| Jessabell Realty Corp. v Gonzales |
| 2014 NY Slip Op 03657 [117 AD3d 908] |
| May 21, 2014 |
| Appellate Division, Second Department |
[*1]
| Jessabell Realty Corp., Doing Business as IslandServices, Respondent, v Patricia Gonzales, Appellant, et al.,Defendants. |
The Young Law Group, PLLC, Bohemia, N.Y. (Ivan E. Young of counsel), forappellant.
Thomas G. Sherwood, LLC (Robert J. Taylor, Hicksville, N.Y. [Thomas G.Sherwood and Amy E. Abbandonelo], of counsel), for respondent.
In an action to foreclose a mortgage, the defendant Patricia Gonzales appeals from(1) an order of the Supreme Court, Suffolk County (Baisley, Jr., J), dated April 2, 2012,which granted the plaintiff's motion, inter alia, for summary judgment on the complaintand to strike the affirmative defenses and counterclaims, and (2) a judgment of the samecourt dated May 6, 2012, which, upon the order, is in favor of the plaintiff and againsther. The notice of appeal from the order is deemed also to be a notice of appeal from thejudgment (see CPLR 5501 [c]).
Ordered that the appeal from the order is dismissed; and it is further,
Ordered that the judgment is affirmed; and it is further,
Ordered that one bill of costs is awarded to the plaintiff.
The appeal from the intermediate order must be dismissed because the right of directappeal therefrom terminated with the entry of judgment in the action (see Matter ofAho, 39 NY2d 241, 248 [1976]). The issues raised on appeal from the order arebrought up for review and have been considered on the appeal from the judgment(see CPLR 5501 [a] [1]).
The plaintiff established its prima facie entitlement to judgment as a matter of law byproducing the mortgage, the unpaid note, and evidence of default (see Washington Mut. Bank vValencia, 92 AD3d 774 [2012]), and by demonstrating that the appellant'saffirmative defenses and counterclaims were without merit (see Mendel Group, Inc. vPrince, 114 AD3d 732 [2014]). Accordingly, the burden then shifted to theappellant to lay bare her proof in opposition to the plaintiff's prima facie showing (seeZuckerman v City of New York, 49 NY2d 557 [1980]). Even when viewed in thelight most favorable to the appellant, her submissions were insufficient to raise a triableissue of fact (see Mendel Group,Inc. v Prince, 114 AD3d 732 [2014]). Furthermore, contrary to the appellant'scontention, [*2]the Supreme Court properly determinedthat the subject loan constituted a "residential mortgage transaction" under the Truth inLending Act (15 USC § 1601 et seq.; see 15 USC former§ 1602 [w]; 12 CFR 226.2 [a] [24]; see also Official StaffInterpretations of Federal Reserve System Board of Governors 12 CFR part 226, Supp I,¶ 2 [a] [24] [5] [i]). Since the subject loan is a "residential mortgage transaction," itis an "[e]xempted transaction[ ]" under the "right of rescission" provisions of 15 USC§ 1635 (15 USC § 1635 [e] [1]; see 12 CFR 226.32 [a][2] [i]; 15 USC former § 1602 [aa]; Gorbaty v Wells Fargo Bank,N.A., 2012 WL 1372260, *12-14, 2012 US Dist LEXIS 55284, *42-47 [ED NY,Apr. 18, 2012, Nos. 10-CV-3291 (NGG/SMG), 10-CV-3354 (NGG/SMG)]; Ng vHSBC Mtge. Corp., 2010 WL 889256, *2, 2010 US Dist LEXIS 40109, *4-5 [EDNY, Mar. 10, 2010, No. 07-CV-5434 (RRM/VVP)]; see also Suffolk County TaxAct § 53).
Accordingly, the Supreme Court properly granted those branches of the plaintiff'smotion which were for summary judgment on the complaint and to strike the appellant'saffirmative defenses and counterclaims. Dillon, J.P., Balkin, Miller and Maltese, JJ.,concur.