The Third Appellate District affirmed a judgment. The court held that homeowners did not adequately allege that a lender did not fully and fairly explore alternatives to foreclosure pursuant to statute before it foreclosed on their residential loan.

Charles and Gina Stebley sued Litton Loan Servicing LLP, Mortgage Electronic Registration Systems, Inc., Bank of New York Mellon, and WMC Mortgage, LLC (collectively, Litton), in connection with a loan the Stebleys obtained on their residence. The Stebleys alleged that all those entities were jointly responsible for wrongful foreclosure.