DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
FOURTH DISTRICT
July Term 2010
GUISEPPE SERVEDIO
a/k/a Joseph Servedio,
Appellant,
v.
US BANK NATIONAL ASSOCIATION, as Indenture Trustee, on behalf of
the holders of Terwin Mortgage Trust 2007-AHL1, Asset-Backed
Securities Series 2007-AHL1,
Appellee.
No. 4D10-1898
[October 27, 2010]

The  issue presented in this appeal  is whether the trial court erred  in  granting a final  summary  judgment of  foreclosure where appellee  failed  to file with the court a copy of the original note and mortgage prior to the  entry of  judgment.   Because  the absence  of  the  original note  created a  genuine  issue of material  fact  regarding appellee’s standing  to  foreclose  on the mortgage, summary judgment was not proper. We reverse.

Even  if  the  trial  court  considered  the  note  and mortgage  at  the hearing,  the documents were not authenticated,  filed, and served more than twenty days before  the hearing as  required by Rules 1.510(c) and 1.510(e).   Appellee’s  failure  to  abide  by  these  rules  also  necessitates reversing  the order granting summary  judgment.   Verizzo, 28 So. 3d at 977-78; Mack v. Commercial  Indus. Park,  Inc., 541 So. 2d 800  (Fla. 4th DCA 1989).

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Servedio v USBank