Summary:

Heinz and Susan Georg refinanced their home, which was owned by them as tenants by the entireties, with First Horizon. Only Mr. Georg was, however, listed as a borrower on the mortgage note and, more consequentially, as a grantor on the Deed of Trust. Old Republic, believing that both Georgs signed the Deed of Trust, issued title insurance to First Horizon.

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The Debtor filed an application to employ special counsel on March 4, 2020, which served as the effective date of employment, but special counsel had already performed the bulk of its compensable services prior to that date.

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The online payment website for Freedom Mortgage will not accept payments made after 11:00 p.m., in order to allow its cash department to process payments received that day. If a borrower attempts to pay after 11:00 p.m., an error message pops up and the borrower is required to postdate the payment to the next day.