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1 IN THE COURT OF APPEALS OF THE STATE OF NEW MEXICO

2 FEDERAL NATIONAL MORTGAGE

3 ASSOCIATION,

4 Plaintiff-Appellee,

5 v. NO. A-1-CA-37328

6 STEVEN J. CHAVEZ a/k/a STEVE

7 CHAVEZ a/k/a STEVEN CHAVEZ,

8 Defendant-Appellant, 

9 and

10 NEW MEXICO DEPARTMENT OF

11 WORKFORCE SOLUTIONS BENEFIT 

12 PAYMENT CONTROL SECTION; DEX ONE

13 CORPORATION; MESA RIDGE

14 APARTMENTS LLC d/b/a MESA RIDGE

15 APARTMENTS; and YELLOW BOOK

16 SALES & DISTRIBUTION COMPANY, INC., 

17 Defendants. 

18 APPEAL FROM THE DISTRICT COURT OF BERNALILLO COUNTY

19 Alan M. Malott, District Judge

20 Rose L. Brand & Associates, P.C.

21 Eraina M. Edwards

22 Albuquerque, NM 

23 for Appellee
2

1 Rachel O. Woods

2 Albuquerque, NM

3 for Appellant

4 MEMORANDUM OPINION

5 VANZI, Judge.

6 {1} Defendant Steven J. Chavez appeals from the district court’s foreclosure

7 judgment and order for foreclosure sale. [2 RP 269] In this Court’s notice of proposed

8 disposition, we proposed to summarily affirm. Appellant filed a memorandum in

9 opposition, which we have duly considered. Remaining unpersuaded, we affirm.

10 {2} We initially note that in our calendar notice, we suggested that Appellant’s

11 issues (a) through (d) were unpreserved. Appellant makes no argument in his

12 memorandum in opposition regarding issues a and b, so those are deemed abandoned.

13 See State v. Johnson, 1988-NMCA-029, ¶ 8, 107 N.M. 356, 758 P.2d 306 (explaining

14 that when a case is decided on the summary calendar, an issue is deemed abandoned

15 when a party fails to respond to the proposed disposition of that issue).

16 {3} With regard to issues (c) and (d), Appellant argues that they were preserved,

17 pointing to the record to indicate where such arguments were made. [MIO 1-2]

18 Appellant also continues to argue issue e, which was addressed in our calendar notice.

19 Thus, Appellant’s three issues are as follows: (c) the district court erred by finding

20 that NMSA 1978, Section 47-1-7 (1901) is not applicable to the note indorsement and
3

1 assignments of mortgage, as they did not involve a conveyance of real property; (d)

2 Plaintiff Fannie Mae improperly sought “enforcement of the [m]ortgage, as the

3 [m]ortgagee by way of a transfer of the [m]ortgage which ignores” NMSA 1978,

4 Section 47-1-4 (1865); and (e) Fannie Mae improperly sought “enforcement of the

5 [m]ortgage, as the [m]ortgagee by way of a transfer of the [m]ortgage which ignores”

6 Section 47-1-7. [DS 3; CN 3-5; see also MIO 2-5] These issues are related and

7 essentially argue that the note was not properly indorsed and that MERS did not have

8 the authority to assign the mortgage and/or record the assignment of mortgage and/or

9 that the assignment of mortgage was ineffective absent some additional authority

10 granted and recorded. [See DS 3, 6-9; MIO 2-5]

11 {4} Section 47-1-4 states that “[a]ny person or persons, or body politic, holding, or

12 who may hold, any right or title to real estate in this state, be it absolute or limited, in

13 possession, remainder or reversion, may convey the same in the manner and subject

14 to the restrictions prescribed in this chapter.” Section 47-1-7 states:

15 All powers of attorney or other writings containing authority to

16 convey real estate, as agent or attorney of the owner of the same, or to

17 execute, as agent for another, any conveyance of real estate, or by which

18 real estate may be affected in law, or equity, shall be acknowledged,

19 certified, filed and recorded, as other writings conveying or affecting real

20 estate are required to be acknowledged. No such power of attorney, or

21 other writing, filed and recorded in the manner prescribed in this section,

22 shall be considered revoked by any act of the party executing the same,

23 until the instrument of writing revoking the same, duly acknowledged

24 and certified to, shall be filed for record and recorded in the office of the
4

1 county clerk where said power of attorney or other writing is filed and

2 recorded.

3 In our calendar notice, we suggested that Section 47-1-7 was inapplicable because it

4 applies to conveyances of real property, not negotiable instruments. [CN 4] Appellant

5 argues that this is not always true, and we agree and clarify.

6 {5} As the statute states, see High Ridge Hinkle Joint Venture v. City of

7 Albuquerque, 1998-NMSC-050, ¶ 5, 126 N.M. 413, 970 P.2d 599 (stating that “the

8 plain language of a statute is the primary indicator of legislative intent” and that we

9 “give the words used in the statute their ordinary meaning unless the [L]egislature

10 indicates a different intent” (internal quotation marks and citations omitted)), Section

11 47-1-7 is intended to apply to powers of attorney or other writings that contain

12 authority (a) to convey real estate, as agent or attorney of the owner of the same, (b)

13 to execute, as agent for another, or (c) by which real estate may be affected in law or

14 equity. Section 47-1-4. In the present case, we do not have any powers of attorney or

15 conveyances of real estate, but we do have “other writings that contain authority . . .

16 by which real estate may be affected in law or equity[.]” Section 47-1-7. Thus,

17 Section 47-1-7 requires that such writing must be “acknowledged, certified, filed and

18 recorded, as other writings conveying or affecting real estate are required to be

19 acknowledged.”
5

1 {6} In the context of Appellant’s argument, this requires that the indorsements of

2 note and assignments of mortgage be acknowledged, certified, filed, and recorded. See

3 id. [See DS 3; MIO 2-5] However, a promissory note, and, indeed, the note at issue

4 in the present case [see 1 RP 9-13], does not convey or affect real estate in law or in

5 equity—rather, a note is a negotiable instrument by which one party agrees to owe

6 another party pursuant to the terms of the instrument. See NMSA 1978, § 55-3-104

7 (1992). As such, to the extent Appellant argues that the district court erred in finding

8 that Section 47-1-7 is inapplicable to the note indorsements [DS 3], we disagree and

9 affirm the district court.

10 {7} We thus turn to Appellant’s arguments that the district court erred in finding

11 that Section 47-1-7 was inapplicable to the assignments of mortgage and that Fannie

12 Mae improperly sought enforcement of the mortgage by way of a transfer of the

13 mortgage that ignores Section 47-1-7. [DS 3; MIO 2-5] As indicated above, Section

14 47-1-7 requires that the mortgage assignments must be “acknowledged, certified, filed

15 and recorded, as other writings conveying or affecting real estate are required to be

16 acknowledged.” See § 47-1-7. According to our review of the record, it appears that

17 the mortgage and each of its assignments was, indeed, acknowledged, certified, filed,

18 and recorded. [See 1 RP 14-30, 35, 36] In his memorandum in opposition, Appellant

19 has provided no reference to the record to indicate that this is not true. Rather, he

20 simply contends that Plaintiff “cannot show transfer of the [m]ortgage or [n]ote
6

1 compliant with [Section] 47-1-7 and so fails its jurisdictional prerequisite for a cause

2 of action.” [MIO 5] Accordingly, we affirm the district court’s determination that the

3 mortgage was properly assigned and/or that Section 47-1-7 did not render such

4 assignment ineffective. See Romero v. Bd. of Cty. Comm’rs, 2011-NMCA-066, ¶ 7,

5 150 N.M. 59, 257 P.3d 404 (“[W]e can affirm if the district court was correct for any

6 reason that was before it on the basis of the presentations of the parties.”).

7 {8} To the extent Appellant is attempting to argue that Plaintiff did not have

8 standing to pursue this action for some reason other than that it purportedly “ignore[d]

9 Section 47-1-7” [see DS 3; MIO 5], we decline to address the undeveloped argument.

10 See Corona v. Corona, 2014-NMCA-071, ¶ 28, 329 P.3d 701 (“This Court has no

11 duty to review an argument that is not adequately developed.”); see also Elane

12 Photography, LLC v. Willock, 2013-NMSC-040, ¶ 70, 309 P.3d 53 (“We will not

13 review unclear arguments, or guess at what a party’s arguments might be.” (alteration,

14 internal quotation marks, and citation omitted)).

15 {9} To the extent Appellant intends to argue that MERS did not have the authority

16 as nominee to assign the mortgage on behalf of the lender [see DS 7-8], this argument

17 has been addressed by this Court and our Supreme Court, and we decline to revisit it.

18 See Flagstar Bank, FSB v. Licha, 2015-NMCA-086, ¶ 17, 356 P.3d 1102, abrogated

19 on other grounds recognized by PNC Mortg. v. Romero, 2016-NMCA-064, ¶ 18, 377

20 P.3d 461; see also Bank of N.Y. v. Romero, 2014-NMSC-007, ¶ 35, 320 P.3d 1 (“As
7

1 a nominee for [the lender] on the mortgage contract, MERS could assign the mortgage

2 but lacked any authority to assign the [borrowers’] note.” (emphasis added)). And to

3 the extent Appellant intends to argue that MERS’s assignment of the mortgage

4 somehow implicates Section 47-1-7 and imposes a requirement that MERS and the

5 lender on whose behalf MERS acted must both sign, etc., an otherwise properly

6 recorded assignment of mortgage in order for it to be effective [see DS 7, 9], we note

7 that Appellant has failed to provide any authority in support of such a conclusion, and,

8 again, we decline to address the undeveloped argument. See Curry v. Great Nw. Ins.

9 Co., 2014-NMCA-031, ¶ 28, 320 P.3d 482 (“Where a party cites no authority to

10 support an argument, we may assume no such authority exists.”); Hennessy v. Duryea,

11 1998-NMCA-036, ¶ 24, 124 N.M. 754, 955 P.2d 683 (“Our courts have repeatedly

12 held that, in summary calendar cases, the burden is on the party opposing the proposed

13 disposition to clearly point out errors in fact or law.”); see also Elane Photography,

14 LLC, 2013-NMSC-040, ¶ 70; Corona, 2014-NMCA-071, ¶ 28.

15 {10} Accordingly, for the reasons stated in our notice of proposed disposition and

16 herein, we affirm.

17 {11} IT IS SO ORDERED.

18 __________________________________

19 LINDA M. VANZI, Judge
8

1 WE CONCUR:

2 _________________________________

3 JULIE J. VARGAS, Judge

4 _________________________________

5 KRISTINA BOGARDUS, Judge