidavit and its submission of the motion (see Tower Ins. Co. of N.Y. v Razy Assoc., 37 A.D.3d 702, 702-703). The plaintiff's contentions that its motion, inter alia, for summary judgment was actually timely under an order of the referee, and that the note of issue was improperly filed, raised for the first time on appeal and based on matter dehors the record, are not properly before this Court (see U.S. Bank N.A. v Carlin, 186 A.D.3d 1563, 1565; Graham v Courtesy Transp. Servs., Inc., 145 A.D.3d 966, 968). Accordingly, the Supreme Court should have denied the plaintiff's motion as untimely.

In any event, to the extent that the Supreme Court considered the plaintiff's motion, it should have denied, on the merits, those branches of the motion which were for summary judgment on the complaint insofar as asserted against the defendant, to strike her answer, and for an order of reference. Generally, in moving for summary judgment in a mortgage foreclosure action, a plaintiff establishes its prima facie case through the production of the mortgage, the unpaid note, and evidence of default (see U.S. Bank N.A. v Fabbro, 192 A.D.3d 1178, 1178; 21st Mtge. Corp. v Broderick, 191 A.D.3d 744, 745). Additionally, "[w]here it is alleged that a plaintiff has failed to comply with a condition precedent to the enforcement of a mortgage, the plaintiff must proffer sufficient evidence to establish, prima facie, that it complied with the condition precedent" (U.S. Bank N.A. v Kochhar, 176 A.D.3d 1010, 1012; see CPLR 3015[a]; Bank of N.Y. Mellon v Sae Young Min, 201 A.D.3d 854; Caliber Home Loans, Inc. v Weinstein, 197 A.D.3d 1232, 1237).

Here the plaintiff failed to...