The Third District Court of Appeal also ruled Miami-Dade Circuit Senior Judge Judith Kreeger was wrong to find the bank's witness testimony was hearsay.

“The trial court was not authorized to deny foreclosure merely because it believed the borrower signed a 'bad bargain,' ” wrote Third DCA Judge Richard Suarez, with Chief Judge Leslie Rothenberg and Judge Vance Salter concurring. “ We thus reverse the entry of involuntary dismissal and remand for entry of final judgment of foreclosure.”

Homeowner Alfredo Brito was making his monthly mortgage payments as usual when in June 2008 his payment was rejected by his loan servicer, according to the appellate court. From then on, no other payments were made.