NOT FINAL UNTIL TIME EXPIRES TO FILE REHEARING 

MOTION AND, IF FILED, DETERMINED 

IN THE DISTRICT COURT OF APPEAL 

OF FLORIDA 

SECOND DISTRICT 

GEORGE A. ANDRASI and EDITH S. ) 

ANDRASI, ) 

 ) 

 Appellants, ) 

 ) 

v. ) Case No. 2D13-4767 

 ) 

JPMORGAN CHASE BANK, NATIONAL ) 

ASSOCIATION, ) 

 ) 

 Appellee. ) 

 ) 

Opinion filed August 11, 2017. 

Appeal from the Circuit Court for Sarasota 

County; Rick DeFuria, Judge, and Harry 

Rapkin, Senior Judge. 

H. Daniel McKillop of McKillop Law Firm, 

Sarasota, for Appellants. 

William L. Grimsley of McGlinchey Stafford, 

Jacksonville, for Appellee. 

VILLANTI, Judge. 

George and Edith Andrasi seek review of the final judgment of foreclosure 

entered in favor of JPMorgan Chase Bank, National Association (the Bank), after a 

bench trial. The Andrasis raise two issues on appeal, one relating to standing and one 

relating to the amounts included in the final judgment. We reject without comment the 
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Andrasis' standing argument and therefore affirm the judgment to the extent that it 

awards foreclosure. However, because the final judgment includes awards of damages 

that were specifically waived by the Bank during trial, we reverse the amount of 

indebtedness included in the final judgment and remand with instructions. 

 The Bank filed its foreclosure complaint against the Andrasis in 

September 2008. After a lengthy pretrial process, the case was tried to the court on 

August 26, 2013. During trial, the court admitted into evidence a copy of the promissory 

note1 signed by Edith Andrasi.2 This note had a face value of $500,000; however, it 

was an adjustable rate note with a negative amortization provision. Hence, under 

certain circumstances, the principal amount owed under the note could increase during 

the term of the note. 

 In addition to the note, the trial court also admitted into evidence a 

transaction history of the Andrasis' loan. This document showed that the principal 

balance of the note was $535,347.38 at the time of default. The Bank argued that the 

transaction history also substantiated various other amounts for which it sought 

judgment, including accrued interest, late fees, property tax expenditures, insurance 

expenditures, and the like. However, when the Andrasis challenged the factual basis 

for these amounts, the Bank told the court that it was introducing the transaction history 

to prove only the existence of the default and the amount of principal owed. At that 

point, the following ensued: 

 1The original note had been previously filed in the court file. 

2While only Edith Andrasi signed the promissory note, both Edith and 

George Andrasi signed the mortgage. 
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 MR. McKILLOP [Counsel for the Andrasis]: 

Just to clarify, are you only looking for principal or are you 

looking for everything? 

 MR. MILANI [Counsel for the Bank]: We're 

only looking for the principal balance. 

 MR. McKILLOP: So I won't ask on anything 

other than principal. 

(Emphasis added.) Nevertheless, a short time later, the Andrasis asked the Bank's 

witness whether he could explain some of the figures on the transaction history. The 

Bank objected again, stating specifically "we are only establishing the principal balance. 

None of the other figures are going to be included in our final judgment." (Emphasis 

added.) With this assurance, the Andrasis then ceased pursuing this line of 

questioning. 

 After both parties rested their cases, the court ruled in favor of the Bank, 

and it asked counsel for the Bank to hand it the proposed final judgment that the Bank 

brought to the trial. Before handing the document to the court, counsel for the Bank 

stated, "I'm just going to strike out all of the added figures," referring to the amounts 

other than the principal balance. However, the court apparently took the proposed final 

judgment from counsel before he could finish these edits. Hence, when the Andrasis 

asked for the amount of the judgment, the court replied, "$535 – oh, that's the principal. 

$704,334." The court then signed the proposed final judgment without striking the 

amounts other than the principal balance. The Andrasis brought this timely appeal. 

 In their brief, the Andrasis argue that the evidence presented at trial was 

insufficient to support the amount of indebtedness included in the final judgment for two 

reasons: first because the evidence did not support the principal balance included in 
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the judgment, and second because the Bank waived its right to seek an award of any 

amount other than the principal balance. We agree with only the second contention. 

 As to the amount of principal, the transaction history admitted into 

evidence showed a principal balance of $535,347.38 as of the date of default. Once 

that transaction history was admitted into evidence, the trial court was entitled to rely on 

it in determining whether the Bank had sufficiently proved the amounts due to it. See, 

e.g., WAMCO XXVIII, Ltd. v. Integrated Elec. Env'ts, Inc., 903 So. 2d 230, 233 (Fla. 2d 

DCA 2005) (holding that properly admitted business records showing the amount of 

debt provided competent, substantial evidence of the amount of damages); Cayea v. 

CitiMortgage, Inc., 138 So. 3d 1214, 1218 (Fla. 4th DCA 2014) (affirming final judgment 

of foreclosure based on bank's payment records that were properly admitted). While 

the Andrasis questioned the Bank's witness at trial about how the principal balance was 

determined, they offered no evidence to show that the principal balance identified in the 

transaction history was incorrect. Hence, while the trial court certainly could have given 

no weight to the principal amount listed in the transaction history based on the Andrasis' 

questioning, its decision to rely on the properly admitted evidence was within its 

discretion, and we are not at liberty to reweigh that evidence on appeal. See, e.g., 

GNB, Inc. v. United Danco Batteries, Inc., 627 So. 2d 492, 493 (Fla. 2d DCA 1993) ("As 

an appellate court, it is not our function to reweigh the evidence but, rather, to view the 

record to determine if it contains competent and substantial evidence to support the 

conclusions of the trier of fact."). Because the transaction history provided evidence to 

support the principal balance of $535,347.38, this amount was properly included in the 

final judgment of foreclosure and must be affirmed. 
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 As to the remaining amounts included in the final judgment, however, they 

were not properly awarded because the Bank voluntarily waived its right to seek them. 

During trial, counsel for the Bank told the court and the Andrasis at least three times 

that the Bank was not seeking a judgment for any amount other than the unpaid 

principal balance. The Andrasis relied on the Bank's assertions by ceasing their 

questioning of the Bank's witness concerning the other amounts allegedly supported by 

the transaction history. Having specifically waived its right to seek a judgment for 

amounts other than the unpaid principal balance, the Bank was not then entitled to entry 

of a final judgment that included those additional amounts for interest, taxes, insurance, 

late fees, and the like. See Band v. Libby, 113 So. 3d 113, 115 (Fla. 2d DCA 2013) 

("Parties, by their own knowledge and conduct, can waive or be estopped to raise a 

wide array of constitutional, statutory, and common law rights . . . .") (quoting Ruggio v. 

Vining, 755 So. 2d 792, 795 (Fla. 2d DCA 2000)); see also Good Samaritan Hosp. Ass'n 

v. Saylor, 495 So. 2d 782, 782-83 (Fla. 4th DCA 1986) (holding that hospital would be 

bound by its stipulation to waive certain damages and objections that it otherwise could 

have raised). Under these circumstances, the trial court had no authority to override the 

Bank's concession. 

 Accordingly, while we affirm the entry of a judgment of foreclosure, we 

reverse the final judgment to the extent that it includes an award of amounts other than 

the documented unpaid principal balance. On remand, the trial court shall enter an 

amended final judgment of foreclosure in the amount of $535,347.38. 

 Affirmed in part, reversed in part, and remanded with instructions. 

SILBERMAN, J., Concurs. 

LUCAS, J., Concurs in result only.