Opinion
2013-03540
03-18-2015
AURORA LOAN SERVICES, LLC, respondent, v. Ria ENAW, et al., appellants, et al., defendants.
Langone & Associates, PLLC, Garden City, N.Y. (Richard M. Langone of counsel), for appellants. Knuckles, Komosinski & Elliott LLP, Elmsford, N.Y. (Allison J. Marden of counsel), for respondent.
Langone & Associates, PLLC, Garden City, N.Y. (Richard M. Langone of counsel), for appellants.
Knuckles, Komosinski & Elliott LLP, Elmsford, N.Y. (Allison J. Marden of counsel), for respondent.
RANDALL T. ENG, P.J., LEONARD B. AUSTIN, JEFFREY A. COHEN and BETSY BARROS, JJ.
Opinion In an action to foreclose a mortgage, the defendants Ria Enaw and Augustin G. Enaw appeal, as limited by their brief, from so much of an order of the Supreme Court, Suffolk County (Jones, Jr., J.) dated January 9, 2013, as granted those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against them and dismissing their counterclaims.
ORDERED that the order is affirmed insofar as appealed from, with costs.
The plaintiff established its prima facie entitlement to judgment as a matter of law on the complaint insofar as asserted against the appellants by the production of the mortgage, the unpaid note, and evidence of default (see U.S. Bank N.A. v. Weinman, 123 A.D.3d 1108, 2 N.Y.S.3d 128 ; Plaza Equities, LLC v. Lamberti, 118 A.D.3d 688, 689, 986 N.Y.S.2d 843 ; Solomon v. Burden, 104 A.D.3d 839, 961 N.Y.S.2d 535 ; Baron Assoc. LLC v. Garcia Group Enters., Inc., 96 A.D.3d 793, 793, 946 N.Y.S.2d 611 ; Petra CRE CDO 2007–1, LLC v. 160 Jamaica Owners, Inc., 73 A.D.3d 883, 884, 904 N.Y.S.2d 699 ).
In opposition to the plaintiff's motion for summary judgment, the appellants failed to raise a triable issue of fact. The appellants' defense of fraud is without merit. The assertion made by the appellant Ria Enaw, to the effect that she had been led to believe that a reduced monthly payment in the sum of $2,666.01 was guaranteed to remain in effect at least until June 2014, was contradicted both by the terms of the note itself and by the final Truth–In–Lending disclosure statement that was signed by her and the appellant Augustin G. Enaw on March 27, 2007. Any expectation that the appellants would benefit from an annual interest rate of 1.25%, as set forth in a good faith estimate, is flatly contradicted by the interest rate, as set forth on the note itself, and the annual percentage rate that is set forth on the final Truth–in–Lending disclosure statement. A borrower may not properly claim to have reasonably relied on representations that are plainly at odds with the loan documents governing the terms of the loan (see generally Solomon v. Burden, 104 A.D.3d 839, 961 N.Y.S.2d 535 ; Bontempts v. Aude Constr. Corp., 98 A.D.3d 1071, 1073, 951 N.Y.S.2d 561 ; Grand Pac. Fin. Corp. v. 97–111 HALE, LLC, 90 A.D.3d 534, 935 N.Y.S.2d 17 ; Eastern Sav. Bank, FSB v. Sassouni, 68 A.D.3d 917, 892 N.Y.S.2d 421 ).
The appellants' remaining contentions are without merit.
Accordingly, the Supreme Court properly granted those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against the appellants and dismissing their counterclaims.