SUPERIOR COURT OF NEW JERSEY

APPELLATE DIVISION

DOCKET NO. A-4458-17T4

U.S. BANK NATIONAL

ASSOCIATION, as Indenture 

Trustee on Behalf of and with

Respect to Ajax Mortgage 

Loan Trust 2016-C, 

Mortgage-Backed 

Notes, Series 2016-C,

Plaintiff-Respondent,

v.

GUADALUPE 

BERNARDEZ-HICKS,

a/k/a GUADALUPE B. HICKS, 

her heirs, devisees, and personal

representatives and his/her,

their, or any of their successors 

in right, title and interest,

BERNARD E. HICKS, her 

husband, his heirs, devisees, 

and personal representatives and 

his/her, their, or any of their 

successors in right, title

and interest, and BONNIE L. 

ARUNHAMMER,

Defendants-Appellants.

________________________________

NOT FOR PUBLICATION WITHOUT THE

APPROVAL OF THE APPELLATE DIVISION

This opinion shall not "constitute precedent or be binding upon any court." Although it is posted on the 

internet, this opinion is binding only on the parties in the case and its use in other cases is limited. R. 1:36-3.
2

A-4458-17T4

Telephonically argued June 3, 2020 –

Decided July 15, 2020

Before Judges Koblitz, Whipple and Mawla.

On appeal from the Superior Court of New Jersey, 

Chancery Division, Essex County, Docket No. F038588-14.

Michael Roland Curran argued the cause for appellant.

Michael D. Mezzacca, Bourne, Noll, & Kenyon, and 

Jeanette J. O'Donnell, Powers Kirn, LLC, argued the 

cause for respondent (Bourne, Noll, & Kenyon, and 

Powers Kirn, LLC, attorneys; Michael D. Mezzacca, 

of counsel and on the brief; Jeanette J. O'Donnell, on 

the brief).

PER CURIAM

Defendants Guadalupe Bernardez-Hicks (G. Hicks) and Bernard E. Hicks 

(B. Hicks) appeal from a September 1, 2017 foreclosure judgment entered in 

favor of plaintiff U.S. Bank National Association as Indenture Trustee on behalf 

of and with respect to Ajax Mortgage Loan Trust 2016-C, Mortgage-Backed 

Notes, Series 2016-C (U.S. Bank).

1

 Defendants' arguments center on allegations 

 

1

In their amended notice of appeal, defendants specified that they were 

appealing from six orders entered by three judges, in addition to the judgment 

of foreclosure. In their brief, they discuss four orders, granting summary and 

final judgment and denying reconsideration, which we consider in this opinion. 

Any issues with other orders not briefed are deemed waived. Sklodowsky v. 

Lushis, 417 N.J. Super. 648, 657 (App. Div. 2011).
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of forgery of the mortgage and defective assignments. The trial court found that 

defendants failed to prove the signature of B. Hicks on the mortgage was forged 

and failed to establish a genuine issue of material fact regarding plaintiff's prima 

facie right to foreclose. We affirm.

I.

This matter, as many foreclosures, has a complicated procedural history.

2

 

We relate the most significant parts. On July 27, 1994, defendants purchased a 

residence in Bloomfield as a married couple. Defendants filed for Chapter 7 

bankruptcy in March 2000 with the United States Bankruptcy Court, which was

terminated in December 2000. The parties divorced in October 2000. 

On November 6, 2006, according to plaintiff's documents, G. Hicks 

executed a note in favor of Gateway Funding Diversified Mortgage Services 

L.P. DBA Ivy Mortgage (Gateway Funding) in the amount of $226,751. On that 

same day, both defendants executed a mortgage on the Bloomfield property, in 

favor of Mortgage Electronic Registration Systems, Inc. (MERS) as nominee for 

Gateway Funding, which was recorded on November 29, 2006. 

 

2 We have considered only documents available to the trial court as set forth 

in our September 20, 2019 order.
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A-4458-17T4

Prior to the filing of the foreclosure complaint, MERS, as nominee for 

Gateway Funding, assigned the note and mortgage on September 26, 2011, to 

Bank of America, N.A., successor by merger to BAC Home Loans Servicing, 

LP f/k/a Countrywide Home Loans Servicing, LP, (Bank of America), which 

was recorded on October 20, 2011. Bank of America assigned the note and 

mortgage on February 7, 2014, to the Secretary of Housing and Urban 

Development (HUD), which was recorded on May 9, 2014. HUD subsequently 

assigned the note and mortgage to Bayview Loan Servicing, LLC (Bayview), 

the original plaintiff, which was recorded on June 17, 2014. 

G. Hicks defaulted on the $1377.77 monthly payment due August 1, 2010. 

Defendants claim, without documentary evidence, to have sent further payments 

totaling $8000, but the checks were "lost" by Bank of America. Plaintiff mailed 

G. Hicks a notice of intent to foreclose dated April 18, 2014. 

After the foreclosure complaint was filed on September 16, 2014, 

Bayview assigned the note and mortgage to Bayview Dispositions, IIIa LLC, 

which was recorded on December 3, 2014. Bayview Dispositions then assigned 

the note and mortgage to Great Ajax Operating Partnership L.P. (Great Ajax), 

which was also recorded on December 3, 2014. Shortly thereafter, Great Ajax 

assigned the note and mortgage to U.S. Bank National Association, as Indenture 
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A-4458-17T4

Trustee on behalf of and with respect to Ajax Mortgage Loan Trust 2014-B, 

Mortgaged-Backed Notes, Series 2014-B, (U.S. Bank N.A., as Trustee Series 

2014-B), which was recorded on December 9, 2014. U.S. Bank N.A., as Trustee 

Series 2014-B, assigned its interest in the note and mortgage to plaintiff U.S. 

Bank, by assignment dated November 14, 2016 and recorded in Essex County 

on November 29, 2016. 

On September 16, 2014, Bayview filed a foreclosure complaint against 

defendants. On February 19, 2015, the court denied defendants' motion to 

dismiss and ordered counsel to accept service for B. Hicks, and denied 

Bayview's cross-motion for order to substitute plaintiff without prejudice. 

Defendants' motion for reconsideration was denied on June 11, 2015. On 

March 4, 2016, Bayview filed a motion to substitute plaintiff and motion for 

summary judgment with attached certifications and exhibits from Nicole 

Whitmer, Linda Percoco, Michael D. Mezzacca, and Rebecca Giudici. 

Defendants filed a cross motion for summary judgment, partial summary 

judgment and various forms of relief. On May 5, 2016, Bayview filed 

supplemental certifications and exhibits from Naomi Hernandez, Paige Bellino, 

and Mezzacca.
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A-4458-17T4

The court issued an order and written opinion on June 27, 2016, granting 

Bayview's motion for summary judgment, denying defendants' cross-motion, 

and granting substitution of Bayview with U.S. Bank N.A., as Trustee Series 

2014-B. Defendants filed an unsuccessful motion for reconsideration. 

On January 19, 2017, the court entered an order substituting U.S. Bank 

N.A., as Trustee Series 2014-B with current plaintiff U.S. Bank. Defendants 

filed other unsuccessful motions in January and February 2017. The final 

judgment and writ of execution were entered on September 1, 2017. 

A stay of the sheriff sale was granted five times. Defendants' final 

application for a stay was denied on June 4, 2018, and they subsequently 

unsuccessfully sought to set aside the sheriff's sale. 

II.

We review a trial court's decision to grant or deny a motion to dismiss de 

novo. Smith v. Datla, 451 N.J. Super. 82, 88 (App. Div. 2017). We review a 

grant of summary judgment applying the same standard used by the trial 

court. Steinberg v. Sahara Sam's Oasis, LLC, 226 N.J. 344, 366 (2016). 

"Summary judgment is appropriate where the evidence fails to show a genuine 

issue as to any material fact challenged and the moving party is entitled to 

judgment as a matter of law." Allstate Ins. Co. v. Fisher, 408 N.J. Super. 289, 
7

A-4458-17T4

299 (App. Div. 2009). In reviewing summary judgment motions, we "view the 

'evidential materials . . . in the light most favorable to the non-moving party.'" 

Cortez v. Gindhart, 435 N.J. Super. 589, 605 (App. Div. 2014) (quoting Brill v. 

Guardian Life Ins. Co. of Am., 142 N.J. 520, 540 (1995)). However, "an adverse 

party may not rest upon the mere allegations or denials of the pleading . . . [to 

show] that there is a genuine issue for trial." R. 4:46-5(a).

A trial judge's evidentiary decisions made in the context of a summary 

judgment application are reviewed under the abuse of discretion standard. 

Estate of Hanges v. Metro. Prop. & Cas. Ins. Co., 202 N.J. 369, 383-84 (2010). 

"A certification will support the grant of summary judgment only if the material 

facts alleged therein are based, as required by Rule 1:6-6, on 'personal 

knowledge.'" Wells Fargo Bank, N.A. v. Ford, 418 N.J. Super. 592, 599 (App. 

Div. 2011).

"As a general proposition, a party seeking to foreclose a mortgage must 

own or control the underlying debt" in order to have "standing to proceed with 

the foreclosure action." Deutsche Bank Nat'l Tr. Co. v. Mitchell, 422 N.J. Super. 

214, 222 (App. Div. 2011) (quoting Ford, 418 N.J. Super. at 597). However, 

"either possession of the note or an assignment of the mortgage that predated 
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A-4458-17T4

the original complaint confer[s] standing." Deutsche Bank Tr. Co. Americas v. 

Angeles, 428 N.J. Super. 315, 318 (App. Div. 2012).

III.

Defendants argue that plaintiff should have been denied relief due to: "(a) 

a forged mortgage; (b) an invalid set of assignments (2011-2014); (c) nonpossession of the note; (d) conflicts in the transfers; and (e) false certifications." 

The trial court made the following finding on the record:

I don't find any basis under Rule 4:6-2 or otherwise to 

dismiss the complaint. . . . 

Plaintiff's complaint in short alleges a cause of 

action for foreclosure sufficient to survive this motion 

to dismiss. It sets forth the information required by 

Rule 4:64-1B. It alleges facts that if proven will 

establish plaintiff's prima facie right to foreclose that a 

note and mortgage were executed. That there was a 

default under the terms of the loan. That plaintiff has 

possession of the note and assignment of mortgage and 

that notice requirements of the Fair Foreclosure Act 

have been complied with. This is enough under 

[Printing Mart-Morristown v. Sharp Electronics Corp., 

116 N.J. 739, 746 (1989)].

Now, assuming for purposes of this motion only that 

[B. Hick's] signature on the mortgage and perhaps 

various other documents was forged this would not 

render the note and mortgage void as they pertain to [G. 

Hicks]. She admits executing both documents. The 

defendants apparently became tenants in common after 

their divorce and what we can tell through counsel they 

remain such. A tenant in common does have the right 
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A-4458-17T4

to encumber his or her interests and even transfer same 

without consent. But, of course we . . . realize that 

when a mortgage loan is made a lender [wants] to 

assure itself that it has . . . a lien that is good with 

respect to the entire property[. T]he validity of the loan 

documents cannot be adjudicated today. I cannot do 

that as a matter of law and therefore, there is no way I 

would dismiss the complaint. These are obviously 

hotly contested facts. If . . . there was a forgery, yes the 

instrument is void ab initio. But . . . it is no more than 

a defense at this point. And it will have to be 

demonstrated. 

The motion court properly found that plaintiff's complaint was sufficient to 

establish a prima facie case although a number of factual contentions were in 

dispute. 

Defendants argue that the January 26, 2015 certification of co-counsel 

Michael Mezzacca was defective because it was not certified "under penalties 

of perjury" or "with normal language in a New Jersey certification." In addition 

to the certification, defendants also argue that the complaint was defective 

because it was "written in a style that no pro se party could comprehend," it did 

not contain the value or amount of the debt involved, and was not in compliance 

with the requirements of Rule 4:64-1(b)(10) detailing the contents of mortgage 

foreclosure complaint.
10 A-4458-17T4

Defendants claim that there is "one key assignment" allegation in the 

complaint that is invalid on its face: the September 26, 2011 assignment. The 

complaint states:

4. The Plaintiff is the holder of the obligation, and the 

mortgage referred to in paragraph 2 above was assigned 

as follows:

4-a. [MERS] as nominee for [Gateway Funding] 

assigned its mortgage to [Bank of America] by 

assignment recorded on October 20, 2011 in 

Assignment Book 12332 at page 5996 in the aforesaid 

office.

The assignment of mortgage dated September 26, 2011, states:

For [v]alue [r]eceived, the undersigned holder of a 

[m]ortgage (herein "Assignor") whose address is 3300 

S.W. 34TH AVENUE, SUITE 101 OCALA, FL 34474 

does hereby grant, sell, assign, transfer and convey unto 

[BANK OF AMERICA], whose address is 400 

NATIONAL WAY, SIMI VALLEY, CA 93065 all 

beneficial interest under that certain [m]ortgage 

described below together with the [n]ote(s) and 

obligations therein described and the money due and to 

become due thereon with interest and all rights accrued 

or to accrue under said [m]ortgage.

MERS is listed as the undersigned and Gateway Funding is listed as the original 

lender. 

Defendants argue that the original assignment neither states that "[Bank 

of America], etc. is the assignee," nor that "MERS is assigning 'solely as 
11 A-4458-17T4

nominee' of Gateway, which is fatal to the legal effect of the assignment, making 

the complaint allegation and all else false." They assert that the September 2011 

assignment should have been signed by a MERS "officer" on behalf of " [MERS] 

solely as nominee for [Gateway Funding]" instead of having MERS alone as the 

assignor. Defendants argue that while the court acknowledged this defect and 

advised that it should be corrected, the court only denied the motion to substitute 

without prejudice instead of dismissing the case. 

The court properly found, as it did during the initial denial of defendants' 

motion to dismiss, that issues of fact regarding standing, fraud and forgery 

claims needed to be explored in discovery. The court stated:

Plaintiff is not required to conclusively prove it 

has standing when filing the complaint or on a motion 

to dismiss for failure to state a claim. All that is 

required is that the facts alleged in the complaint, the 

validity, execution and delivery of the documents, the 

default and the right to foreclose. The complaint here 

included all of the necessary elements for a foreclosure 

complaint as set forth in Rule 4:64-1(b)(1) [to] (13). It 

complied with the court rule. A court should accept all 

factual assertions made in the complaint as true and 

give every reasonable inference to the complainant. 

According to Smith v. SBC Communications, 178 N.J. 

265, 268 (2004).

I mean in short there really is no basis to 

reconsider or to dismiss a complaint even if there is a 

legitimate issue about fraud and/or forgery, or whether 

there is a legitimate issue about standing. That is 
12 A-4458-17T4

properly dealt with once an answer has been filed. 

Discovery is undertaken as part of case management 

and a motion for summary judgement is made. That's 

the first time the court really gets a chance to vet those 

issues. . . . There's no new evidence sufficient to require 

reconsideration and there's nothing further for the 

[c]ourt to reexamine from the last time.

The court did not abuse its discretion in denying defendants' motion for 

dismissal, nor in denying reconsideration. 

IV.

Defendants argue that plaintiff's March 4, 2016 motion for summary 

judgment was defective because the material presented was "almost wholly 

concerned with the irrelevant child support obligations of [B. Hicks], failed to 

adequately cite the record and had blank spaces left to fill in, in the form of the 

identity of who was going to be certifying certain evidence," and failed to meet 

Rule 4:46-2(a) and (b). They assert that plaintiff did not submit any "real facts" 

and the court was "entirely dismissive of the importance of this defect and made 

an inaccurate assessment." 

Defendants argue that the court first erred by accepting an August 27, 

2015 certification, which failed to satisfy Rule 4:64-2(c), from a witness in 

Oregon on March 4, 2016, and then subsequently erred by permitting plaintiff 

to submit an undated certification by another witness on May 3, 2016, to replace 
13 A-4458-17T4

the previous certification. They argue that, other than these "hearsay 

certifications," there was "no evidence that non-appearing Gregory Funding 

serviced the loan." 

Defendants assert that on three court dates, November 10, 2014, January 

27, 2015, and March 4, 2016, the "affiants" were alleged as employees for 

Gregory Funding, appearing for U.S. Bank, although Bayview was still the 

alleged party and substitution had not occurred yet. Defendants argue that the 

"use of an agent for a non-substituted party was void." 

The court made the following finding with regard to the certifications:

Both of these certifications comply with [Rule] 1:6-6 

and the business records exception to hearsay. 

However, for purposes of this motion, the [c]ourt will 

rely on the Hernandez [c]ertification because it is 

"sworn to not more than 90 days prior to its presentation 

to the court" in accordance with [Rule] 4:64-2(c). The 

Hernandez [c]ertification clearly provides competent 

evidence in support of [p]laintiff[']s summary judgment 

motion. Hernandez certifies that she is a [l]itigation 

[s]pecialist for Gregory Funding and that Gregory 

Funding is U.S. Bank's servicer with access to the loan 

files and records of U.S. Bank. . . . Hernandez further 

certifies that Gregory Funding, on behalf of U.S. Bank, 

keeps and maintains its loan files and records during the 

regular course of its business. . . . In addition, 

Hernandez, in compliance with [Rule] 1:6-6, certifies 

that she has personally reviewed the records in this case 

and has personal knowledge of the relevant facts based 

on her review of U.S. Bank's business records. . . .

Hernandez further explains that Gregory Funding's 
14 A-4458-17T4

records were integrated with the prior servicer (and 

original [p]laintiff), Bayview Loan Servicing, and thus 

she has access to Bayview's records as well. 

Accordingly, the [c]ourt finds that the Hernandez 

[c]ertification complies with the requirements of [Rule] 

1:6-6, and satisfies the business records exception.

Defendants dispute the accuracy of the following statement from the 

court's written opinion: "Accordingly, [d]efendants have produced no original 

signature exemplars that predate this controversy, or other documents which 

were signed by [B. Hicks] in connection with this loan or other loans, from 

which this [c]ourt would have the ability to make a finding of fact." 

After analyzing the evidence brought forth by defendants, the court

determined that defendants "failed to produce any evidence during discovery to 

support their claim that [B. Hicks'] signature was forged." The court pointed 

out that when plaintiff requested signature exemplars from B. Hicks, he did not 

provide a sample and instead, referred plaintiff to a signature at the end of 

defendants' response to interrogatories and in photocopies on other documents. 

Citing N.J.S.A. 2A:82-1, the court found that B. Hicks' signature on the 

interrogatories or on a photocopy form would be inadmissible because they were 

not "original signature exemplars that predate[d] this controversy." As a result, 

the court concluded that defendants failed to provide the "requisite proofs to 

establish a forgery." 
15 A-4458-17T4

Furthermore, defendants argue that the court "sidestepped the 

questionable notarization on the mortgage without holding a hearing," and its 

assessment was erroneous. They argue that the March 4, 2016 certification was 

unsigned and "vague and ambiguous" as to the notary's memory of what had 

happened. Defendants claim that the notary's stamp was used to notarize the 

mortgage when the notary was not present. 

In response to this argument, the court cited to the notary requirements set 

forth under N.J.S.A. 46:14-2.1 and the presumption of validity once the notary 

signs the certificate of acknowledgement. The court found that defendants failed 

to rebut the presumption of validity as to the notarized signature and the 

argument was "pure speculation." 

Defendants also question the authenticity of the note. The court made the 

following finding:

Defendants claim that there are different versions 

of the [n]ote and thus the [c]ourt cannot rely on the 

[n]ote presented with this motion. However, after 

considering the arguments made by both parties, it is 

apparent that [d]efendants' claim is unsupported by the 

facts in the record. Defendants were clearly provided 

with copies of the [n]ote at different stages of its 

possession. A review of these copies show that one 

contained the indorsement of only the original lender 

while the other versions contain additional 

indorsements but not the allonge. However, [p]laintiff 

corrected this problem by clarifying that the original, 
16 A-4458-17T4

complete [n]ote does contain an allonge, and have 

submitted a complete version with the allonge attached 

along with its moving papers and the Hernandez 

[c]ertification. . . . Defendants have inspected the 

original [n]ote with the allonge and [p]laintiff has also 

brought it into this [c]ourt for further inspection by 

[d]efendants. There is a presumption of validity as to 

these documents. Garden State Bank v. Graef, 341 N.J. 

Super. 241, 245 (App. Div. 2001). None of the other 

"versions" of the [n]ote provided by [d]efendants differ 

on their face from the copy plaintiff submitted. Thus, 

it is reasonable to conclude that the different version of 

the [n]ote are from various stages of assignment of the 

loan. In fact, it is also reasonable to conclude that the 

allonge was omitted from the discovery submission. 

When the [c]ourt observed the original [n]ote submitted 

by [p]laintiff at oral argument, this version too had an 

allonge attached. Accordingly, there is no material 

question of fact that the [n]ote submitted by [p]laintiff 

in support of its motion for summary judgment is the 

original and only [n]ote in connection with this loan.

The court provided a thorough analysis of the issues raised by defendants 

in a lengthy thirty-two-page opinion. The court's findings of fact are supported 

by the record and it did not err in granting plaintiff's motion for summary 

judgment. We affirm substantially for the reasons set forth in that September 1, 

2017 opinion.

Affirmed.