Court Opinion

ID: 4566350
Source: CourtListenerOpinion
Date Created: 2020-09-17 16:00:20.897138+00
Date Added: 2024-06-11T09:22:35.290321
License: Public Domain

United States Court of Appeals
                            For the Eighth Circuit
                        ___________________________

                                No. 19-3309
                        ___________________________

                      Guillermo Luna; Lourdes Diana Luna

                      lllllllllllllllllllllPlaintiffs - Appellants

                                          v.

 U.S. Bank National Association as Trustee, for LSF9 Master Participation Trust

                       lllllllllllllllllllllDefendant - Appellee

Ocwen Loan Servicing, LLC; Millsap & Singer, P.C.; Substitute Trustee Corporation

                            lllllllllllllllllllllDefendants
                                    ____________

                     Appeal from United States District Court
                for the Western District of Missouri - Kansas City
                                 ____________

                         Submitted: September 14, 2020
                           Filed: September 17, 2020
                                 [Unpublished]
                                 ____________

Before GRUENDER, WOLLMAN, and GRASZ, Circuit Judges.
                       ____________

PER CURIAM.
       Guillermo and Lourdes Luna appeal the district court’s1 adverse entry of
summary judgment in their diversity action, which sought to set aside the foreclosure
sale of their property for failure to comply with the Due Process Clause of the
Fourteenth Amendment. Upon de novo review, see Smith v. Toyota Motor Corp.,
964 F.3d 725, 728 (8th Cir. 2020) (standard of review), we affirm. We agree that the
extrajudicial foreclosure sale did not involve state action and thus was not required
to satisfy the Due Process Clause. See Mildfelt v. Cir. Ct. of Jackson Cty., 827 F.2d
343, 346 (8th Cir. 1987) (per curiam) (under Missouri law, there is no significant
state involvement in conduct of trustee’s sale, which is undertaken pursuant to
contractual right, and thus no state action); Fed. Nat’l Mortg. Ass’n v. Howlett, 521
S.W.2d 428, 433, 439 (Mo. 1975) (en banc) (extrajudicial foreclosure process derives
from contractual right of power of sale provision in deed of trust, and does not
involve sufficient state action to implicate Due Process Clause). We also agree that
the foreclosure sale notice sent to the Lunas complied with Missouri law. See Mo.
Rev. Stat. § 443.325.3 (foreclosing trustee shall, not less than 20 days prior to sale
date, deposit notice in certified mail addressed to mortgagor at his last known
address; actual receipt by mortgagor shall not be necessary to establish compliance);
Woolsey v. Bank of Versailles, 951 S.W.2d 662, 667 (Mo. Ct. App. 1997) (§ 443.325
requires only that notice be mailed to last address of mortgagor known to mortgagee;
mortgagor’s failure to receive foreclosure notice will not condemn foreclosure sale).

      The judgment is affirmed. See 8th Cir. R. 47B.
                     ______________________________

      1
       The Honorable Gary A. Fenner, United States District Judge for the Western
District of Missouri.

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